Cards

Your Visa Debit card with Paywave is an important financial tool. Refer to the terms and conditions and follow these simple steps to keep your card safe:

  1. For purchases under $100 you can just tap and go
  2. For purchases over $100, you will need to enter your PIN
  3. You have a daily $300 global Paywave limit

You can activate your BOS Visa Debit card easily via:

1. BOS Internet Banking

  • Log into BOS Internet Banking
  • Select the debit card
  • Click on ‘Card Options’
  • Select ‘Activate Card’
  • Click ‘Submit’
  • Authorise the card activation via mobile notification (SMS or push notification)
  • Your card has now been activated

2. Contacting us on 13 95 00 (Mon-Fri, 9am-5pm AEST)

  • Select Option 4: ‘Card Enquiries’
  • Then, Select Option 2: ’Card Enquiries’

3. Visiting one of our branches

If you’ve lost your Visa Debit Card, or had it stolen, you can let us know by:

1. Contacting our Fraud Department on 1300 705 750 (available 24/7)

2. BOS Internet Banking

  • Log into BOS Internet Banking
  • Select the debit card
  • Click on ‘Card Options’
  • Select ‘Lost/Stolen’
  • Select reason from the drop down menu and click ‘Submit’
  • Authorise the card lost/stolen via mobile notification (SMS or push notification)
  • Your card has been closed

3. Contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST)

  • Select Option 4: ‘Card Enquiries’
  • Then, Select Option 1: ’Lost or Stolen Cards’

4. Visit one of our branches

Yes, you can temporarily block your Visa Debit Card via Internet Banking or by calling us:

1. BOS Internet Banking

  • Log into BOS Internet Banking
  • Select the debit card
  • Click on ‘Card Options’
  • Select ‘Temporary Block’
  • Click ‘Submit’
  • Authorise the card temporary block via mobile notification (SMS or push notification)
  • Your card has been temporary blocked

2. Contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST)

  • Select Option 4: ‘Card Enquiries’
  • Then, Select Option 2: ‘Card Enquiries’

3. Visit one of our branches

Yes, via one of three methods:

1. BOS Internet Banking

  • Log into BOS Internet Banking
  • Select Card
  • Tap ‘Enable Card’
  • Select a reason from the drop down menu and click ‘Submit’
  • Authorise the card re-activation via mobile notification (SMS or push notification)
  • Your card has been re-activated

2. Contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST)

  • Select Option 4: ‘Card Enquiries’
  • Then, Select Option 2: ‘Card Enquiries’

3. Visit one of our branches

There are a number of reasons why your transaction may have been declined. These could be:

  • You’ve reached your daily card limit
  • Reached your Paywave limit – try inserting the card followed with PIN
  • Your card is expired
  • You’ve entered an incorrect PIN

If none of the above apply, contact us via below two methods:

1. Contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST)

  • Select Option 4: ‘Card Enquiries’
  • Then, Select Option 2: ‘Card Enquiries’

2. Visit one of our branches

Yes, you just need to inform Bank of Sydney about your departure and arrival date, and your destinations, by:

1. Sending us a secure Internet Banking message

  • Log on to BOS Internet Banking
  • Select the envelope icon from the top
  • Select ‘New Message’
  • As a subject choose ‘Travel Note’
  • Write a short message including the above information about your trip and click ‘Send’
  • Authorise the secure message via mobile notification (SMS or push notification)

2. Contacting us on 13 95 00 (Mon-Fri, 9am-5pm AEST)

  • Select Option 4: ‘Card Enquiries’
  • Then, Select Option 2: ‘Card Enquiries

You can request a new Visa Debit card by:

1. Sending us a secure Internet Banking message

  • Log into BOS Internet Banking
  • Select the envelope icon from the top
  • Select ‘New Message’
  • As a subject ’New Visa Debit Card’
  • Write a short message requesting a new Visa Debit card to be issued to you by nominating your transaction account that you would like to be linked to and click send
  • Authorise the secure message via mobile notification (SMS or push notification)

2. Visiting one of our branches

You should receive a renewal card automatically. If you haven’t received your renewal card in the mail by the time your card expires, send us a request by:

1. Sending us a secure Internet Banking message

  • Log into BOS Internet Banking
  • Select the envelope icon from the top
  • Select ‘New Message
  • As a subject choose ’Renewal Card not received’
  • Write a short message requesting a new Visa Debit card to be issued to you.
  • Authorise the secure message via mobile notification (SMS or push notification)

2. Visiting one of our branches

Via iPhone (Apple Pay)

Apple Pay is an easy, secure and private way to pay in store, via the app on your iPhone, Apple Watch, or iPad.

You can add your Visa Debit card to Apple Pay in these simple steps:

  1. Open the Wallet app
  2. Tap the ‘+’ in the upper right corner
  3. Click ‘Continue’
  4. Enter the card’s security code ‘CVV’ to add card details from your iTunes account or select ‘Add a different card’ and use the camera to enter your card information
  5. Read through ‘terms and conditions’ and accept by clicking Agree icon
  6. Choose card verification by contacting us on 13 95 00 (Mon-Fri, 9am-5pm AEST)
  7. Once Apple Pay is activated, you can start using it straight away

If you need any assistance:

Contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST)

  • Select Option 4: ‘Card Enquiries’
  • Then, Select Option 2: ‘Card Enquiries’

Our Visa Debit card limit has a default limit of $3,000 daily. To increase or decrease your limits:

1. Send a secure Internet Banking message

  • Log into BOS Internet Banking
  • Select the envelope icon from the top
  • Select ‘New Message’
  • As a subject choose ’Increase/Decrease VDC limits’
  • Write a short message requesting a decrease/increase on your VDC limits and mention the last 4 digits of your VDC
  • Authorise the secure message via mobile notification (SMS or push notification)

2. Visit one of our branches

You have three tries to key in the correct PIN. After that, we protect your account by locking it until the next day. You can request a new Visa Debit PIN via Internet Banking or visiting one of our branches:

1. BOS Internet Banking

  • Log into BOS Internet Banking
  • Select the debit card
  • Select ‘Card Options’
  • Select ‘Modify Card PIN’
  • Enter the new PIN and confirm the new PIN on the following section
  • Authorise the new PIN via mobile notification (SMS or push notification)
  • Your PIN has now changed

2. Contact Bank of Sydney

  • Contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST)
  • Or visit one of our branches

1. Direct Debit

You can set up a direct debit by choosing a Bank of Sydney or non-Bank of Sydney transaction account to be debited monthly. This direct debit runs on the 10th of every month. You can set a direct debit to repay the full closing balance, minimum payment or a fixed amount. Please allow three business days for payments to clear.

Set up a direct debit by sending us a secure message using the below methods:

BOS Internet Banking

  • Log into BOS Internet Banking
  • Select the envelope icon from the top
  • Select ‘New Message’
  • Write a short message requesting the set up of a direct debit including the
    following details:
    • Account name
    • BSB
    • Account number
    • Repayment method (Full closing balance, minimum payment or fixed amount)
  • Click ‘Send’
  • Authorise the secure message via mobile notification (SMS or push notification)
  • Once the secure message is sent, someone from our Cards Department will contact you to confirm completion of the direct debit set up

If you don't have Internet Banking

  • Contact us on 13 95 00 (Mon-Fri, 9am-5pm AEST)
    • Select Option 4: ‘Card Enquiries'
    • Then, select Option 2: ‘Card Enquiries’
  • Visit one of our branches

2. BPAY

  • Your Biller Code and Reference number are enclosed in your credit card statement
  • Allow three business days for payments to clear
  • Login to your Internet Banking and proceed with BPAY as payment option, you will need the biller code and reference number

3. Online

4. Internet Banking via ’Domestic Payments’

  • Account details are enclosed in the credit card statement.

5. Visit one of our branches to organise the credit card payment

You can complete the Cards & BPAY Transaction Dispute Form here. Please submit as soon as possible, so we can assist with your request.

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Talk to one of our friendly staff Mon-Fri, 9am-5pm AEST (Excluding Public Holidays). Call 13 95 00

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