To improve your security and accessibility options when transacting, effective November
2009 all new and renewing Suncorp Bank Visa Debit cards issued are now embedded
with chip technology (see example below). We have included some Frequently
Asked Questions to assist you with this transition. If you have any further
questions please feel free to call us on 13 11 55 or visit your local branch. We’ll
be happy to help. Find out more about Visa Debit.
Frequently Asked Questions
When should I use my Visa Debit chip card?
A Visa Debit chip card can be used in all the same places that were available prior
to chip functionality being added – that is: online, over the phone, through ATMs
and overseas wherever you see the Visa symbol.
The number of merchants able to facilitate transactions using the embedded chip
information is increasing rapidly, particularly overseas, so the only change you
may notice is how to make a payment with a chip card.
How do I use my Visa Debit chip card in an ATM?
You can continue to use your chip card at Suncorp Bank ATMs as normal – you will
not notice any change.
How do I use my Visa Debit chip card at merchant facilities?
You may begin to see a small difference in how transactions are processed when using
a card with chip functionality.
Merchants who can enable chip transactions through in-store payment terminals may
ask you to insert, or ‘dip’, your chip card in the base of the terminal, instead
of swiping the magnetic strip on the back of the card through the terminal. When
you transact by inserting your chip card, the card will remain there for the entire
transaction. Please see below for examples:
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How cards with magnetic strips are used
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How you may be asked to use your chip card
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Why are Visa Debit chip cards more secure?
Chip cards are more secure as chip technology makes it more difficult to fraudulently
copy card details.
Chip cards can store encrypted information that can protect against ‘skimming’ or
copying by generating unique identification information for each transaction made.
The chip card does not hold any additional personal information to what is already
held on the magnetic strip.
Can I use my Visa Debit chip card overseas?
‘Chip’ technology is fast becoming the global standard for card security. In some
countries ‘chip’ cards are only accepted with the addition of a PIN instead of a
signature. For this reason it is recommended that all Suncorp Bank customers with
a ‘chip’ Visa Debit card travelling overseas have a PIN for their card.
Banking Products are issued by Suncorp-Metway Ltd ABN 66 010 831 722 (“Suncorp
Bank”). Please read the Product Information Document before making any decisions
regarding this product. Visit your nearest Suncorp Bank branch or call 13 11 55
for more information.
