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Visa Debit Card FAQs

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  My Visa Debit Card has been lost or stolen, what do I need to do?

Call us on 1300 302 474 to speak to a Member Consultant, if you call us outside our normal working hours (Monday - Friday, 8am - 6pm AEST), there will be a menu option to report your card lost/stolen. Alternatively, call the Visa Hotline on 1800 139 241. You can also cancel your card by logging onto Online Banking, select the Services menu option, then Card Management and follow the prompts.

  What ATMs can I use with this card?

The Gateway Visa Debit Card is accepted at all ATMs that accept Visa. However, to minimise fees charged to you by third parties we recommend that you use Westpac ATMs (including Westpac, St George, Bank of Melbourne and BankSA).

  How do I activate my new Visa Debit Card?

There are three ways to activate your Visa Debit Card immediately:

Option 1: Online
 - Simply log in to Online Banking, select the “Activate your card" option from the Services menu and then enter your Card Number and Expiry Date. If you do not have access to Online Banking, simply call us on 1300 302 474 to register.

Option 2: CUE Call - 
Simply call 1300 302 474 and choose the CUE Call option, enter your Member number, access code and then choose the card activation option. You will then be required to input your Card Number and Expiry Date.

Option 3: Call Gateway
 - Simply call 1300 302 474(Monday - Friday, 8am - 6pm AEST) and talk to a Gateway Member Consultant.

  How can I change my PIN?

If you have forgotten your PIN or would simply prefer another? It’s easy to change your card PIN for free with Online Banking.

1. Log on to Online Banking

2. Select Services then Card Management and follow the prompts. You don’t need your current PIN to set a new one.

  Which Gateway accounts can I access using my Visa Debit Card?

Visa Debit Cards can be linked to an Everyday Savings Account, Edge AccountLoan Offset Account or an EquitiSmart Account.

  Can I change the account my Visa Debit card is linked to?

Yes - if you would like to change the account your Visa Debit Card is currently linked to you can do so by calling us on 1300 302 474 (Monday - Friday, 8am - 6pm AEST).

  Can I use my Visa Debit Card overseas?

Yes - you can use your Visa Debit Card overseas at ATMs or EFTPOS terminals wherever VISA is accepted. The microchip embedded in your card ensures secure transactions and enhanced fraud protection while you are overseas. Gateway recommends that you advise us if you are intending on travelling overseas and using your card. Overseas transaction fees will apply.

  Can I use my Visa Debit Card to pay bills over the phone?

Yes - your Visa Debit Card can be used to pay bills wherever Visa is accepted.

  Can my partner get a card as a joint account holder?

If you have a joint Everyday Savings Account, Edge Account or 100% Loan Offset Account, you and your partner can have a Visa Debit Card each linked to the account.

  How do I apply for a Visa Debit Card?

Please call us on 1300 302 474 (Monday - Friday, 8am - 6pm AEST).

  My current card expires soon, when will I receive a replacement?

You will be issued a replacement card within the first few weeks of the month your card is due to expire. Your current card will continue to work right up to the last day of the month of its expiration date. If you haven't received your replacement card towards the end of the month please call us on 1300 302 474 Monday – Friday, 8am – 6pm AEST.

  Once I have applied for my Visa Debit Card, how long will it take to receive it?

Both your new card and PIN will arrive separately at your postal address within 5 – 10 business days.

  What account option do I use at an ATM or when using EFTPOS?

Gateway encourages you to use the Credit (CR) option whenever available. When withdrawing from an ATM please select Savings (SAV).If taking cash out while making a purchase via EFTPOS the Savings (SAV) option must be selected and a PIN entered. When using Visa payWave, you will not be asked to select Credit or Savings, as the transaction is contactless.

  What do I do if my card is damaged?

Call us on 1300 302 474 (Monday - Friday, 8am - 6pm AEST). A replacement card will be posted to you within 7 – 10 business days. Fees & Charges apply.

  What is the daily ATM cash withdrawal limit?

The daily cash withdrawal limit is set at $1,000 per day.

  Can the daily ATM cash withdrawal limit be changed?

Gateway will consider a temporary or permanent increase or decrease to the daily cash withdrawal limit upon your request. Call us on 1300 302 474 (Monday to Friday, 8:00am - 6:00pm AEST).

  What is the difference between a Visa Debit Card and Visa Credit Card?

Our Visa Debit Card uses funds within your account whereas Visa Credit Cards offered by other financial institutions provide you with a credit limit which can be used and paid for at a later date.

  What is Visa payWave?

Visa payWave is the latest in contactless, secure transaction technology that allows you to make instant lower value purchases without entering a PIN. You just need to ‘wave and go’ by holding your Gateway Visa Debit Card against any available Visa payWave reader for instant purchases under $100. Please note that daily transaction limits will apply to payWave transactions and you may need to enter your PIN once this limit has been exhausted.

  Where can I find fee-free ATMs?

You can find all fee free ATMs using our ATM locator service on our Gateway 2go App and website. Gateway’s fee free ATM network isWestpac's network of ATMs (including Westpac, St George, Bank of Melbourne and BankSA).

  What is ATM Direct Charging?

ATM direct charging means that if you use another bank's ATMs - or in our case non-Westpac ATMs (Westpac, St.George, BankSA or Bank of Melbourne) ATMs - you will be charged directly by that bank, rather than by Gateway. For example, if you use NAB ATMs, then NAB will charge you for using their ATM at the point of transaction.

  What is a merchant?

A merchant is a business whom you purchase goods and/or services from.

  What do I do if a merchant places a booking hold on my funds when I have paid for the goods or service by another means?

You will have to contact the merchant, you may need to provide proof of purchase before the hold is removed.

  Are there any fees involved with Gateway’s Visa Debit Card?

A monthly access fee of $5 per month applies to the Visa Debit Card. This fee will be charged to your linked Everyday Savings account on the 1st of every month. This access fee is in place to recover fees charged to Gateway. The monthly fee will be waived if you also have a Loan or Edge Account with Gateway.

 

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