get the most from a westpac debitplus visa card....2015/01/06 · provide the three digit cvv...

Get the most from a Westpac Debitplus™ Visa card.

Westpac Debitplus Visa 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.

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.

Ab

out the card

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Convenient ways to use DebitplusEveryday 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.

* Any transactions made at another bank’s ATM will incur an additional $1 charge each time.

** Foreign currency fees and overseas ATM charges apply.


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.

OVERSEAS

EFTPOSWherever Visa is accepted

➔Select

CREDIT ➔Sign or enter

your PIN

ATMWherever 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 0800 888 111 between 7am and 11pm, 7 days a week for assistance with your Debitplus card.

Ho

w to

use the card

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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.


Visa EntertainmentThe 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 email, 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 www.visaentertainment.co.nz for more details.

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Security for you and your cardKeep 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 +64 9 914 8026.

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.


Fees

Fee Amount

Card Fee Annual card fee: ...................................$10The card fee is usually charged within 30 days of the card being issued, then annually thereafter.

Transaction Fees

Your standard account transaction fees still apply. Refer to our Transactions and Fees brochure in branch or visit www.westpac.co.nz

Other Bank ATM

Balance enquiry: ...................................$1Cash withdrawal: ..................................$1 Transfer: ......................................................$1

Using a Global Alliance ATM 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.

Using other ATMs overseas

Cash withdrawals: ....................... NZ$8 Balance enquiry: ............................... 60c Declined transaction: ..................... 60c

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 2013. 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 0800 400 600. You can also visit www.westpac.co.nz to find out more.

Security and

fees

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Debitplus Visa cardConditions 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 card11 Ownership of your card11 Selecting your PIN11 Protecting your card and PIN12 Lost & stolen cards/PINs12 Liabilities15 Card transaction requirements17 Card acceptance & limitations17 Damaged or faulty cards18 Charges18 Terms & Conditions set by third parties18 Card cancellation or change18 Transaction disputes19 Variations of Conditions of Use20 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 0800 888 111. 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.


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. 2345 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.

Co

nditio

ns of U

se

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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 +64 9 914 8026 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/PINsOnce 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 deemed to have acted fraudulently or negligently 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, 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 liabilityWestpac 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.

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Liability for transactions charged to your accountYou 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 email 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 email. 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 transactionsIf 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.


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.

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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 0800 888 111.

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.


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 www.westpac.co.nz. 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.

When you buy goods and services or make withdrawals overseas using your card, the foreign currency is converted to New Zealand dollars. Westpac or Visa set the exchange rate used for that conversion. Westpac only sets the exchange rate when you use your card to withdraw Australian dollars from Westpac group ATMs in Australia. Visa sets all other exchange rates.

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.

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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 0800 888 111 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 withoutprior notice. We may also change your card to anotherscheme or branded card at any time and, where weconsider it necessary or appropriate, cancel the cardyour new card replaces. If you are notified that your cardhas been cancelled, you are required to cut your cardin half and return it to any branch. You may cancel yourcard by notifying us in writing, cutting the card in halfand 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.


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 www.westpac.co.nz.

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Definitionsaccountmeans your nominated Westpac account from which funds may be withdrawn by using your card.

branchmeans any Westpac branch.

branch terminalmeans each of the computer terminals installed at the service counters at our branches.

cardmeans your Westpac Debitplus card or Debit MasterCard.

contactless terminalmeans an EFT terminal which can be used to make contactless transactions.

contactless transactionmeans 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 devicein 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 transfermeans 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.


we, us, our or Westpacmeans Westpac New Zealand Limited.

you or yourmeans the account holder or cardholder, depending on the context.

Name of CreditorWestpac on Takutai Square53 Galway StreetPrivate Bag 92503 Wellesley StreetAuckland

Defi

nitions

Using the Debitplus cardNew Zealand

NZ EFTPOS: Select CHQ or SAV and enter your PINNZ ATM: Select CHQ or SAV and enter your PIN

Overseas

Overseas EFTPOS: Select CREDIT and sign or enter your PINOverseas 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.

*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 www.westpac.co.nz for more information. Alliance banks and their details are subject to change. Debitplus Conditions of Use apply.

More than 2,300 ATMs throughout Ger-many, Poland, Spain & Italy.

More than 1,600 ATMs throughout Australia. ATMs in Fiji, Vanuatu, Cook Islands, Samoa, Tonga, Papua New Guinea & Solomon Islands.

More than 16,000 ATMs throughout the USA.

More than 8,000 ATMs throughout South Africa.

More than 3,000 ATMs throughout France.

More than 2,500 ATMs throughout Canada, almost 1,000 in Mexico and over 300 in the Caribbean, Peru and Chile.

More than 3,000 ATMs throughout the UK and 200 throughout Africa (Barclays South Africa not included).

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Lost or stolen card

In New Zealand call 0800 888 111 immediately, when overseas call +64 9 914 8026 collect, 24-hours a day, seven days a week, or fax +64 9 622 8063. 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 +1 410 581 9994 collect or visit any bank displaying the Visa symbol. For more information you’ll find local Visa numbers listed in phone directories worldwide.

Westpac Debitplus™

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.

Global Alliance BanksSave $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.

72801WP-7 02-15

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.

get the most from a westpac debitplus visa card....2015/01/06 · provide the three digit cvv...

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