Visa Debit Card

Pay for groceries, services and bills online, whether you are on the go or from the comfort of your own home, with our Visa Debit card. It’s like using cash, except you’re using funds directly from your linked transaction account.

When you’re out shopping, having lunch, travelling overseas or picking up equipment for your business, your Visa Debit Card is a super handy way to pay! It’s quick, convenient and has built-in security.

 

Key Features

Easy access with a physical and/or digital Visa Debit Card
Greater protection for online purchases with Verified by Visa
Withdraw cash overseas with no ATM fees
Available to personal or business transaction accounts^

Using your physical Visa Debit card

With your physical Visa Debit card you are able to simply tap your Visa Debit Card against a contactless reader to pay for a purchase via payWave. Note that for your physical card security, there is a transaction limit of $100, and a daily limit of $300 for payWave transactions.

You are also able to use your PIN or swipe your card on the reader to make larger payments.

Benefits of a digital wallet

It’s quick and easy to connect your Visa Debit Card to Apple Pay, Samsung Pay or Google Pay, for instant access and enhanced security. These payments are made via your smartphone or a wearable (such as an Apple or Samsung watch). They have an added level of security because they may be authenticated via biometrics (face ID or fingerprint scan), or your phone’s PIN.

Depending on the merchant and transaction value, a PIN may be required at the terminal at times.

Due to added security there are no daily payWave limits on digital wallet payments.

Digital Wallets

Travel with Convenient Access to Your Money

Traveling overseas with your Visa Debit Card is easy and convenient. You can make purchases abroad—both in-store and online—with ease. Plus, enjoy no overseas ATM fees, so you can conveniently access your cash anytime, anywhere.

Just remember, foreign transaction fees may apply.¹

Helpful Links

Open a new account with a Visa Debit Card

Apply Now

Contact us for a new Visa Debit Card for an Existing Account

Contact Us

Access Internet Banking to manage your accounts

Login

 

Frequently Asked Questions

You can activate your 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

  • For personal use:

Everyday Account 

  • For your business

Business Advance Account 

Business Saver

 

The Visa Debit Card is available to individuals above 16 years of age, with guardian or parent authorisation and consent.

An additional Visa Debit Card can be issued for joint account holders where each holder can have a Visa Debit Card for the account, provided the person is over the age of 18 (or over the age of 16 with parent/guardian consent) and an account owner or an authorised signatory to a personal or business account.

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 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

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

If you receive a renewal/replacement card:

Your card is already activated. Destroy your old card immediately; and use your existing PIN unless you’ve requested a new one from us.

After receiving a replacement card, you must update your card details in the Digital Wallet on your phone/device.

View more FAQs

^Available at participant merchants. Some terminals may require a PIN to be entered. For daily transaction limits, please review the Visa Debit Card Terms & Conditions.

1 Fees may apply to some types of transactions. Please refer to the General Banking Fees & Charges Guide for more information.

To use digital wallets you will need an eligible card, and a compatible device with a supported operating system.

Please take a moment to read through the below information before making a decision, as this advice is general and does not take into account specific individual needs.

Deposit, Saving & Transaction Accounts PDS

Visa Debit Card Terms & Conditions

More information about our products and services is available here.

Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries.

Google Pay, and the Google Logo are trademarks of Google LLC.

Samsung and Samsung Pay are trademarks of Samsung Electronics Co., Ltd.

Samsung Pay and Google Pay are free to download however your mobile network provider may charge you for accessing data on your phone.