Pre-paid Visa - Loaded Everyday card fees and limits

LoadedTM Everyday card fees and limits

It costs just $18.50 for a LoadedTM Everyday card, plus a monthly account fee of $1.50. It's free to reload your card. For more details, please check the table below.

Set-up and account fees

Type Fee ($) Frequency
Set-up fee

When you buy a Loaded Everyday card.

18.50 per card
Additional card fee

When you request an additional card on the same available balance.

18.50 per additional card
Account fee

What you'll pay to have a Loaded Everyday card.

1.50 per month

Day-to-day fees

Type Fee ($) Frequency
ATM fees
Domestic ATM balance enquiry fee

When you use your Loaded Everyday card to make an ATM balance enquiry at a New Zealand ATM.

1.00 per balance enquiry
Domestic ATM cash withdrawal fee

When you use your Loaded Everyday card to withdraw cash at any New Zealand ATM.

1.00 per withdrawal
Domestic ATM transaction decline fee

When you use your Loaded Everyday card at any New Zealand ATM and the transaction is declined.

1.00 per declined transaction
Overseas ATM balance enquiry fee

When you use your Loaded Everyday card to make an ATM balance enquiry at an overseas ATM.

1.00 per balance enquiry
Overseas ATM cash withdrawal fee

When you use your Loaded Everyday card to withdraw cash at any overseas ATM.

6.00 per withdrawal
Overseas ATM transaction decline fee

When you use your Loaded Everyday card at any overseas ATM and the transaction is declined.

1.00 per declined transaction
Branch and other fees
Card replacement fee

When you ask for a replacement Loaded Everyday card.

15.00 for standard delivery within New Zealand
Card replacement fee 25.00 for urgent delivery within New Zealand
Card replacement fee 40.00 for international delivery
Disputed transaction fee 1

When you dispute a transaction made using your Loaded Everyday card.

15.00 per disputed transaction
Transfer fee

When you ask us to close your card and transfer your unused available balance to a bank account.

15.00 if requested
Withdrawal at branch fee 2

When you use your Loaded Everyday card to withdraw cash at a bank or financial institution.

6.00 per withdrawal
Currency conversion
Overseas currency conversion commision 3

When you use your Loaded Everyday card for a foreign currency transaction.

3.5% of the New Zealand dollar amount once converted.
Default fees
Exceed available balance fee

When you exceed the available balance on your Loaded Everyday card.

25.00 per time you exceed the available balance by making withdrawals or purchases
Information fees (email, phone or text)
Email alerts fee

When you sign up for and receive email alerts.

0.05 per email alert
Phone service fee

When you call the customer service number.

0.50 per call to the automated phone service
Phone service fee 1.50 per call to a Customer Service Representative
Text service fee 4

When you check your available balance by text.

0.25 per request

Limits

Type Maximum ($) Frequency
Maximum amount for withdrawals and purchases

The maximum amount that you can withdraw from ATMs, banks or financial institutions, and purchase, using your Loaded Everyday card.

5,000 per day
Maximum amount for purchases

The maximum amount that you can purchase using your Loaded Everyday card.

5,000 per day
Maximum amount for withdrawals from ATMs, banks or financial institutions

The maximum amount that you can withdraw from ATMs, banks or financial institutions using your Loaded Everyday card.

1,000 per withdrawal
Maximum amount for withdrawals from ATMs, banks or financial institutions 2,500 per day
Maximum available balance

The maximum available balance you can have loaded on your Loaded Everyday card.

10,000  
Maximum load/reload amount

The maximum amount you can load/reload on your Loaded Everyday card.

5,000 per load/reload per day
Type Minimum ($) Frequency
Minimum load/reload amount

The minimum amount you can load/reload on your Loaded Everyday card.

5.00 per load/reload

Fees and limits effective as at 1 July 2012. Fees and limits subject to change. A day is from 12 midnight to 12 midnight, New Zealand time.

Notes
  1. This fee won’t be charged where the disputed transaction was our error.
  2. The Co-operative Bank is unable to provide cash withdrawal in branch.
  3. Kiwibank Limited, who issue LoadedTM Everyday card, charge a currency conversion commission for each foreign currency transaction (including EFTPOS and ATM transactions). When Kiwibank converts Foreign currency into New Zealand dollars, Kiwibank makes money on the conversion.
  4. Your mobile service provider may charge you text messaging costs for sending texts.

All rates are subject to change.

Your Loadedtm Everyday card is issued by Kiwibank Limited and distributed by The Co-operative Bank. Funds transferred to your Loaded Everyday card are held by Kiwibank Limited. Kiwibank’s Disclosure Statement is available from your local Kiwibank or at www.kiwibank.co.nz. The Kiwibank “Loaded” names, logos and related trade marks and services marks are owned by Kiwibank Limited.

Terms and conditions apply to the issue and operation of Loaded Everyday cards and accounts.

Back to top