An everyday card for everyday spending

With a BNZ Flexi Debit Visa you can have your money on-hand whenever you need it. Use it to shop online from your everyday account.

Flex it any way you like

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Link your own accounts

Easily change the accounts that are linked to the CHQ and SAV options on your card in Internet Banking or the mobile app.

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Breeze through checkout

Save time when buying things up to $80 without entering your PIN by using contactless or mobile payments

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Shop online

Shop online anywhere that accepts Visa^. You can even link a separate account to your card for online purchases.

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Super secure

BNZ Flexi Debit Visa comes with leading security technology and you can rest easy knowing you're protected against fraud.

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Take it travelling

Use your card to shop overseas or get foreign cash out from ATMs^

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Additional card perks

Get access to benefits such as emergency travel assistance, Visa Checkout, or exclusive entertainment offers.

More ways to pay with your phone

Start paying in stores, apps and online, with Apple Pay or Google Pay™ and a BNZ Flexi Debit Visa or eligible Visa credit card^.

Discover mobile payments   


Our everyday cards at a glance

BNZ Flexi Debit Visa

An everyday card you can use just about everywhere

  • Annual fee$10 (fee waived for first year^)
  • Contactless payments
  • Google Pay-ready^
  • Apple Pay-ready^
  • Online/Phone purchases^
  • Overseas use^Eftpos & ATMs
  • Fraud protection
  • Daily ATM withdrawal limit$2,000
  • Daily transaction limit$10,000
Upgrade to Flexi Debit Visa
BNZ Eftpos Card

A trusty back up for everyday spending

  • Annual fee$0
  • Contactless paymentX
  • Online/Phone purchases^X
  • Overseas use^ATMs with PLUS logo only
  • Fraud protectionX
  • Daily ATM withdrawal limit$2,000
  • Daily transaction limit$10,000
Ask for a card from a BNZ store

Open an account straight away with RealMe®

If you’ve already verified your identity with RealMe, you can open a transaction or savings account online, and start using it straight away in Mobile and Internet Banking. This means you won’t have to visit us in store to prove your identity.

Small Print

Terms and fees apply. $10 annual card fee applies. Fees subject to change. For more information, please see the BNZ Flexi Debit Visa Terms and Conditions PDF 100KB BNZ Standard Terms and Conditions  264 KB, and our Personal Account, Service and Facility Fees guide PDF 132KB

  1. Online and phone purchases made on international orders charged in a foreign currency will incur a foreign currency service fee.

  2. Foreign currency service fees and overseas ATM withdrawal fees apply. Electronic transaction charges apply for Flexi Debit Visa purchases.

  3. Eligible cards include BNZ Advantage Visa Platinum, BNZ Advantage Visa Classic, BNZ Advantage Visa Business, BNZ Lite Visa, BNZ Visa Classic, BNZ Visa Platinum and BNZ Flexi Debit Visa. BNZ credit card and Flexi Debit Visa card terms and fees apply when you use your card in Google Pay or Apple Pay.

  4. To use Google Pay, you need an NFC-enabled Android™ device (KitKat 4.4+) and the BNZ Mobile Banking app.

  5. Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible devices, see

  6. $10 annual fee waived for the first 12 months when you get a BNZ Flexi Debit Visa at the time of opening a new YouMoney transaction account. After the first 12 months, you will be charged a $10 annual fee. 

Apple, the Apple logo, Apple Pay, Apple Watch, iPad, iPhone, iTunes, Mac, Safari and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Google Pay is a trademark of Google LLC.