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).
You can use your card anywhere in the world you see the Visa symbol, including ATMs and EFTPOS terminals. However, you’ll probably be charged a foreign currency fee. For more information on foreign fees and charges, read the Personal Deposits Accounts PID.
In order to make a purchase, your card has to be within 4cm of the payWave reader and held there for half a second. On top of this, the merchant has to enter an amount into the EFTPOS machine. This means your card won’t be able to pick up purchases if you’re walking near a reader.
You won’t need to enter your PIN for any purchase under $100 (or, $200 until September 30 2020) with payWave Australia-wide. However, for purchases over $100, you’ll need to enter your PIN. If you use an ATM or swipe or insert your card at an EFTPOS terminal, you’ll still need to enter your PIN.
Yes. You can check your card expiry date on the front of your card.
Whether or not you’re charged a fee when you use your Visa Debit card depends on the type of transaction. Transactions for which you may be charged a fee include:
- Using an ATM that’s not a Suncorp Bank, Commonwealth, ANZ, NAB, Westpac or rediATM,
- Using your card overseas. You can use your card anywhere in the world where you see a Visa logo, however you’ll most likely be charged a foreign currency fee.
- Cash advances. You may be charged if you select ‘Credit’ when you withdraw cash from an ATM.
For more information on fees and charges, read our 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.
It can take up to 7 business days to receive your new card. You may be able to arrange to pick up your Visa Debit card from your local Suncorp store.
Before you order one or if your card is due to expire, please make sure your contact details are up to date with us. You can easily update your details through Internet Banking.
If you haven’t received your card within this timeframe, please get in touch.
Everyday Options Account holders over the age of 16 can get a Visa Debit card. Kids between the ages of 11-15 can get a Suncorp EFTPOS card, which can be used to at ATMs, to make contactless purchases with the card, and with Apple Pay using your Apple iPhone or Apple Watch.
For more information, head to our Everyday Options Account page.
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.
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 ‘tap and go’ payment method for purchases under $100 (or, $200 until September 30 2020), where you don’t have to insert or swipe your card or enter a PIN.
For purchases over $100, you can still tap, but you’ll need to enter your PIN. Each Visa payWave card has a chip on the front, which securely transmits payments to the EFTPOS terminal when you make a purchase.
While you can’t get cash out using payWave, your card can be used at an ATM or swiped at an EFTPOS machine like normal.
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 misplaced your Visa Debit card, you can put a temporary lock on it. This means that no transactions can be made from the card, including recurring payments that you’ve set up. Direct debits set up from your account number, however, will still be processed. You can also still use the account linked to your card via Internet Banking.
You can lock your card via the Suncorp App using the following steps:
- Open up the app, go to the ‘Money’ tab and tap ‘Manage’.
- Tap ‘Manage cards’ and select the Visa debit card you’d like to lock.
- Select ‘Temporarily lock my card’.
- To unlock your card, simply follow the same steps. You can only lock a card in your own name. For example, if your card is linked to a joint account, you won’t be able to manage the other party’s card.
You can also call us on 13 11 55.
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 Visa Secure.
No, you shouldn’t. Visa will assess a range of factors to determine whether a transaction requires further authentication.
This is proof that Visa Secure 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 Visa Secure. Your purchase will be processed as a regular online transaction, but without the added security of Visa Secure.
Visa Secure provides additional security assurances when using your Visa Debit card to make online purchases.
You can shop online with Visa Secure protection at any online merchant that supports Visa Secure. 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.