Debit Card Finder™ – Debit Cards – Compare & Apply for an Australian Debit Card

Debit cards have all the access of a regular credit card, including online and phone purchases.

Unlike a credit card, a debit card has no credit facility, so it offers you the convenience and security of Visa and MasterCard, using your own money. They are also good options for students and those who have bad credit as there is no credit history required for application approval.

ING DIRECT Orange Everyday Account Offer

Debit Card Offer


The ING DIRECT Orange Everyday account is a unique transaction account that rewards you with free ATM usage and cash back when you make a minimum deposit of $1,000 from an external account each month. Receive:

  • Free ATM usage in Australia, regardless of who the ATM is operated by
  • 2% cash back on Visa payWave purchases under $100 in Australia
  • $0 monthly account keeping fee

    Debit Card Comparison

    Rates last updated November 28th, 2014

    Savings Account Monthly Account Fee Debit Card Access ATM Withdrawal Fee Interest Rate p.a. Details
    ING DIRECT Orange Everyday Account
    A transaction account with no monthly fees, plus a range of bonus features to take advantage of.
    $0 Yes, Visa $0 0.00% No monthly fees, and you can use any ATM in Australia for free withdrawals when you deposit at least $1,000 into the account from an external account. Open More
    Bankwest Qantas Transaction Account
    Get a Mastercard Debit Card and earn Qantas Points on your daily balance and eligible purchases.
    $6 Yes, Mastercard $0 0.01% *Pay no monthly account fees when you deposit at least $2,000 into your account each month. Open More
    HSBC Day to Day Transaction Account
    Enjoy no monthly account keeping fees, unlimited ATM transactions at over 3,000 HSBC, Westpac, St George, BankSA and Bank of Melbourne ATMs, with no ATM fees.
    $0 Yes, Visa $0 0.00% No ATM fees at over 3,000 HSBC, Westpac, St.George, Bank of Melbourne and Bank SA ATMs Open More
    ANZ Access Advantage
    Open ANZ Access Advantage everyday account and enjoy unlimited transactions using ANZ ATMs, ANZ Phone & Internet Banking, plus branch, cheque and EFTPOS .
    $5 Yes, Visa $0 0.00% No monthly account fee when you deposit at least $2,000 per month (normally $5 a month). Open More
    Citibank Plus Transaction Account
    Enjoy international money transfers from Australia to any account, anywhere in the world. No monthly fees, no ATM fees.
    $0 Yes, Visa $0 0.00% No ATM fees using Citibank, Westpac, BankSA and St .George branded ATMs Open More
    Westpac Choice
    Deposit at least $2,000 per month and enjoy no monthly service fee. Get this award winning transaction account from Westpac.
    $5 Yes, Visa $0 0.00% No ATM fees when using St.George / Westpac / BankSA ATMs. No monthly service fee if you deposit a minimum of $2,000 per month otherwise $5 monthly fee applies. Open More
    BankSA Complete Freedom Account
    Enjoy a flexible transaction account with a linked debit card and free unlimited transactions.
    $5 Yes, Visa $0 0.00% No monthly account keeping fees when you deposit at least $2,000 in the account each month. Free access to BankSA, St.George, Westpac and Bank of Melbourne ATMs. Open More
    St.George Complete Freedom Account
    No account keeping fees, if you deposit $2,000 per month plus no minimum balance required.
    $5 Yes, Visa $0 0.00% No ATM fees when using St.George / Westpac / BankSA ATMs Open More
    St.George SENSE
    Two joined accounts which together allow you to earn interest and access funds through a debit card.
    $5 Yes, Visa $0 2.85% No ATM fee when using St.George / BankSA / Bank of Melbourne / Westpac ATMs (in Australia). No monthly service fee if you deposit a minimum of $2,000 per month otherwise $5 monthly fee applies. Open More
    Bank of Melbourne Complete Freedom Transaction Bank Account
    A flexible transaction account with optional VISA debit card which can be used at Westpac, St.George, BankSA and Bank of Melbourne ATMs for free.
    $5 Yes, Visa $0 0.00% No ATM fees when you use Bank of Melbourne, BankSA, St.George or Westpac ATMs. No monthly fees when you deposit at least $2,000 into this account each month. Open More
    BankSA Express Freedom Account
    A transaction account with Visa debit card and no monthly fees if $1,000 is deposited into it each month.
    $3 Yes, Visa $0 0.00% Avoid ATM fees when using BankSA, St.George, Bank of Melbourne and Westpac ATMs. Avoid the monthly fee if you deposit $1,000 into this account each month. Open More
    Bank of Melbourne Express Freedom Transaction Bank Account
    A low fee transaction account with free unlimited banking transactions.
    $3 Yes, Visa $0 0.00% No ATM fees when you use Bank of Melbourne, St.George, Westpac and BankSA ATMs. No monthly fees if you deposit $1,000 into your account each month. Open More

    To find out more about debit cards, have a read of our comprehensive debit card resources. Read our guide to VISA Debit Cards for an in-depth explanation and comparison between VISA Debit Cards.

    Debit Card Options – Further information

    1. ANZ Access Advantage – A fantastic Visa debit card with unlimited transactions for $5 a month and purchase security with the ANZ ‘Falcon’. ANZ also offer a 50% discount on their monthly fee for students. Also offers access to Visa Entertainment including access to everything from concerts to cinemas, sporting events and travel offers.
    2. NAB Visa Debit Card – Unlimited access to all ATMs, with a $0 monthly fee.
    3. St. George Visa Debit Card – Offers an online guarantee with St.George secure and 10 free SMS alerts when joined to a Complete Freedom account. Access to Visa Entertainment.
    4. ING DIRECT Orange Everyday Account – Get 5% Cashback on purchases when you use tap-an-go.



    Comparing debit cards so you make the most informed choice.

    Debit cards usually have a MasterCard or Visa logo on them and can be used to make telephone or Internet purchases in the same way that you would use a credit card. They can also be used at an ATM, and are accepted wherever the logo on your debit card is displayed.

    1. Debit cards vs credit cards

    A debit card is much different than a credit card. You do not have to apply for credit when you get one, which means that your credit history has no bearing on your acceptance. This is not a short-term loan like you get with a credit card since it is linked directly to your bank account and is treated the same way as cash. If you do not have the money in the bank, then you cannot make your purchase.

    A lot of Australians are getting in trouble with their credit cards and build up a huge debt because it is so tempting to spend money you don’t actually have. There is no chance of this occurring when you have a debit card, and you still have the convenience of using them wherever credit cards are accepted.

    Debit card fees

    While there are fees associated with a debit card, they generally lower when compared to the fees you would have to pay with a credit card. If you need to go to an ATM to withdraw money for instance, you will not be charged a fee (if you use the correct ATM) that you would be charged if you used a credit card for a cash advance. Fees are always very modest with debit cards, and the best debit card is one that comes with a minimal fee attached to it.

    The benefits of a debit card

    How a debit card can help you save money

    The benefits of credit cards are pretty much apparent such as those using rewards programs as well as the convenience of having instant money, especially for new credit card holders. Aside from providing the same benefits, you are also assured that by using a debit card you won’t be accumulating debt over time.

    Debit cards are becoming very popular as a form of card to carry. Credit cards have well publicised benefits like rewards programs, but reward transaction accounts have also been introduced to encourage you to save. While debit cards have monthly fees which end up costing as much as a typical credit card annual fee, they still have their distinct advantages over credit cards.

    Only spend the money you own

    For the irresponsible or inexperienced user of credit cards, it may be suitable to use a debit card if you lack the discipline to manage credit. A debit card is only linked to your savings account(s) – while you can lose all your savings with irresponsible usage, it’s impossible to get into debt. However, the one thing you’ll need to wary of is over drafting fees. If you make a $10 purchase and only have $5 left in your account which your debit card accesses, you’ll be hit with an ‘overdraft’ fee.

    All the access of a credit card

    Debit cards dominantly use Visa and MasterCard as payment processors – which means you have the same access that any credit card has. Restaurants, magazine subscriptions, online purchases, the whole package is accessible from a debit card. Debit cards are almost as convenient as credit cards. Debit cards can be used in most places that Visa and MasterCard are accepted. It can be used in shops and for online purchases.

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    2. Business debit cards

    Credit cards can add buying power to your business where there previously was none. However, there are grave risks when doing this. Consider instead a business debit card.

    No Interest

    Debit cards are interest free so that factor alone can save you a lot of money over the year. Because you are only spending the money in your account at the time, you can happily be limited to not putting an expensive item on the credit card that you cannot afford right now. With a debit card, you don’t need to worry about paying for debt or high interest rates because the money is funded by your existing savings. Since the money will be debited immediately from your bank account, you will be more careful in spending too much.

    Credit cards on the other hand lend you money you don’t have and therefore provide higher risk factors.

    When using a credit card, each purchase is subject to some amount of interest. Should, at the end of the month, your business not be able to pay the credit card balance, that interest becomes greater and greater each month. In essence, when making purchases with a debit card, you are in fact, paying more for each purchase once interest is figured in.

    When using a debit card, these extra charges never come into play. Debit cards allow your business to make purchases interest free. There is no credit, or borrowed money, when using a debit card to rack up interest and keeps your records free of credit debt.

    You are protected with debit card use.

    Initially there was a concern with fraud regarding Debit Cards, but with the advent of the PIN (Personal Identification Number) and the chip technology, the public has become more accepting of the use of these cards. Just like credit cards, debit cards offer protection while you use them. Some debit cards offer 90 day protection after making your purchase. Plus they are protected with a unique PIN. A PIN you set and use every time you shop. Even if someone steals your debit card they would have to know your PIN before they could use it. Often credit cards offer protection on purchased items (great if you are travelling overseas) but it is also available on debit cards so if this is important to you, make sure that you check it out.

    Some debit cards offer rewards and perks with their cards

    Maybe one of the reasons you are using your credit card is because you want to earn points and redeem rewards.

    Easy accessibility to money.

    People who mainly rely on credit cards for their purchases sometimes visit a store that only allow cash payment. In that case they would have to rely on making an expensive cash advance. However, if you are going to use a debit card, you can withdraw cash any time from your bank, ATM’s and in shops and get instant access to cash without having to worry about high interest rates. There will be some charges and they vary depending whom you bank with. Using a debit card to withdraw cash is much cheaper than getting a cash advance on a credit card. Credit cards charge not only a fee for the transaction but also interest on the cash advance from the day it is taken out. With a debit card you can access cash at an ATM for a lesser fee and no interest to be paid.

    Convenience.

    Generally, debit cards provide the same convenience as credit cards do because the cards can be used anywhere MasterCard and Visa are accepted. You can use your debit card to shop at your favourite stores or pay your bills online or by phone.

    No Debt.

    With the ease of access to seeming “free money”, it can be easy for a business, just as easy as it is for an individual to become surrounded by credit debt. Occasionally, carrying a balance is a necessity for a business as capital is not always there to make good on the balance. However, using a credit card for everyday purchases when the capital is there is a dangerous trap to fall into.

    If you want a plastic card for ease of spending, carefully look at the options of a debit cards as opposed to a credit card. You could find that credit cards will be more expensive overall, especially if you carry over unpaid balances.

    Information on comparing VISA debit cards to make an informed choice.

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    3. Entertainment benefits for debit card reward programs

    With so many people switching away from credit cards over to debit cards, it’s easy to see why more card providers are offering incentives, entertainment benefits and rewards programs to entice more customers.

    Understanding that one of the major rewards often chosen by customers is related to entertainment, the rewards programs have moved to include some great entertainment benefits for customers using debit cards.

    In most cases, the types of entertainment benefits offered to customers tend to include access to sports games, music concerts and theatre tickets. Debit card holders who are part of the rewards program are able to access slightly better seats. They may also receive preferential treatment when it comes to booking tickets earlier than the general public are allowed to book.

    Further benefits also may include discounted prices on some tickets or any unsold seats, and the ability to meet some of the performers or sports personalities after the event.

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    4. Getting the most out of your debit card

    Using debit cards will help keep your debt under control and can also generate a small amount of income. More people are using debit cards these days instead of credit cards or cash, but it is important to use them wisely. To make sure that you’re getting the most out of them. Here are some debit card tips you can use to help improve your finances.

    Some debit cards offer cash back plans that give you cash rewards for using your cards for purchases. You will receive a small percentage back for a purchase that you make using the card. While it may seem relatively small, these rewards can add up fairly quickly, especially if you use debit cards to pay for groceries, utility payments or big-ticket items.

    You should compare the rewards programs offered by different banks before choosing your debit card. Some financial institutions offer special perks along with the cashback program. Find the plan that gives you the most benefits, taking into account any card fees as well, and you can actually earn a bit of money by spending on your card.

    It is important to remember that this is not a credit card and it is the same as paying cash for an item. Keep track of your account balance and try to keep it from going into overdraft by using it. Some banks have penalties for overdraft that come about from debit purchases. You can save a lot of money and time by simply recording the purchases you make with debit cards the same way you do with checks.

    Debit cards are an easy way to access the cash you have your account without having to carry around any money, and is just as easy to use as a credit card. As long as you manage your purchasing on the card properly and avoid overdrafts, you can start earning some cash back that you can use on anything you want.

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    5. Debit card security

    Debit cards offer a number of card guarding features to make using them more secure. More debit and credit card providers are becoming more accountable for preventing debit and credit card fraud and protecting your card security. Thus, a number of debit and credit card institutions now offer you a zero liability guarantee, where you will not be held liable for any of the charges made if your card gets stolen or lost.

    The two major debit card companies, MasterCard and Visa, now much of these protections are built in with your card and provided by your debit card company or your provider/financial institution.

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    Prepaid Credit Cards Comparison

    Provider Details Card Issue Fee Load/Reload Fee Monthly Service Fee Apply

    Woolworths Reloadable MasterCard

    You have the choice of two fee options:

    Option A – Monthly

    Option B – Pay as you LOAD

    $9.95

    $0 Option A

    $1 Option B

    $1 Option A

    $0 Option B

    Apply
    Apply

    History of debit cards

    In Australia it has been over 20 years that debit cards have been used in EFTPOS machines. Since 1988 when the first ‘switch card’ transaction took place, the Australian public has become accustomed to using ‘plastic’ for purchases. By 1995 Debit Cards had overtaken credit cards in popularity and within only 3 more years Debit Card transactions were more common than cheque payments.

    In 1990 there were over 19 million debit cards in circulation and popularity has continued through to today. In 2006 there were over 27.8 million Debit Cards in use and it is estimated that there will be 34.4 million debit cards in use by 2016 in Australia.

    Helping its popularity is Visa who says that the debit card is the fastest growing consumer product ever released by their company with about 70 million people using a debit card each month and with over 115 million people carrying a Visa branded debit card around the world.

    Over 20 million transactions of less than $10 each are made annually. Escalating credit card debt has concerned not only the users but banks as well and also governments, so it would not be surprising to see debit cards slowly replace most credit cards as people try to pull back their debt.

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    Ask a Question

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    50 Responses to Debit Card Finder™ – Debit Cards – Compare & Apply for an Australian Debit Card

    1. Default Gravatar
      Dave | August 1, 2014

      Is there such a thing as a virtual debit card where I can have a number and top it up online?

      • Staff
        Shirley | August 4, 2014

        Hi Dave,

        There are few in the market, such as the Virtual V Card.

        Cheers,
        Shirley

    2. Default Gravatar
      anti-paywave/paypass | July 15, 2014

      Credit Cards without paywave / paypass can you please highlight those cards which do not have this insecure one factor authentication as a selling point in your search engine.

      • Staff
        Shirley | July 16, 2014

        Hi Anti paywave/paypass,

        Thanks for your question.

        To our knowledge some cards offered by Citibank don’t have the paywave feature, though they are starting to incorporate this feature into all cards that are currently being issued.

        Unfortunately this feature is permanent for most cards on the market and can’t be disabled. You can still dip or swipe your card if you prefer not to use paywave or paypass.

        Cheers,
        Shirely

    3. Default Gravatar
      Pkpetr | April 9, 2014

      Are there any anonymous business credit cards?

      • Staff
        Jacob | April 10, 2014

        Hi, Pkpetr.

        I’m not sure I understand your question. Can you please elaborate?

        Thanks for your question.

    4. Default Gravatar
      | March 18, 2014

      I am going to Central and South America, for six months, what is the best Debit Card for these areas.

    5. Default Gravatar
      Bistra | February 19, 2014

      I want to use my Load&Go visa card on EBAY. Can I do this

      • Staff
        Jacob | February 19, 2014

        Hi, Bistra,

        This card has the same details as a credit card. You should be able to use this as a form of payment. Best to check with the seller first.

        Thanks for your question.

    6. Default Gravatar
      Samual | December 22, 2013

      Is it true your so called falcon security facility is run over in the Philippines ?

      I hear that the falcon security team is run over in the Philippines ? They stopped myfriends card while xmas shopping, so called the call centre and took her 45 minutes to get thru before team in NZ answered her call.. Would that be correct

      • Default Gravatar
        Micky | December 22, 2013

        I purchased your Credit Cards last year and was dumb founded when ANZ charged be to reward fees to have it, one for me being primary and my lovely wife as additional card holder. I then had my son listed as additional and paid another fee again for rewards. Frequent Flyer .. Not only do i pay additional cardholders but pay the rewards fee 3 times. I called other banks and they charged it only once regardless how many cardholders.. Do youthink that is fair …?

      • Staff
        Shirley | December 23, 2013

        Hi Micky,

        Thanks for your comment.

        Creditcardfinder.com.au is a comparison service, unfortunately we don’t handle the financial products ourselves and cannot comment on this. If you wish to lodge a complaint to ANZ about this, you can contact one of their specialists at the ANZ Complaint Resolution Centre. They aim to work closely with you to resolve your complaint within a maximum of five business days.

        Cheers,
        Shirley

      • Staff
        Shirley | December 23, 2013

        Hi Samual,

        Thanks for your comment.

        Creditcardfinder.com.au is a comparison service, unfortunately we don’t handle the financial products ourselves.

        The ANZ Falcon Security System runs internationally – on the ANZ website it states “It is extremely important to contact us on 13 22 73 prior to overseas travel to ensure your contact details are up to date and that we know that you are outside of Australia. For instance, your credit card could be declined by a merchant overseas when you know that there are funds available because ANZ Falcon has detected overseas transactions which are not consistent with the normal pattern on your account.”

        To prevent your ANZ credit card from being declined overseas, it’s best to notify ANZ before you travel.

        Cheers,
        Shirley

    7. Default Gravatar
      raelene | December 19, 2013

      Which debit card is affiliated so that we can use for cheaper Virgin/Etihad flights? Many Thanks.

    8. Default Gravatar
      Chris | November 30, 2013

      I have a prepaid woolworths mastercard, which was given to me as a gift. How do I spend the money on it?

      • Staff
        Jacob | December 2, 2013

        Hi Chris.

        Thanks for your question. Your prepaid MasterCard is can be used at merchants that accept MasterCard cards. It works like a debit card or credit card. The card will come with a PIN.

        Cheers.

    9. Default Gravatar
      Colin | November 18, 2013

      I have ANZ Debit Card, which has domestic travel insurance cover. How does this work, as I’m understanding it, this is free of premiums or any charges?
      Cheers, Col.

      • Staff
        Jacob | November 18, 2013

        Hi Colin.

        A quick search turned up that domestic travel insurance is offered with the ANZ Extras Package, which is an everyday banking account with added benefits. There is a monthly service fee of $18 with this account.

        Thanks for your question.

    10. Default Gravatar
      Tim | September 11, 2013

      Hi, I shop a lot from an overseas website. I usually pay them in USD, and my local bank (St.George) charges my a Foreign Currency Conversion Fee as 3-4%.

      Is there any offer could avoid that?

    11. Default Gravatar
      Gayle | August 27, 2013

      I have a gift card that I need to activated but don’t see where I need to go to —to do this. please
      Help

      • Staff
        Jacob | August 27, 2013

        Hi Gayle.

        Thanks for your question, but I can’t give you a proper answer without more information. You can generally do this on the website of the gift card provider. Who is the gift card provider?

        Thanks.

        Jacob.

    12. Default Gravatar
      chris | June 24, 2013

      Hi thank you for helping me out about the confusing with the new visa debit card i went for with ANZ the other day. So this means i must put at least 10.00 or more with the progress saver ? I don’t understand why i got it for when there’s 00.00 to begin with. My idea was mainly to keep saving money for my visa debit card (advantage saver) But it appears i must put money as well on another account call progress saver.

      What happens if i ask anz to delete this progress saver and just keep one for the visa debit card or that can’t be possible because the visa debit card does not work on its own ?

      So if i put money on the progress saver.. lets say 10.00 and nothing else and just concentrate more on the real savings where my 200.00 dollars is with the advantage access visa debit card.. Does this mean if i just put just 10.00 dollars only on that progress saver and left it that way.. will i still get charges and what not with fees ? I really don’t no which one i should be saving. As i like to see a sub total price in one price rather then separated by 2 of them both. As i would like to buy a tv for example 3,000 dollars or a trip that may cost under 5,000.00 dollars. Which one should i pretty much be saving because the day i want to buy online a trip i must need to see the subtotal amount I’ve saved rather then having bit of bit of cash on both accounts and not able to see them subtotal cost. Which means i might have example 2,000 on the progress saver and then 2,000 dollars on the other access advantage. Rather then have it shown as subtotal 4,000.00 dollars in total price.

      This is why it confuses me because i was meant to save up all in one price rather then separated. Oh tho i don’t think its a bad idea but my goal is to save money a few thousands dollars because if i want to buy something at the shop lets say a car and it was to cost me under 15,000 dollars i would rather see 15,000 dollars in one account rather then half and half on both different accounts. Or maybe it does work the other way around. Which means i must withdraw half the amount on the progress saver then again withdraw the other half amount i need from the access advantage account.

      Sorry. I will learn about this. I as a pensioner takes me a little of time. But i really appreciate your full time thank you Jacob appreciate it very much ones more.

      My apologies for my confusion here on this.

      • Staff
        Jacob | June 24, 2013

        Hi Chris.

        I’m not sure why you have a Progress Saver if you only asked for a Visa Debit Card. The Visa Debit Card is linked to the everyday transaction account and not the savings account.

        If you’re trying to save, depositing your money in to a savings account is a better idea than letting the funds sit in a transaction account as a savings account allows you to earn interest on the money you have in the account. The way the ANZ Progress Saver works is by offering two rates of interest to people saving money. There is the base rate of interest, which you will receive regardless of how much money you have deposited in to the account and there is the bonus rate of interest. You will receive the bonus rate of interest when you deposit more than $10 in to your account and make no withdrawals in a month.

        The choice of where you choose to save your money is up to you. If you choose to keep the ANZ Progress Saver, you can use this account to save your money and then transfer it in to your ANZ Access Advantage Account when you want to use your Visa Debit Card to shop. This way you will earn interest on your savings. The ANZ Progress Saver does not currently charge a monthly service fee.

        If you’re concerned about managing your accounts and having the money divided between a number of accounts, managing your accounts online is easy enough. You will need to register yourself for online banking (this can be done by calling the lender), after which you can instantly transfer funds between your accounts.

        If you’re looking to make a big purchase, like a car or a holiday, you can transfer the funds from your Progress Saver to your Access Advantage Account. Once you’ve transferred the funds in to your account, you can use the Visa Debit Card to make the purchase.

        I hope this has answered your question.

        Jacob.

    13. Default Gravatar
      Maddie | June 23, 2013

      Good day.

      Could you please tell me how come when I walk past ANZ branch(s) it seems there are quite a few lots of foreign people as to the other banks. So I was mainly curious as to whether ANZ is some kind of international bank. And that the other banks such as Commonwealth / St.George etc. are mainly Australian banks. I could be wrong. Just notice quite a lot of young people with ANZ. Not quite sure what A.N.Z actually stands for.

      With my visa debit card from St.George bank. Can i use this inside the Westpac branch or only at ATM that holds Westpac and st George without getting another fee when withdrawing cash from the ATM machine ? Normally an ATM machine would charge me about two dollars if it’s not a St.George bank ATM machine.

      Thanks.

      • Staff
        Jacob | June 24, 2013

        Hi Maddle. Thanks for your question.

        ANZ stands for Australia and New Zealand Banking Group. ANZ can trace it’s history back 170 years. The organisation you see today is a result of a merger between a number of banks and lenders. ANZ has its world-wide headquarters in Melbourne Australia, and is considered one of the ‘Big Four’ Australian banks.

        You can not withdraw cash from your St.George account over the counter at a Westpac branch. St.George customers can use their card to withdraw from a Westpac ATM fee of charge.

        I hope this helps.

        Jacob.

    14. Default Gravatar
      Chris | June 22, 2013

      Hi. I went into anz bank the other day ask for a ANZ Visa Debit Card (Advantage). But also it appears they made me get a different account added as well like a (Everyday Access Account?). So when I log-in online, it shows that I have two accounts. There is one called an Access Advantage and the other is called Progress Saver.

      I want to know why I have the Progress Saver when all I wanted was just a Visa Debit Card by ANZ?

      They said I had to have a account first before i get a visa debit card ? So on that date i added 200.00 dollars onto the access advantage (visa debit card) When i log online it shows access advantage with 200.00 dollars saves and (progress saver 00.00cents) Know I’m confused because i mainly just want to save and spent just with a visa debit card and i don’t understand what this progress saver is mainly for since it has 00.00cents. I mean to keep saving i rather have it all in one not just multiple accounts because its confusing for me and im a pensioner and it takes time for me to fully understand this. Could you please be kind to explain it to me why they made me get this progress saver as well ? So each time i want to save money (purpose for the visa debit card savings) how will i ever know where my savings be going.. access advantage or progress saver ?

      Do i really need the progress saver at all? since the main purpose was mainly to control just one account for the visa debit card and i choose (access advantage) since it is unlimited but i get charge 5.00 dollars per month. But the progress access i don’t no what it is mainly for unless it is a another second account join together. I am a new customer with anz and never been with anz before.

      thank you

      • Staff
        Jacob | June 24, 2013

        Hi Chris. Thanks for taking the time to write in to us about this.

        If you want to have an ANZ Visa Debit Card, you will need a linked everyday transaction account. When you use your Visa Debit Card, you will be spending the money in your everyday transaction account. The Visa Debit Card is just the means for shopping online – using the money in your transaction account.

        The ANZ Progress Saver is something different all together. This is a savings account and is not linked to the Visa Debit Card. You need to make a minimum opening deposit to open the account, so there should be funds in this account regardless of the $200.00 you mentioned in your question.

        I hope this has answered your question. Please let me know if you need more help with this question. Jacob.

    15. Default Gravatar
      Chris | June 19, 2013

      Hi there Jacob I too looking for a debit visa card. Hard to know which bank works best when it comes to hassle free with all fees and what not.
      To open a new visa debit card from a bank (i the new customer) Does this mean i must put money first into a (everyday savings account) and then put money into the new visa debit card in order to receive a visa card first ? or does the money i put today will go straight to that visa debit card ? It sounds like i must have 2 accounts 1 the everyday savings account and 2 the visa debit card. Or are they all combine together ? Which one do i put money first to begin with ? I could be wrong but i let you clarified me to it.

      Thanks mate. By the way there’s great info on this page which i like. Ive bookmark this page .

      Mike

      • Staff
        Jacob | June 19, 2013

        Thanks for your question Chris, and we appreciate your comments.

        When you open an everyday transaction account with a lender, you also have the option of attaching a Visa debit card to that account. This is basically just a second card that allows you to access the everyday account. I will stress that the Visa debit card is not it’s own account, when you use it to shop online and so on, you’re drawing funds from the everyday account. So, to spend on your Visa debit card, you have to have funds in your everyday account. I hope this helps, and live chat /’ email us (help@finder.com.au) if you have any more questions. Jacob.

    16. Default Gravatar
      Juan | June 18, 2013

      Hi thank you for your helpful tips and ideas.
      So to understand this. In order to get a new Visa debit card from a new bank out there. I must first open a everyday account is that correct ? this means i must choose that and then another day choose visa debit card or is this actually done on the actual same day ? For example ANZ bank i go in im not a existing customer but i want a visa debit card by anz bank. Will they give me a visa debit card on the actual day or do they give me a keycard everyday account instead ?

      it seems that visa debit cards are quite popular out there with many banks then ever before.

      Thank you

      • Staff
        Jacob | June 18, 2013

        Hi Juan. That’s correct, in order to get a Visa debit card you will need to open up an everyday transaction account with your chosen lender. You can open an everyday transaction account on the spot, but it will take seven to ten working days before you have your debit card. The card needs to be made and sent out to you before you can use it. I hope this helps. Jacob.

    17. Default Gravatar
      Juan | June 17, 2013

      Hi I’m 37 pensioner. I currently have a st George visa debit card and its brilliant. However i like to have another visa debit card by another different bank. I’m going on holidays to Europe like Germany/Finland. I want to be sure my second new visa debit card lets me use it as normal withdraw cash..pay the hotel anything over 2,000 dollars. Perhaps plane tickets online anything above 1k/2k examples. But not only for holidays but also in Australia for me to save my money and then buy things with my visa debit card if anything is above the cost or low. St George visa debit card does this for me lets me withdraw from ATM and put money in the bank every 2 weeks.

      I pay my bills and buy items with my st George visa debit card. Which bank will also offer exact same workout as this ?
      The reason why i want a second card its only a matter just in case my first st George visa debit card ever got stuck or cant withdraw. At least i have a second visa card with the half the amount of money specially been overseas. I believe st George bank offers interest rates..

      But what about the other banks ? Most banks don’t have this offer instead they may have a thing for discount movies and restaurants but this may not be my ideal because it all depends what type of restaurants and ticket movies it is. So i do like to own a second visa debit card. And just to be a little more fun with this i do like to choose the color of the card. I know some banks may do this. But sometimes they might not let me unless i was a existing customer.

      Also I’m a little worry about fees. My st George visa debit card is the pension type 55+ age regardless of my age. They don’t charge me no fees monthly unless i withdraw money from a different ATM machine. How about the other banks ? I may wish to save bit by bit with money go in the bank put money. And i normally just withdraw cash from ATM machines. But if the item is over 2k or above i do need to go in the bank to withdraw such amount. Thank you hope i get full information. I’m trying to decide.. maybe ANZ ? or so. ANZ seems to be all over Brisbane.

      • Staff
        Jacob | June 18, 2013

        Thanks for your question and your comment Juan. There are a couple of options for someone in your situation. If your travelling overseas and looking for a way to access your cash, have a look at out travel money comparison page. It compares credit cards, travel money cards and debit accounts that are ‘travel friendly’ (low on international fees). I’ve suggested that you have a look at this page as using a Visa debit card overseas may incur additional fees and charges, like currency conversion fees and ATM withdrawal fees.

        Visa debit cards are generally linked to a transaction account. If you’re looking at getting a new Visa debit card, you will need to open a new everyday transaction account with another provider. You can compare Visa debit cards here. Visa debit cards work the same way, regardless of who they’re offered by. They allow you to make purchases online, withdraw money from ATMs and they’re accepted where eve Visa is accepted. Some providers offer additional benefits with their visa debit cards, like purchase protection, so please compare your options to find the card that’s right for you.

        As for choosing the colour of your card. Some providers will let you design the colour of your card, while other providers let you choose between a few colours.

        I hope this has helped. Please ask us if you have any other questions.

        Jacob.

    18. Default Gravatar
      amanda | June 12, 2013

      Hi.
      After consolidating my debt I have closed all of credit cards with the promise to my husband to never get another one.
      I am really noticing the lack of points I am getting with velocity now though, and we did a whole trip last year on velocity points.
      is there a visa debit card that has an affiliation with velocity??? I would assume I can earn points on my own money.
      thanks

      • Staff
        Jacob | June 12, 2013

        Hi Amanda. Thanks for your question. No such debit card exits. But you can use the forthcoming Virgin Global Wallet travel card. This card allows you to load a number of different currencies on to the card and each time you make a purchase you can earn Velocity Points. Have a look at this page for more information. Jacob.

    19. Default Gravatar
      Vanessa | May 15, 2013

      Hi,
      Are there any debit cards with no international transaction fees when withdrawing funds overseas? I know the NAB Gold use to have this but I think they withdrew this feature. We are going away for 3 weeks and will have our Bankwest Platinum Mastercard but I am looking for a fee free option to access our own actual cash.
      Thank you for your time.
      Vanessa

      • Staff
        Jacob | May 15, 2013

        Hi Vanessa. Great question. There are a couple of options. There’s the Citibank Plus Transaction Account which lets you transfer between Citibank accounts in different countries free of charge, but this could be a bit of a pain if you’re only overseas for a short time and you’re travelling around a lot. Alternatively, there are travel money cards. These cards let you load your own money onto the card and present a cheap alternative to other forms of travel money when you’re looking to make purchases and withdraw funds overseas. Finding a fee free option will be difficult as there are fees and charges that you’ll incur somewhere along the way with most cards. One option people go for is to load their own money onto a card with minimal overseas transaction charges, like the 28 Degrees MasterCard, but there will still be international and local ATM fees with most cards. You can find out more about this here – our travel money comparison page. Let me know if there’s anything else you need. Jacob.

    20. Default Gravatar
      Jackie | May 7, 2013

      I am traveling internationally and I am planning to take and use my Debit MasterCard. Is it better to use my debit card or get a prepaid visa card. I am unsure whether France, The Netherlands,Switzerland, and Iceland would accept my MasterCard?

      • Staff
        Jacob | May 7, 2013

        Hi Jackie. The countries you’ve mentioned should all accept a MasterCard. You should compare you travel money options here, as each of these forms of accessing your cash overseas has its advantages and disadvantages. Jacob.

    21. Default Gravatar
      Sharon | April 11, 2013

      Because of a ridiculous debt of $100 that I had no knowledge of years ago, Im fairly certain I would get knocked back for the Mastercard 28 degrees credit card.

      Therefore can you please suggest a suitable debit card for travelling (to Vietnam), preferably one with little, or no, cash withdrawal fees.

      • Staff
        Jacob | April 11, 2013

        Hi Sharon. Thanks for your question. No one credit card is more suitable for a customer who was suffered a credit misadventure in the past. Having said that, if you were going to look at a card, it would be as you suggested, a low rate card. In terms of credit cards that are suitable to travel with, you should consider a credit card with no foreign transaction fees. Currently, Bankwest Platinum Cards and the Aussie Low Rate Platinum Card do not charge this fee. You’re going to get charged a fee no matter what when you use your card to withdraw money from an ATM overseas. Some cards have no international ATM fee (like the 28 Degrees), but there will still be the local ATM operator fee. One way to get rid of this fee is to research if there are any ATMs in Vietnam that have a global alliance with a local bank – you can use these ATMs free of charge. And then there’s cash advance fees and the cash advance interest rate (this can be avoided by keeping your card in a positive balance [pre-loading cash onto a credit card]). You may also want to consider an international transaction account, like the Citibank Plus Transaction Account or travel money card if you can’t get approved for a credit card – you can compare travel money options here. Jacob.

    22. Default Gravatar
      Vivienne | April 6, 2013

      Can I use my St George Debit card at ATMs overseas to get local currency – are there exchange rate and other charges
      Thank U

      • Staff
        Jacob | April 6, 2013

        Hi Vivienne. Thanks for your question. Yes you can; however, there will a charges. There’s an overseas transaction fee of $5 in addition to the local ATM operator fee. The exchange rate is set by the card provider. There may also be a currency conversion fee. There are other ways to access your money overseas that cut back on some of these charges. Jacob.

    23. Default Gravatar
      Toni | March 26, 2013

      What is the best & cheapest way to access money from America?

      • Staff
        Jacob | March 27, 2013

        Hi Toni. Thanks for your question. You may want to consider a transaction account with no international fees.

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