See more FAQs on card use
and international travel.
Before you take off
Travel with access to your People First Bank accounts by following these steps and download our Banking tips for overseas travellers to review and take with you.
mobile-apps
Set up Digital Banking
Digital Banking means more ways to access your money, wherever you are. To access your People First Bank accounts while travelling, you'll need internet access and either:
- the latest version of the People First Bank App, for account access on the go
- Online Banking, so you can also access your accounts using a web browser on a PC, laptop, tablet or your mobile's browser apps.
my-cards
Check your cards
Make sure your card limits suit your travelling budget and renew your card if needed.
Check your Daily Limits per day (per card) before you leave. You can use your cards wherever the Visa logo is displayed. Local ATMs may have different limits on transactions.
The estimated time to increase your Visa Credit Card credit limit is 3-5 business days.
members
Confirm your details
While using the People First Bank App or Online Banking you may be prompted for a 6-digit one-time Verification Code, sent via SMS to your mobile or personal email address.
Please check the email and mobile number you've provided to People First Bank is up to date. To check or edit your details:
- in the App, go to the 'More' menu and select 'Profile and Security'
- in Online Banking click the 'Profile' tab.
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Contact us
Tell us when you're leaving. This is very important to help us protect your security and access to your accounts while overseas.
Before you leave Australia, you can notify us of your departure date one of three ways:
- call 13 11 82
- send us a secure mail via Messages in Online Banking or the People First Bank App
- visit a branch.
People First Bank overseas emergency details
Call +61 8 7078 4200 any time if you need to contact us for banking help while you're overseas.
Lost or stolen card
Visit the Visa website to find the contact details for each country and immediately cancel your lost Visa card.
Fraud
Call +61 2 8299 9534 to notify our fraud team right away if you're concerned about suspicious transactions on your account.
Secure ways to access your money overseas
See our Travel guide page for more tips to help prepare for your trip and protect your money while travelling.
Using your cards
Pay or withdraw cash by selecting 'Credit' with your Visa Debit Card or Visa Credit Card wherever the Visa logo is displayed.
Using your PIN numbers overseas
Paying by card or withdrawing cash at an ATM with your PIN number may require a 6-digit PIN.
If you're prompted for a 6-digit PIN:
- add '00' to the start of your 4-digit PIN
- for example, 1234 would become 001234.
Prepare for overseas fees and charges
Overseas charges differ from home, make sure you know what to expect:
- check our Fees & Charges document to confirm which fees and charges may apply on the cards you plan to use.
- use your Visa Credit Card or Visa Debit Card to help avoid ATM fees and keep your conversion fees to a minimum.
Local ATMs may have different limits on transactions and fees and charges may apply.
Spending cash
You may find it helpful to have some local currency on hand. If you need cash while travelling:
- withdrawing larger amounts less often can help to avoid ATM fees
- be careful when carrying large amounts of cash.
A mix of cash and cards while overseas is helpful, so you have a backup payment method if one is lost or stolen. You can buy foreign cash before you depart at currency exchanges.
Travel FAQs
If your card is lost or stolen in Australia, call our 24/7 Customer hub on 13 11 82 or visit your nearest branch as soon as possible.
If you're overseas, please contact us on +61 8 7078 4200 and visit the Visa website to find the contact details for each country to request a new Visa card be issued to you.
Customers can temporarily lock and unlock their card via Digital Banking:
People First Bank App and Online Banking:
- Navigate to the cards via the homepage.
- From there you can lock or unlock your card via the toggle. A locked card is reflected by a green toggle and the card image will also be updated to reflect this.
- To unlock a card, simply swipe the toggle back to grey. Allow a couple of minutes for the unlock to become effective.
To increase your credit limit on your card, you’ll need to make an application. Call us on 13 11 82 or visit your nearest branch and we’ll help you get started.
The estimated time to process your application and receive an outcome is 3-5 days.
Call us immediately on 13 11 82, contact us via the website, or go to your nearest branch and speak with a consultant.
You will need to contact us to arrange for a new card, as captured cards are not returned to People First Bank.
There may be a fee for ordering a replacement card. Refer to our Fees & Charges document for more details.
Some countries impose restrictions on the import/export of local and foreign currencies. You should seek advice from an official government website for the country you may be visiting.
Get the People First Bank App today
- Unlock the power of Digital Banking
- Track your accounts in real time
- Pay bills easily while you're away
