Get the most from a Westpac Debitplus Visa card.

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1 Get the most from a Westpac Debitplus Visa card.

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3 Debitplus, it s the easy way to buy things using your own money. Debitplus is the convenient way to buy products and services. You simply use it to access funds in your normal Westpac account, just like an EFTPOS/ATM card. About the card But Debitplus offers you some extra advantages. Unlike an EFTPOS/ATM card, you can use it to make purchases online, over the phone or overseas. That s because your Debitplus card is accepted everywhere you see the Visa sign. And although it carries a Visa logo, you can rest assured that Debitplus is not a credit card. You ll only be spending money from your everyday Westpac account. Six reasons to make Debitplus your main EFTPOS/ATM card: 1. Access your own money from your everyday Westpac account. 2. Make everyday purchases via EFTPOS. 3. Get cash from ATMs, just like an ATM card. 4. Use Debitplus everywhere Visa is accepted in New Zealand and around the world. 5. Shop online. 6. Shop over the phone. Westpac Debitplus Visa 3

4 Convenient ways to use Debitplus Everyday purchases via EFTPOS and cash from ATMs* A Debitplus card can be used wherever you would normally use an EFTPOS or ATM card in New Zealand. Whether you re withdrawing cash for the weekend or paying for lunch at a café, your Debitplus card is all you need. Just enter your PIN and use your Debitplus card like an ordinary EFTPOS/ ATM card, and it will access the money from your everyday account. Shop online or by phone You can use a Debitplus card to pay for purchases over the internet and phone - wherever Visa is accepted. It s not a credit card, but you have the convenience of the worldwide Visa network to make life easy. So next time you order a pizza over the phone or book flights online, just use your Debitplus card. Accepted all over the world Debitplus can be used at any ATM overseas wherever you see the Plus or Visa logo, just like an EFTPOS/ATM card. And you have the added bonus of using Debitplus at any retailer around the world that accepts Visa. So you can get cash from an ATM in France or pay for your hotel in Fiji. You ll still be accessing your own money from your everyday account back home, using the global Visa network. That includes more than 1 million ATMs and over 24 million retail outlets around the world**. Save $8 when you withdraw money overseas with Global Alliance The Debitplus card gives you access to the Global Alliance bank network. This network allows you to withdraw money around the world at participating Global Alliance ATMs, without paying the $8 international withdrawal fee. We ve listed the banks that belong to the network on a pop-out card at the back of this brochure, so you can take it with you on your travels. 4 * Any transactions made at another bank s ATM will incur an additional $1 charge each time. ** Foreign currency fees and overseas ATM charges apply.

5 Using Debitplus and processing times NEW ZEALAND EFTPOS Select your current linked account, CHQ or SAV Enter your PIN ATM Select your current linked account, CHQ or SAV Enter your PIN Processing time: these transactions will come out of your account on the same day or next business day. EFTPOS Wherever Visa is accepted OVERSEAS Select CREDIT Sign or enter your PIN How to use the card ATM Wherever Visa or PLUS logo are displayed Select CREDIT Enter your PIN Processing time: these transactions usually take 3-5 working days to come out of your account. ONLINE/PHONE/MAIL ORDER EFTPOS Select VISA as your card type Provide your card number and expiry date Provide the three digit CVV number on the back of your card if required Processing time: these transactions usually take 3-5 working days to come out of your account. Use the Debitplus card anywhere Visa is accepted This includes vending machines and zip-zap card machines in New Zealand and around the world. You can call us on between 7am and 11pm, 7 days a week for assistance with your Debitplus card. Westpac Debitplus Visa 5

6 Remember You can use the card throughout New Zealand and around the world to access your everyday account. Your transactions will show up on your monthly statements, just like an ordinary EFTPOS or ATM card transaction. If you have registered for Online Banking, you can also check your statements online. Remember, you re using your own money from your everyday account whenever you re purchasing, withdrawing, ordering online or over the phone. This may include any pre-arranged overdraft facility in the account. When you have two accounts linked to the card, transactions made overseas, online, over the phone and by mail order will come out of your main account. 6

7 Visa Entertainment The Debitplus card also opens the door to Visa Entertainment. This is a world of special offers and exclusive promotions, only available to Visa members. You ll be able to access offers from the biggest names in entertainment, including concerts, movies, shows and touring acts. You can also take advantage of exclusive deals on hotel packages and resorts. Visa Entertainment can keep you informed of all the latest offers via , and of course you have a great way to pay for it all, with a Debitplus card. From the hottest tickets in town to some of the best offers in home entertainment the Westpac Debitplus card is the simple way to pay for these exclusive Visa Entertainment offers with money from your everyday account. Visit for more details. Westpac Debitplus Visa 7

8 Security for you and your card Keep your PIN confidential and do not write it down anywhere. Tell us immediately if you think someone knows your PIN or your card is lost or stolen. If you re overseas, report the loss immediately to any bank showing the Visa symbol. Or call us collect in New Zealand on Worldwide emergency assistance As a Visa cardholder, when you re travelling you have the assurance of worldwide emergency advice and services. For details, talk to us or refer to the wallet card in the back of this guide. Incorrect or unauthorised transactions You will not be liable for unauthorised transactions made with a lost or stolen card once it has been reported, providing the Debitplus Conditions of Use have been followed. 8

9 Fees Fee Card Fee Transaction Fees Amount Annual card fee:...$10 The card fee is usually charged within 30 days of the card being issued, then annually thereafter. Your standard account transaction fees still apply. Refer to our Transactions and Fees brochure in branch or visit Other Bank ATM Balance enquiry:...$1 Cash withdrawal:...$1 Transfer:...$1 Using a Global Alliance ATM overseas Using other ATMs overseas Global Alliance Bank:...FREE (Free cash withdrawals, balance enquiry and declined transactions. Overseas currency conversion fee still applies.) We have included a current list of Global Alliance banks as a wallet card at the back of this brochure. Cash withdrawals:... NZ$8 Balance enquiry:... 60c Declined transaction:... 60c Security and fees Overseas Currency Conversion 2.50% foreign currency transaction fee is charged when using a Debitplus card for a foreign purchase (this includes purchasing goods over the internet from overseas websites). Replacement Card $15 charge applies for a replacement card if your card is lost or damaged. Charges are current as at 6 May All charges are subject to change. For more details on any of our transaction and service fees please see our Transaction and Service Fees brochure available from any Westpac branch or call us on You can also visit to find out more. Westpac Debitplus Visa 9

10 Debitplus Visa card Conditions of Use These are your Debitplus Visa card Conditions of Use. Please read these Conditions of Use and then keep this document in a safe place. Contents 11 Receiving and signing your card 11 Ownership of your card 11 Selecting your PIN 11 Protecting your card and PIN 12 Lost & stolen cards/pins 12 Liabilities 15 Card transaction requirements 17 Card acceptance & limitations 17 Damaged or faulty cards 18 Charges 18 Terms & Conditions set by third parties 18 Card cancellation or change 18 Transaction disputes 19 Variations of Conditions of Use 20 Definitions As soon as you sign or use your Westpac Debitplus card you are deemed to have agreed to the Conditions of Use in this document. Under our Conditions of Use you are required to: keep your Personal Identification Number (PIN) secure, agree that your card is the property of Westpac, sign your card as soon as you receive it. If you have any enquiries about your Westpac Debitplus card, you can call us between 7am and 11pm, 7 days a week on If you need to write to us, our address is: Westpac, Private Bag 92503, Wellesley Street, Auckland. Please let us know straight away if you change your address. 10

11 Receiving and signing your card When you receive your card you must immediately sign it. You must not use your card until you have signed it. You must not send your card overseas or have any other person send your card to you overseas. Please contact us to find out about sending a card overseas or receiving a card while you are overseas. Ownership of your card Your card and card number are the property of Westpac. You must not copy or reproduce the card. If Westpac tells you to return or destroy your card then you must do so. Selecting your PIN When you are issued with your card, you will be required to call at a Westpac branch with the card and two other forms of identification (one of which must have your signature on it) in order to select a Personal Identification Number (PIN). Your PIN enables you to use your card in electronic funds devices such as ATMs and EFTPOS terminals. When you select your PIN, you should choose a number that you will be able to remember easily as you must memorise it. You must not choose unsuitable numbers such as birth dates, months or years, parts of your telephone number, parts of your card number or sequential or easily identified numbers (e.g or 2222). You must also not use numbers from personal data such as your driver s licence or locker number or other numbers easily connected with you. Protecting your card or PIN For your security, your PIN must not be: written down, especially not on the card kept in any form with the card, or disclosed to any other person, including the Police, family members or bank staff, or negligently or recklessly disclosed. You must ensure no one can see you enter your PIN at ATMs and EFTPOS terminals. Conditions of Use Westpac Debitplus Visa 11

12 You must exercise every possible care to ensure the safety of your card and to prevent disclosure of your PIN. You must not allow others to use your card, card number or PIN. Always get your card back after using it. Do not leave your card in an unattended wallet, purse or vehicle or anywhere a thief could remove the card without being noticed (particularly in night clubs, hotels or restaurants). If your card is lost or stolen together with your PIN, it can be used for unauthorised transactions, which may result in a loss to you. Lost or stolen cards/pins You must notify Westpac immediately if: your card is lost or stolen your PIN becomes known to someone else a record of your PIN is lost or stolen. You will be required to provide information on how the loss occurred. If you are outside New Zealand, please: notify a bank which displays the Visa symbol, or if you cannot find a bank which displays the Visa symbol, notify us by calling collect. There may be a charge to your account if a replacement card is required. You should also be aware of the following conditions concerning your card: Liabilities Liability for losses which result from lost/ stolen cards/pins Once you have told us that your card has been lost or stolen, or your PIN disclosed, either in New Zealand or overseas, you will not be held responsible for any unauthorised use of your card after that time, unless you have acted fraudulently or negligently. You will be liable to pay no more than $50 of any loss that occurs before you notify us. 12

13 However, this $50 limit will not apply if: you have failed to reasonably safeguard your card, you have kept a written record of your PIN on or with your card, you have kept your PIN in a form that can be readily identified as a PIN, you have selected an unsuitable PIN, you have disclosed your PIN to anyone, whether family or those in apparent authority including bank staff, or let them use your card, you have unreasonably delayed notifying us that your card has been lost or stolen, or that your PIN has been disclosed, you have failed to take all reasonable steps to prevent disclosure to any other person when keying in your PIN, you have acted fraudulently or negligently, or you have breached these Conditions of Use. In the above instances, your maximum liability will be the lesser of: the actual loss at the time of notification, or the maximum amount that you would have been entitled to withdraw from your account between the time your card is lost/stolen and the time you notify us. If your card gives you access to an account with a credit facility (e.g. Choices home loan), failure to look after your card and PIN could result in a substantial loss for which you could be held responsible. There may also be a charge to your account if a replacement card is required. Westpac s liability Westpac will be responsible for any direct and/or reasonably foreseeable loss or damage caused by the failure of either your card or any electronic funds device (excluding any card or EFT terminal which is obviously faulty, or in the case of an EFT terminal which has been advised by message notice or display as being faulty) to function properly. We will also be liable for any direct or indirect loss or damage which results from the fraudulent or negligent acts or omissions of our employees or agents. Westpac Debitplus Visa 13

14 Liability for transactions charged to your account You are responsible for all transactions made with the use of your card or card number. You will be required to pay us the amounts on all: cash advance and sales vouchers signed or authorised by you or another cardholder on your account, mail, telephone, internet order or transactions and cycle payments authorised by you or another cardholder on your account, EFT transactions carried out on your account using your card(s) or the card of another cardholder on your account, other transactions authorised by you or another cardholder on your account and approved by us. There are risks involved if you or another cardholder on your account initiate a transaction by mail order, telephone order, internet or by . You are giving authority to the Visa merchant to process an EFT transaction or issue a sales voucher for the purchase amount which will be debited to your account. You should consider the security and standing of the company or entity you are doing business with. If you or another cardholder on your account initiate cycle payment transactions, i.e. if you agree with a Visa merchant that an amount will be debited against your account on a regular basis, then you are liable for meeting those transaction amounts even if you close your account. In certain circumstances your agreement with the merchant may authorise the debiting of your account with additional purchase amounts without the need for your signature. Provided these amounts have been incurred under the terms of that agreement they may be charged to your account. Incorrect or unauthorised transactions If you think a transaction shown on your statement is incorrect, you can dispute it, provided you notify us in writing within 30 days of the statement period closing date. 14

15 In some situations, if you do not receive the goods or services you have ordered with your card or by use of your card number, or you have not authorised a transaction, you may be able to get a credit for the transaction. Card transaction requirements Use of your card constitutes an irrevocable order to Westpac, and you may not stop payment of a transaction made using your card. There are limited circumstances under which we can reverse a transaction which will be subject to the rules of the relevant credit card company. For example, we cannot reverse a transaction where there is a dispute with a merchant about the quality of goods and services. We will not be responsible for the goods and services supplied by any merchant, and any complaints you have with the merchant must be resolved by you. Electronic funds transfers will be debited to your account on the day the transaction is made, or as soon as possible thereafter, subject to our right to vary the date of debiting due to circumstances beyond our control. When you use your card in an electronic funds device other than a Westpac ATM or branch terminal, the transaction will be processed as soon as we are notified by the bank that owns the electronic funds device you used. When systems are fully operational, the daily transaction limits for EFT transactions made with your card, subject to your available credit limit and available funds in your nominated account(s), are a maximum of: $10,000 for EFT transactions from all accounts that can be accessed by your card, or $1,500 for ATM cash withdrawals from any account, or combination of accounts, that can be accessed by your card, plus other EFT transactions from all accounts that can be accessed by your card, up to a maximum of $10,000, less the amount of any ATM cash withdrawals made in the same day. Westpac Debitplus Visa 15

16 You will be obliged to pay any amounts debited to your accounts which exceed the daily EFT transaction limits. In addition, there may be a daily limit on the number of EFT transactions you may make using your Debitplus card. In respect of off-line funds transfers, any voucher signed or authorised by you shall be authority for us to process the transaction to your account. The transaction will be processed as soon as we receive it. If you initiate a transaction with your card by mail order, telephone order or via the internet you are authorising the Visa merchant to process an EFT transaction or issue a sales voucher for the purchase amount, which will be debited to your account. If you initiate cycle payment transactions (i.e. if you agree with a Visa merchant that an amount will be debited against your account on a regular basis), then you are liable for meeting those transaction amounts even if you close your account. The acceptance of an electronic funds transfer or an off-line funds transfer is not a representation by us that you have sufficient funds in your account to cover the transfer of funds. Where a transfer overdraws your account, normal overdraft charges will apply. Details of these charges are available from any of our branches or by calling us on If an off-line funds transfer is processed to an account that has been closed or is open and there are insufficient funds to permit the transaction, we will not be deemed in any way to have consented to that transfer. You are liable for meeting the transaction amount. If you wish to dispute a transaction on your statement, you may do so. See the section on Transaction disputes later in this booklet. In addition to these Conditions of Use, the use of your card is also subject to the conditions which apply to your account. Contactless transactions If your card has contactless technology you may use your card to make Contactless transactions in New Zealand and overseas as a Contactless terminal. You will be able to find a Contactless terminal at any merchant that displays your card symbol and the relevant contactless symbol. 16

17 You may be required to enter your PIN or sign to use your card for Contactless transactions over certain limits. For New Zealand, the transaction limits can be found at Different limits apply overseas and we have no control over these limits. Card acceptance & limitations In New Zealand, your card will be accepted in any electronic funds device or by any merchant displaying the Visa symbol. Overseas, the card will be accepted by banks and merchants displaying the Visa symbol and at any electronic funds device displaying the Visa or Visa PLUS symbol. However, we will not be held liable if any bank or merchant either refuses to accept the card or will not allow the card to be used to purchase particular types of goods and services available at the premises. We will not be responsible for the goods and services supplied by any merchant. Any complaints you have with the merchant must be resolved by you. The use of your card for foreign currency transactions may be subject to exchange controls or other government requirements. Visa processes and converts into New Zealand Dollars, cash advances, purchases and/or charges made in foreign currencies at the rate(s) of exchange fixed by Visa. Transactions made in United States and Australian Dollars are converted directly into New Zealand Dollars. Visa converts transactions made in any other foreign currency into United States Dollars before converting them into New Zealand Dollars. A foreign currency fee will be charged by the bank on any such foreign currency transaction. Details of this fee are available in our Transaction and Service Fees brochure which forms part of these Conditions of Use. Damaged or faulty cards In the event that your card becomes damaged or faulty, we will issue you with a new card when you return the damaged/faulty card to us, together with a description of how the damage or fault occurred. There may be a charge to your account for this replacement card. Westpac Debitplus Visa 17

18 Charges Charges that may be incurred and charged to your account are subject to change, and details of these charges are available in our Transaction and Service Fees brochure, which forms part of these Conditions of Use. Charges include annual card charges replacement card charges urgent replacement card charges courier/freight charges for replacement cards voucher search charges transaction charges Government duties or taxes using another banks ATM charges foreign currency fees. For full details, see our Transaction and Service Fees brochure which forms part of these Conditions of Use, call us on or ask at your nearest branch. Terms & Conditions set by third parties In addition to these Conditions of Use, the use of your card in an EFT terminal is subject to the conditions imposed from time to time by other financial institutions that are parties to any EFT system. Card cancellation or change Westpac may cancel your card at any time without prior notice. We may also change your card to another scheme or branded card at any time and, where we consider it necessary or appropriate, cancel the card your new card replaces. If you are notified that your card has been cancelled, you are required to cut your card in half and return it to any branch. You may cancel your card by notifying us in writing, cutting the card in half and returning it to any branch. Transaction disputes You are responsible for checking your statements to ensure their accuracy and advising us of any mistakes, even if you are not at the address to which you have requested us to send statements. If you do not notify us of a disputed transaction within the time period stated below then the charge or record of the transaction will remain on your account. 18

19 If you dispute any transaction recorded in your monthly statement, you must notify us in writing within 30 days of the statement period closing date, giving the following information: your name and card number, the amount and nature of the disputed transaction, attaching (if available) a copy of the transaction record or sales voucher in support of your case, details of the EFT terminal (if any) at which the disputed transaction occurred, details of the website (if any) through which the disputed transaction was initiated, the date and approximate time (if known) on which the disputed transaction occurred, details of any formal complaint lodged with the Police. Once you have notified us of the disputed transaction we will investigate the matter and acknowledge your complaint within five days. Failure to report the incorrect, invalid or unauthorised transaction within 30 days will mean we cannot reverse the transaction and you will have to pay for it. Where it is established that an error did occur (whether it was the disputed transaction complained of, or not) it will be corrected, and you will be advised of any appropriate adjustments which will be made to your account in respect of credit charges and other charges. If, as a result of our investigation, we believe the charge or transaction should remain, we will write to you setting out our reasons and service charge. If you have followed Westpac s internal complaints procedure and you are still not satisfied with the outcome of the investigation, you may refer the matter to the Banking Ombudsman. In respect of disputes between merchants and cardholders, refer to the Card transaction requirements section. Variation of Conditions of Use We reserve the right to vary these Conditions of Use at any time. Notice of any such changes to these Conditions of Use will be given at least 14 days in advance in accordance with the Code of Banking Practice. The Code of Banking Practice is available at any Westpac branch or online at Westpac Debitplus Visa 19

20 Definitions account means your nominated Westpac account from which funds may be withdrawn by using your card. branch means any Westpac branch. branch terminal means each of the computer terminals installed at the service counters at our branches. card means your Westpac Debitplus card or Debit MasterCard. contactless terminal means an EFT terminal which can be used to make contactless transactions. contactless transaction means a transaction made by holding your card close to the card reader on a contactless terminal without having to insert or swipe the card. electronic funds device in New Zealand, means any Westpac ATMs, any branch terminals, point of sale terminals or any other automatic teller machines (ATM) approved by us as a device in which the card may be used in accordance with these Conditions of Use within New Zealand. Overseas, electronic funds device means any electronic funds device displaying the Visa or Visa Plus symbols. electronic funds transfer (EFT) means the process by which funds are withdrawn electronically from your account. You authorise an electronic fund transfer by using your card with your associated PIN at an electronic funds device. off-line funds transfer means the process by which funds are withdrawn from your account when an electronic funds device is out of operation or a merchant does not have EFT facilities. You authorise an off-line funds transfer by signing or authorising the issue of an off-line payment voucher. 20

21 we, us, our or Westpac means Westpac New Zealand Limited. you or your means the account holder or cardholder, depending on the context. Name of Creditor Westpac on Takutai Square 53 Galway Street Private Bag Wellesley Street Auckland Definitions Westpac Debitplus Visa 21

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23 Using the Debitplus card New Zealand NZ EFTPOS: Select CHQ or SAV and enter your PIN NZ ATM: Select CHQ or SAV and enter your PIN Overseas Overseas EFTPOS: Select CREDIT and sign or enter your PIN Overseas ATM: Select CREDIT and enter your PIN Online/Phone/Mail Order Select VISA as your card type. Provide your card number and expiry date. Provide the three digit CVV number on the back of your card if required. More than 2,300 ATMs throughout Germany, Poland, Spain & Italy. More than 8,000 ATMs throughout South Africa. More than 3,000 ATMs throughout France. More than 1,600 ATMs throughout Australia. ATMs in Fiji, Vanuatu, Cook Islands, Samoa, Tonga, Papua New Guinea & Solomon Islands. More than 2,500 ATMs throughout Canada, almost 1,000 in Mexico and over 300 in the Caribbean, Peru and Chile. More than 16,000 ATMs throughout the USA. More than 3,000 ATMs throughout the UK and 200 throughout Africa (Barclays South Africa not included). *The $8 international transaction fee saving applies to Westpac cards only and is subject to change. All other international & standard fees apply including foreign currency conversion fees refer to the Transaction & Service Fees brochure available from any Westpac branch, or visit our website for more information. Alliance banks and their details are subject to change. Debitplus Conditions of Use apply.

24 You can get a copy of the current disclosure statement for Westpac New Zealand Limited from any Westpac branch in New Zealand free of charge. For more Information about everyday accounts see Westpac s Everyday Account brochure. Westpac New Zealand Limited WP Keep these cards handy. 1. Emergency Assist for New Zealand and overseas keep this in your wallet. 2. Global Alliance for overseas keep this with your passport. Westpac Debitplus Lost or stolen card In New Zealand call immediately, when overseas call collect, 24-hours a day, seven days a week, or fax Alternatively, report the loss to any bank displaying the Visa symbol. Worldwide Emergency Travel Assistance For assistance with medical, legal, travel or NZ diplomatic services call Visa Emergency Assist collect or visit any bank displaying the Visa symbol. For more information you ll find local Visa numbers listed in phone directories worldwide. Global Alliance Banks Save $8 each time you withdraw cash overseas Simply use your Westpac credit or debit card at any of the ATMs belonging to one of these ATM Global Alliance banks in their respective countries shown. That way, you can avoid the $8 international transaction fee.* Note, some banks have ATMs in countries other than those mentioned here, which are not part of the Global Alliance.

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