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 on to 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. Contact us on 13 95 00 (Monday to Friday from 9:30am - 5:00pm AEST)

  • Select Option 4: ‘Card Inquiries’
  • Then, Select Option 2: ’Debit Card Inquiries’

3. Visit 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 on to 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 (Monday to Friday from 9am - 5pm AEST)

  • Select Option 4: ‘Card Inquiries’
  • 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 on to 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 (Monday to Friday from 9am - 5pm AEST)

  • Select Option 4: ‘Card Inquiries’
  • Then, Select Option 2: ‘Debit Card Inquiries’

3. Visit one of our branches

 

Yes, via one of three methods:

  1. BOS Internet Banking
    • Log on to 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 (Monday to Friday from 9:30am - 5:00pm AEST)

  • Select Option 4: ‘Card Inquiries’
  • Then, Select Option 2: ‘Debit Card Inquiries’

  3. Visit one of our branches

  1.  

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 (Monday to Friday from 9:30am - 5:00pm AEST)
    • Select Option 4: ‘Card Inquiries’
    • Then, Select Option 2: ‘Debit Card Inquiries’

  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 (Monday to Friday from 9:30am - 5:00pm AEST)

  • Select Option 4: ‘Card Inquiries’
  • Then, Select Option 2: ‘Debit Card Inquiries

You can request a new Visa Debit card via Internet Banking or visiting one of our branches:

  1. Send a secure Internet Banking message
    • Log on to 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. Visit 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 via Internet Banking or by visiting one of our branches:

 

  1. Send 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 ’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. Visit 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
  1. Choose card verification by contacting us on 1300 888 730
  2. Once Apple Pay is activated you can start using it straight away

If you need any assistance:

  1. Contact us on 13 95 00 (Monday to Friday from 9:30am - 5:00pm AEST)
    • Select Option 4: ‘Card Inquiries’
    • Then, Select Option 2: ‘Debit Card Inquiries’

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 on to 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 on to 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 (Monday to Friday from 9am - 5:00pm AEST)
  • Or visit one of our branches

 

 

The maximum cash advance amount per statement of account cycle is 30% of your credit limit.

 

Follow the steps below when using your MasterCard tap & go (Paywave):

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

You can easily activate your BOS MasterCard. Here’s how:

  1. Contact us on 13 95 00 (Monday to Friday from 9:30am - 5:00pm AEST)
    • Select Option 4: ‘Card Inquiries’
    • Then, select Option 3: ‘Credit Card Inquiries’
  2. Visit one of our branches

Complimentary insurance is available only to Platinum MasterCard holders. Follow the below link https://www.banksyd.com.au/important-pds.html to read more about the Platinum MasterCard Insurance Policy.

 

 

  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:

  1. BOS Internet Banking
  • Log on to 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 below 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

 b. If you don’t have Internet Banking

  • Contact us on 13 95 00 (Monday to Friday from 9:30am - 5:00pm AEST)
    1. Select Option 4: ‘Card Inquiries’
    2. Then, select Option 3: ’Credit Card Inquiries’

  c. 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

Yes. To increase or decrease your credit card limit, send us your request using the below methods:

 

  1. BOS Internet Banking
    • Log on to BOS Internet Banking
    • Select the envelope icon from the top
    • Select ‘New Message’
    • As a subject choose ’Increase/Decrease credit limit’
    • Write a short message requesting a decrease/increase on your credit limit and click ‘Send’
    • Authorise the secure message via mobile notification (SMS or push notification)

 

  1. Visit one of our branches

All purchases and cash advances made through your credit card are limited to the available credit limit of your credit card account. You can check your credit limit via the below methods:

  1. BOS Internet Banking
    • Log on to BOS Internet Banking
    • Select the MasterCard
    • You will be able to view:
    • Available balance
    • Current balance
    • Minimum payment
    • Last statement balance

  2. Contact us on 13 95 00 (Monday to Friday from 9:30am - 5:00pm AEST)

  • Select Option 4: ‘Card Inquiries’
  • Then, select Option 3: ’Credit Card Inquiries’

If you’ve have lost your MasterCard or had it stolen, here’s how you can let us know:

  1. Contact our Fraud Department on 1300 705 750 (24/7)
  2. Contact us on 13 95 00 (Monday to Friday from 9:30am - 5:00pm AEST)
  • Select Option 4: ‘Card Inquiries’
  • Then, Select Option 3: ’Credit Card Inquiries’
  1. Visit one of our branches

 

If you’ve forgotten your PIN, you can reset it by:

  1. BOS Internet Banking
    • Log on to BOS Internet Banking
    • Select the MasterCard
    • Select ‘Card Options’
    • Tap ‘Modify Card PIN’
    • Enter the new PIN and confirm the new PIN
    • Authorise the new PIN via mobile notification (SMS or push notification)
    • Your PIN has now been modified
  2. Contact us on 13 95 00 (Monday to Friday from 9am - 5pm AEST)
    • Select Option 4: ‘Card Inquiries’
    • Then, select Option 3: ’Credit Card Inquiries’
  3. Visit one of our branches

Primary and additional card holders can block their card temporarily by contacting us or visiting one of our branches:

  1. Contact us on 13 95 00 (Monday to Friday from 9:30am - 5:00pm AEST)
    • Select Option 4: ‘Card Inquiries’
    • Then, Select Option 3: ’Credit Card Inquiries’
  2. Visit one of our branches
    • Our customer service representatives will direct and assist you in completing the appropriate forms

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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