A MyState Bank Visa Debit Card can be used to withdraw funds from ATMs across Australia and anywhere in the world displaying the Visa logo. You can also make purchases, or pay bills online, by phone or across the counter.
Visa payWave is the latest payment technology that lets you pay faster with less hassle. If your card has been issued post 7 December 2011, your card has payWave functionality which allows you to pay instantly, by waving your card over a secure contactless terminal at participating stores. There’s no swiping or fumbling for cash. You just Wave and Go and you’re ready to go in just a few seconds.
For additional payment flexibility, you can also add your Visa Debit Card to the following digital wallet services – Apple Pay, Google Pay, Samsung Pay, Fitbit Pay and Garmin Pay^.
Visa payWave transactions via contactless terminals in Australia do not attract a fee however if you wish to withdraw cash, you’ll need to insert or swipe your card and enter your PIN.
A debit card facility gives you direct access to your own funds, however you can also apply for a line of credit to attach to your Visa Debit Card, giving you access to additional funds when you need it*.
For added convenience, your MyState Bank Visa Debit Card can also be linked to the following MyState Bank accounts:
- Glide Account
- Everyday Account
- Basic Account
- Access Assist Account
- Offset Account
- Youth Account (subject to minimum age requirement)
- Business Account (subject to the account authority being set up as one to sign)
Visa Debit Card Features
In addition to the convenience of direct access to your own funds, Visa Debit Cards offer other features:
- Maximum protection against counterfeiting or card skimming with chip technology making it harder to copy
- Access to Visa’s Zero Liability Policy
- Access to Visa’s entertainment program www.visaentertainment.com.au
- Additional protection from 3-D Secure 2.0 when shopping online through participating merchants
Just Wave and Go
Visa payWave is the latest payment technology that lets you pay faster with less hassle. The technology built into your card allows you to pay instantly, by waving your card or digital wallet over a secure contactless terminal at participating stores. There’s no swiping or fumbling for cash. You just Wave and Go and you’re ready to go in just a few seconds.
Why Visa payWave?
For purchases under $200, you can use payWave to save you valuable time. And don’t worry, you can still use your card for purchases over $200, you just need to enter your PIN.
Because your card never leaves your hand, there is less chance of someone getting hold of it. Each Visa Debit payWave card features a ‘smart’ chip giving you maximum protection against fraud.
Remember, a limit of 10 payWave transactions per day applies – please read our Terms and Conditions for Visa Debit for more information.
Where can I use Visa payWave?
You can use payWave at most Australian retailers and around the globe with your new Visa Debit payWave card.
Save transaction fees with a Visa Debit Card
Pressing ‘credit’ doesn’t mean you are paying by credit. By selecting ‘credit’ when paying with your Visa Debit card, your transaction is processed through Visa Asia Pacific which offers cardholders additional protection against unauthorised or fraudulent card activity.
Visa’s Zero Liability policy guarantees that Visa cardholders will not be liable for unauthorised transactions where they have not contributed to the loss through their actions or negligence.
Visa’s Zero Liability policy covers the following transactions:
- When the ‘credit’ option is selected
- payWave transactions
- Phone and online transactions
- Overseas and domestic transactions when the ‘credit’ option is selected.
It does not cover ATM and EFTPOS transactions when cheque or savings is selected.
How to apply for a Visa Debit Card
If you are ready to apply for a Visa Debit Card, you can:
Visa Secure (formerly Verified by Visa)
Internet shopping lets you choose from the best the world has to offer ‐ and now you can feel even safer when you shop online with your MyState Bank Visa Debit Card.
All MyState Bank Visa Debit Cards are automatically registered for Visa Secure. This service is designed to make online transactions more secure by providing an additional layer of security prior to authorization, helping to ensure the transaction is initiated by the rightful owner of the account. It comes free of charge – all you have to do is continue transacting and enjoy the added confidence and security the Visa Secure program provides.