Visa Debit Card FAQs
Yes. If the merchant allows a cash out option, and you have transaction accounts linked in your card, you can get cash out by pressing either the ‘cheque’ or ‘savings’ button.
However, you’re not able to get cash out with your Visa Debit card by pressing ‘credit’ through a merchant terminal.
Yes, you can. If your card has a chip, you can get cash out by pressing ‘credit’, ‘savings’ or ‘cheque’ at ATMs throughout Australia.
Yes, you can. The card’s chip and magnetic stripe allow you to swipe or insert your card, wherever Visa or EFTPOS is accepted (using a PIN).
No. Your card needs to be within 4cm of the Visa payWave reader, and held for half a second for a transaction to be processed. Also, the merchant must enter the amount for you to approve – so there won’t be any surprise purchases.
You’ll need to use your PIN for:
- point-of-sale terminals when you purchase goods and services
- cash out transactions if your card supports them
- ATM usage.
Not all transactions will need a PIN and in each case, the terminal will prompt for a PIN if it’s required.
Yes. You can check your card expiry date on the front of your card.
This depends on how you choose to use your Visa Debit card.
Fees and charges may apply for:
- ATM operator fees. Avoid these by using Suncorp Bank and rediATM networks or by selecting ‘cash out’ on an EFTPOS terminal when making a purchase
- Foreign Currency Conversion Fees
- Cash advances.
For more information, go to the fees and charges section of the Personal Deposit Accounts PID.
You must notify us immediately if your Visa debit or credit card is lost or stolen, please contact us on 1800 775 020. If you’re outside of Australia, you can call +61 7 3362 1712 or Visa International +1 303 967 1090 or visit Visa Global Customer Assistance Services website for a list of country-specific numbers.
If you have the Suncorp Bank mobile app or Suncorp app, you can immediately place a temporary lock on your Visa Debit card. Find out how to place a temporary lock on your Visa Debit card here.
Once you’ve found your Visa Debit card, remember to check for any unauthorised transactions. If there are no unauthorised transactions, you can then unlock your card.
If you suspect an unauthorised Transaction has been made on your Visa Debit card, you must contact us immediately on: 1800 775 020 or +61 7 3362 1712 if you are overseas. If you fail to notify us promptly when you become aware that your card is stolen, lost or misused or you suspect it is stolen, lost or misused then subject to the terms and conditions, you will be liable for any unauthorised Transactions processed to your account.
Heading overseas? Make sure that you let us know your travel plans. Please contact us or visit your local Suncorp Bank store. We’ll also give you contact numbers of Visa International for the countries you are travelling to.
Your Visa Debit card has a small antenna embedded in it, so when you wave it in front of the Visa payWave reader, it securely transmits payment instructions to the EFTPOS terminal to make your purchase.
No. You’ll need to be 16 years or older to get a Visa Debit card with your everyday account.
No. Visa payWave terminals only make one transaction per card at a time. All terminals are tested and certified to ensure the card is only read once.
It’s just as secure as any other Visa chip card and carries multiple layers of security protection. Also, you won’t let go of your card during the entire transaction, which reduces the risk of fraud.
You can reset your PIN via Internet Banking and Mobile Banking even if you have forgotten your card PIN.
Your card PIN (Personal identification number) is a fraud and security measure for over-the-counter purchases, ATM and Suncorp Bank branch usage.
You can reset your PIN via Suncorp Bank ATMs. You can also reset your PIN via Internet Banking and Mobile Banking.
The Visa small ticket transactions service, available at selected merchants, is a system that allows merchants to quickly process transactions without the need for a PIN when making a transaction of $35 or less. You won’t need cardholders to enter a new PIN.
Visa payWave is a contactless payment method which offers a quick and easy way to pay for items under $100.
You can also pay for purchases over $100 with payWave, but you’ll need to enter a PIN to authorise the transaction.
Visa payWave lets you make low value purchases quickly. If you’d like to get a receipt for the transaction, just ask the merchant before you pay.
You won’t be able to make transactions, including recurring payments that are set up on your Visa Debit. However, any direct debits set up from your account number will be processed.
If you’ve temporarily misplaced your Visa Debit card, you can immediately place a temporary lock on the card in Suncorp Bank App or Suncorp App:
Suncorp Bank App (Mobile Banking)
Go to Manage Cards > Select the Visa Debit card > Temporarily lock your card.
Go to the Money tab > tap Manage > Manage Cards > Select the Visa Debit card > Temporarily Lock My Card.
Unlocking your Visa Debit Card
Simply unlock it anytime following the same steps. Ensure that you don’t unlock the card if you suspect an unauthorised transaction has been made.
You’ll only be able to lock your Visa Debit card, not your credit card. You’ll only be able to manage a Visa Debit card in your own name. If your card is linked to a joint account, you won’t be able to see or manage the other party’s card.
This is because certain businesses are eligible to register with Visa’s small ticket transaction service, which allows for transactions under $35.
No. You’ll be automatically covered by active Suncorp Visa Debit cards, including Business Visa Debit cards.
No. There aren’t any fees for using Verified by Visa.
No, you shouldn’t. Visa will assess a range of factors to determine whether a transaction requires further authentication.
This is proof that Verified by Visa is working to make your online experience as safe and secure as possible.
No problem. If you’re unable to enter the one-time Passcode which is supplied via SMS into the webpage, you’ll be prompted to enter additional information to help us confirm your identity.
You can still make online purchases at merchants that don’t offer Verified by Visa. Your purchase will be processed as a regular online transaction, but without the added security of Verified by Visa.
Verified by Visa provides additional security assurances when using your Visa Debit card to make online purchases.
You can shop online with Verified by Visa protection at any online merchant that supports Verified by Visa. You can identify these sites by looking for the logo at the top of the page.
It’s a more secure method for checking that it’s you making the purchase.
No. You can’t get cash out using Visa payWave. But if you have transaction accounts linked to your card and the merchant allows the ‘cash out’ option, you can get cash by either pressing the ‘cheque’ or ‘savings’ button after swiping your card or inserting it into the terminal.
The Visa payWave platform is based on secure EMV chip technology which offers data protection and transaction security.
Hold your card within 4 cm of the secure contactless reader for about half a second. You can then remove your card and the transaction will be complete.
You can use your Suncorp Bank Visa payWave debit card for transactions of any amount while you’re in Australia. For purchases under $100, you can wave and go, otherwise you’ll need to enter your PIN.
While the solutions are different, the small ticket transaction service in Australia has been specifically designed to complement Visa payWave. It offers you a range of payment choices and benefits.