Visa Debit Card

Follow the steps below to activate your new card using either the People First Bank App or Online Banking. 

In the People First Bank App:

1. Open the People First Bank App and select the 'Cards’ tab (next to Dashboard at the top of the screen).
2. Swipe across to the card you want to activate.
3. Click ‘Activate now’.

In Online Banking:

1. Log in to Online Banking and select 'Self service’ from the menu bar, then ‘Manage cards’.
2. Navigate to the card you want to activate and select ‘Manage’ to view the self-service options.
3. Click ‘Activate card’.

Once you’ve done these three steps, follow the final prompts in the App or Online Banking to complete your card activation. Remember to sign the back of your card before using it.

If you need help, please call our Customer hub on 13 11 82 or visit your local branch. To complete card activation at a branch, you'll be asked to provide appropriate ID.

Purchases and cash withdrawals are directly deducted from your transaction account, so there are no interest charges unless you're using an overdraft option. This means you can monitor your account balance and see exactly how much money you have left to spend. Visa Debit also has the convenience of international access to your accounts and the ability to make purchases online – still accessing your own funds. All purchases, including payWave transactions, are covered by Visa's Zero Liability policy, you won’t be held responsible for fraudulent charges or unauthorised purchases made with your card or account information. This means you can use your card to shop with total confidence, as you will always be protected against unauthorised use.

The following clip provides a great description of Visa Debit functionality and its uses. 

All our Visa Debit cards have the latest smart chip technology which is virtually impossible to copy, which provides an unrivalled level of protection against counterfeiting, card skimming and other fraudulent use. Our cards are also covered by Visa Secure and Eftpos Secure, which adds another level of protection when buying online from participating merchants. People First Bank also provide a fraud protection service to customers free of charge which monitors transactions to detect unusual activity, suspicious transactions and block the card if necessary. 

In addition, all Visa cardholders have admittance to Visa Entertainment providing access to concert and theatre ticket presales, film promotions and exclusive offers.

As you make a purchase online, Visa Secure and eftpos Secure assesses the risk of the transaction based on several factors. In some instances, you may be asked to enter a Verification Code which will be sent to your mobile phone number registered with People First Bank so the card isn't used without your permission.

Like most PINs or codes you may have it’s best to avoid choosing a PIN that contains repeating characters (4444) or digits in a sequential order (1234). It’s also safer to choose a PIN that no one could easily guess or numbers that represent publicly researchable information such as DOB, postcode, or similar. 

You can update your PIN through our People First Bank App or online using Online Banking. 

Alternatively, you can change your PIN at any People First Bank ATM. 

We are also here to assist with PIN changes by calling 13 11 82. To complete this process, you might be asked a series of identification questions. 

Yes, the smart chip provides the highest level of protection against counterfeiting, card skimming and other fraudulent use as the microchip is virtually impossible to copy.

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. 

Yes. This is still required as the signature on the back of the card will continue to be used for verification in certain situations, such as withdrawing cash at your local branch and travelling abroad to a country where PIN is not available for payment of goods.

All you need is a Visa card with the payWave feature. People First Bank offers customers a Visa Credit or Debit Card with the payWave feature. 

It's like having exact change wherever you go, so you don't have to worry about carrying a lot of cash or looking for change.

Contactless payments make small payments as easy as tapping your card.

Your Visa payWave card never leaves your hand at the checkout and eliminates the risk of card skimming as there is no need to enter the card into a card reading device.

You can keep track of all transactions made using your Visa payWave card by checking your statement or Online Banking transaction record, instead of keeping piles of receipts for your small purchases made with cash. It’s a fast and convenient payment method, especially at places where speed is essential, like at supermarkets, fast food restaurants, convenience stores and more. 

Yes. The card can still be used, by either swiping or inserting the card and entering a PIN you can complete the transaction. You can still choose to use your PIN if you prefer not to use the payWave functionality if the merchant facility still allows transactions to be made in this way.

There are no fees for setting up or using the payWave feature on your card. However standard fees and charges may apply to our cards or card related transactions. For more information, please refer to our Fees & Charges document. 

Yes. Visa payWave is safe:

• You are in control - your contactless card never leaves your hands to make a payment
• No accidental payments - your contactless card must be extremely close to the reader at the checkout to work
• Customers won't be double-charged for the same transaction even if the card touches the reader more than once.
• The maximum reach of 4cm means that you can't unknowingly pay for another person's purchase.
• It is virtually impossible for any of your Visa card details to be intercepted while in use. Each payWave card reader contains security based on industry-wide standard.
• You're covered by Visa's Zero Liability policy so you won't be held responsible for fraudulent charges or unauthorised purchases. 

All Visa payWave readers are tested and certified to make sure a card is only read once per transaction. As a safeguard, each transaction must be complete or void before another one can take place.