Contactless payments

If you’ve got an ANZ EFTPOS card and you’d like to upgrade to an ANZ Visa Debit— card, you can easily do that online.

You can pay for everyday items using a compatible phone or device and Apple Pay— or Google Pay™—, just like you would with a contactless card.

Setting up Apple Pay or Google Pay can be done at any time without your physical card, and start using contactless straight away.

Our guides can help you get started.

Contactless cards use a chip that emits radio waves to securely process payments when tapped on a contactless terminal.

• The contactless purchase limit in New Zealand is NZD200.
• For purchases over NZD200, you may need to enter your card PIN.
• Purchase limits vary by country when using contactless overseas and may require you to enter a PIN, sign the receipt for transactions under NZD200, or allow you to use contactless functionality for transactions over NZD200.

Account transaction fees may apply depending on your account type, and some merchants have surcharges for using contactless. See Fees and Charges for more information about account transaction fees.

• Contactless can be used anywhere the Visa Paywave or Mastercard PayPass logo, and the contactless symbol are displayed on a terminal.
• If merchants don't have contactless terminals or you'd prefer not to use contactless, you can choose to insert or swipe your ANZ Visa Debit or credit card instead.
• The transaction is automatically charged to your linked credit or debit card account (‘credit’ for ‘credit cards’ and your nominated ‘everyday’ account for Visa Debit) and displayed on your statement.

1. Check the amount on the terminal is correct
2. Hold your card or device near the contactless terminal for a few seconds until you hear a beep
3. Authorise the payment using biometrics or your passcode if you’re using a device
4. You can request a receipt from the merchant if needed.

Your information is kept safe using advanced security features, and you’re protected against fraudulent transactions by Visa's Zero Liability Protection—.

• Your information is encrypted before it’s sent from your card or device to the contactless terminal, so it can’t be accessed by an unauthorised card reader.
• Your card or phone never leaves your hand, so you’re always in control.
• You can’t accidentally make a payment just by walking past a contactless terminal or have payment taken twice – the retailer must enter the amount first, your card or device has to be held close to the terminal for a second or two, and each transaction has to be complete before another can be made.
• Our fraud monitoring systems monitor your accounts. If we identify unusual activity, we’ll block your card and contact you to make sure it’s really you making the transaction.
• You’re also covered by Visa’s Zero Liability protection if fraudulent transactions occur, provided you haven’t contributed to the loss in any way and you notify us that your card has been lost or stolen within a reasonable time.