Visa Debit Cards
Pay from your transaction account, anywhere that accepts Visa.
Linked with our Everyday Basics, Everyday Options, Cash Management, and 55 Plus transaction accounts. Visa Debit cards come with Visa payWave technology, which allows for contactless, 'wave and go' payments at participating stores.
What You'll Need to Set Up a Visa Debit Card
It’s easy for us to organise a Visa Debit card for your account.
Simply let us know when you’re opening your new everyday account either online, or in a branch - or call us, on 13 11 75.
Accessing your money with a Visa Debit Card
- Over the phone
For purchases under $100, simply wave your card in front of the Visa payWave reader at participating merchants. You can also pay for purchases $100 and over with payWave, you just need to enter a PIN to authorise the transaction. Available anywhere Visa is accepted, and your purchase is fee-free2.
Eligible account holders of any of the below accounts, who are 16 years of age and over:
Verified by Visa Features
Peace of mind when you make purchases online using your Suncorp Bank Visa Debit card.
A sophisticated risk engine monitors all online transactions, assessing a wide range of factors to determine whether further authentication is required to ensure your card is not being used fraudulently.
Further authentication, when required, will be sent to your mobile phone in the form of a one-time passcode. This will need to be entered into the merchant's payment screen to allow the purchase to be completed. If you do not have a mobile phone number registered with Suncorp Bank, you will be asked to verify information held by Suncorp Bank to complete the transaction.
Visa also offers their card holders the opportunity to join Visa Entertainment where you’ll benefit from exclusive entertainment offers on concerts, theatre, movies, sporting and lifestyle events. Visit Visa Entertainment to sign up now.
Visa payWave FAQs
What is 'Visa payWave'?
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 $100 and over with payWave, you just need to enter a PIN to authorise the transaction.
How does the Visa payWave technology actually work?
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 terminal to make your purchase.
What are the benefits?
Your Visa Debit Card with payWave offers a quicker and a more convenient way to pay:
The card doesn't leave your hand at checkout when making a contactless purchase.
You don't need to enter a PIN for purchases under $100.
It saves time on both sides of the counter when making a purchase.
Where can I use Visa payWave?
Coles, Woolworths, McDonald’s, Bunnings, Warehouse and 7 Eleven are just a few of the merchants that accept Visa payWave. To find an up to date list of merchants accepting Visa payWave, please go to: http://www.visapaywave.com.au/
Do I need to select the 'credit', 'savings', or 'cheque' buttons?
No. You don’t need to press any buttons when using Visa payWave. Your transaction is automatically processed, with the purchase amount taken from your nominated account. No button-pressing equals less hassle.
Is there a limit on the value of goods I can purchase?
You can use your Visa Debit Card with payWave for any amount in Australia. Purchases under $100 can be paid for by ‘wave and go’, and you can 'wave and PIN' all other transactions by entering your PIN on the merchant’s terminal.
Is there any chance of being double-charged?
Visa payWave terminals are designed to make only one transaction per card at a time. All Visa payWave terminals are tested and certified to confirm that a card is only read once before the transaction is concluded. As a safeguard, each transaction must be complete or void before another one can take place.
How do I know when a payment has been made?
Your transaction is confirmed by illumination of four green indicator lights and a display message confirming that your transaction has been successful.
Could I have unknowingly made a purchase if I walk past a Visa payWave reader?
No. Your card needs to be within 4cm of the Visa payWave reader and held for more than half a second for a transaction to be processed. Also, the merchant must first enter the amount for you to approve, so there’ll be no ‘surprise’ purchases.
Will I receive a receipt for the purchases I make?
Visa payWave is designed to let you make low value purchases quickly and conveniently. If you’d like a receipt to confirm the transaction, just ask the merchant before you pay.
Is Visa payWave secure?
Suncorp Bank Visa Debit Cards with payWave are just as secure as any other Visa chip card and carry the same multiple layers of security protection, including Zero Liability^, which ensures you are not responsible for fraudulent or unauthorised transactions. In addition, with Visa payWave, you retain control of your card during the entire transaction, which reduces the risk of fraud.
^Cardholder’s liability is limited to zero for unauthorised transactions, provided the cardholder notifies Suncorp Bank of unauthorized Visa transactions, and there is no evidence of cardholder negligence, fraud or collusion.
Will you check to see if I have available funds in my account?
Yes, all transactions are online and fully authorised. We will check you have available funds to conduct the transaction the same as a normal transaction.
Can I use my card at places that don't have payWave terminals?
The card’s chip and magnetic stripe also allows the card to be used in the same way a traditional Suncorp Bank Visa Debit Card is used wherever Visa or EFTPOS is accepted (using a PIN).
Can I get cash out using Visa payWave?
You’re not able to get cash out by just waving your card. If you have transaction accounts linked to your card and the merchant allows the ‘cash out’ option, you can get cash out by pressing either the ‘credit’, ‘cheque’ or ‘savings’ button, swiping or inserting your card into the terminal and entering your PIN.
What is a chargeback?
A chargeback is the process of a bank disputing a transaction on your behalf with the merchant’s financial institution. As a Visa Debit cardholder, you have rights under the chargeback rules of the relevant card scheme to dispute certain debit card transactions. If you believe a transaction was not authorised or processed in accordance with your authority, or there is some other problem, you may have a right to recover the value of the transaction in accordance with the chargeback rules. Common chargeback reasons include unauthorised transaction, not receiving goods or services, duplicated transactions, cancelled membership or subscription, or a refund not being processed.
Please note that chargeback rights don’t apply to Visa Debit card transactions that are processed using the ‘savings’ or ‘cheque’ option.
What are the chargeback rules?
If you wish to dispute a transaction, you should tell us as soon as you notice the transaction in your transaction history or statement. There are different timeframes for disputing a transaction, depending on the type of transaction you’re disputing. For example, if you’re disputing an unauthorised transaction, you must tell us within 120 days of the transaction being processed. If you tell us too late, your chargeback rights may be lost and subsequently we may not be able to get the money back for you.
How do I lodge a dispute?
You’ll need to complete a Visa Debit Dispute form which is available online or in branch. You can submit your completed form in the following ways:
In person at your local Suncorp Bank branch
By post to: 4RE011 GPO Box 1453 Brisbane Qld 4001
By fax to 07 3031 2328
If the transaction is unauthorised, contact us on 13 11 75 straight away.
How does the bank get the money back?
Suncorp sends request for chargeback to Visa
Visa contacts the financial institution that the merchant banks with
That financial institution contacts the merchant (their customer) requesting chargeback. The merchant has 30 days to respond to the request.
The merchant responds to their financial institution with more information if they wish to dispute the chargeback.
That financial institution forwards this information to Visa, who forwards it to Suncorp.
It may take up to 45 days for us to complete our investigation.
Things you should know
Banking products issued by Suncorp-Metway Ltd ABN 66 010 831 722. Please read the Product Information Document before making any decisions regarding this product. Visit your nearest branch or call 13 11 75 for more information. Terms and conditions, fees and charges may apply and are available on request.
1. Cardholder’s liability is limited to zero for unauthorised transactions, provided the cardholder notifies Suncorp Bank of unauthorised Visa transactions, and there is no evidence of cardholder negligence, fraud or collusion.
2. Some retailers may charge a surcharge for using your contactless card. Retailers must put up clear signage to let you know if you are paying a surcharge when you use your contactless card.