Debit Mastercard
EFTPOS and ATMs
Your Debit Mastercard is accepted worldwide at any merchant or ATM that displays the Mastercard or Cirrus symbols. When you’re overseas, select Credit then enter your PIN or sign the receipt.
The funds for overseas transactions will come from yournominated default account.
Foreign Currency Transactions
When you use your Debit Mastercard® for transactions in a foreign currency, you’ll be charged a currency conversion commission.
The currency conversion commission is calculated based on the New Zealand dollar value of the foreign currency transaction.
For full information relating to overseas service that may apply to your account - check out our Debit Mastercard - User Guide & Terms & Conditions brochure.
Fair Rate Credit Card
Banks and merchants
Overseas, your Fair Rate Credit Card will be accepted by banks and merchants displaying the Mastercard symbol and at any electronic funds device displaying the Mastercard symbol.
Foreign currency conversion
Mastercard processes and converts into New Zealand Dollars, Cash Advances, purchases and/or charges made in foreign currencies at the rate(s) of exchange fixed by Mastercard.
Transactions made in United States and Australian Dollars are converted directly into New Zealand Dollar. Mastercard converts Transactions made in any other foreign currency into United States Dollars before converting them into New Zealand Dollars. A foreign currency fee will be charged by us on any such foreign currency Transaction. Details of this fee are available here.EFTPOS card
Our EFTPOS card can be used if to withdraw cash from ATMs displaying the Cirrus logo.
However, availability can be highly variable, so it's best not to rely solely on your EFTPOS card when traveling.
Tip: Check your card expiry date before you travel
Before you travel, check if your card is due to expire during your overseas travel period. If it is, you can apply for an early reissue.