Getting started
You should receive your physical Visa Debit card by mail within 7-10 business days.
If you've recently opened a new account online, you can set up your digital card straight away and use it with the digital wallet on your smartphone.
Your card number is 16 digits in length and can be found on the front of your physical card.
You can also locate your card number in the mobile app or internet banking by going to Manage cards > Card details.
You can use your card details to add your card to a digital wallet manually, or make purchases online or over the phone.
The card details shown online are all the details that are embossed on your physical card:
- The full card number or PAN
- Expiry date
- CVV (otherwise known as security code)
- Name on card
WARNING! Always keep your card details secure. Someone could use them to process an unauthorised transaction using your account or device.
To activate your new card, log in to internet banking and go to Services > Manage Cards, or in the mobile app go to Manage Cards then follow the on screen prompts.
- Select your card
- Activate your card as prompted
- Use card controls to allow or block card transaction types as required
Alternatively call 13 25 77 or visit your nearest branch and one of our friendly team will be happy to assist.
You can change your card PIN in the mobile app or internet banking.
- In internet banking go to Services > Manage Cards.
- In the mobile app go to Manage Cards, then follow the on screen prompts.
Alternatively, if you have forgotten your existing PIN, please visit one of our branches with your identification, and one of our friendly team will be happy to assist.
We'll automatically send you your replacement card around the time your existing card expires. Your card will continue to work for the entire month it is due to expire.
If you haven't received your replacement card within two weeks of the expiry date, please call 13 25 77 or visit your nearest branch and one of our friendly team will be happy to assist.
Card security
The quickest way to report your card as lost or stolen is by using the mobile app or internet banking. To report your card as lost or stolen:
- Log in to internet banking or the mobile app, and go to Manage Cards.
- Select the card you need to report as lost or stolen and follow the prompts to cancel your card.
If you have an eligible card, you can reorder a new card at the same time which can then be added to your digital wallet. You'll be able to use this until your new card arrives in the mail.
Alternatively, call us on 13 25 77 or visit your nearest branch.
Outside business hours?
To report a card as lost or stolen outside of business hours, please call 1800 648 027, or if you're overseas call +61 2 8299 9101.
If you've misplaced your card, or left it somewhere by mistake, you can place a temporary lock on your card while you look for it.
The temporary lock can be applied in internet banking or the mobile app, and will restrict all transactions on your card except for regular recurring withdrawals such as direct debits, and digital wallet transactions.
- In internet banking go to Services > Manage Cards.
- In the mobile app go to Manage Cards from the main menu.
To put a temporary lock on your card choose your card and tap or click the lock icon.
Alternatively you can contact us on 13 25 77, use webchat, or visit your nearest branch and we can put a lock on your card for you.
You can use card controls in internet banking or the mobile app to block international ATM, in-store, payWave and online purchases.
Go to Manage cards, select your card, and choose Card controls. Then simply update the international setting.
The currency that your transaction is processed in determines whether the transaction is categorised as an international transaction. For example, a withdrawal from a cash machine in Bali would be classed as an international ATM transaction, as you withdraw the funds in Indonesian Rupiah.
For security reasons, your card will be locked after multiple unsuccessful attempts of entering the PIN number. This lock will be in place for 24 hours.
If after this time you are unable to access your card, please call us on 13 25 77 or visit your nearest branch and one of our friendly team will be happy to assist.
Your card details can become compromised in many different ways. Some common examples include if your card has been stolen, skimmed at an ATM or point of sale, or if there has been a security breach of your phone or personal computer.
WARNING! It's important to protect your card and PIN at all times, and never share your card details with another person.
If you think your card has been compromised, you can place a temporary lock on your card to prevent any further activity. Please contact us on 13 25 77 and we will help you protect your account.
If you see a suspicious transaction on your account using your digital wallet, please call us immediately on 13 25 77, after hours on 1300 705 750, or +61 2 8299 9534 from overseas.
We’ll help you report your existing card details as stolen and arrange for a replacement card to be ordered.
WARNING! If your digital card has been compromised, it’s important that you don't use internet banking or the mobile app to report your card as lost or stolen. When a replacement card is ordered from one of our self-service platforms, the new card details may automatically replace your existing card details in a digital wallet. This could increase the risk of further fraudulent transactions being processed.
Credit cards
You can request to reduce your credit card limit by completing our online form.
Alternatively, you can request a decrease in internet banking or our mobile app. Go to Manage Cards > Select your card > Reduce limit and follow the prompts.
Reduce credit card online limit form
When your card is due to expire, we'll automatically send you a replacement card close to the expiration date of your existing card.
If you haven't received your replacement card within 2 weeks of the expiry date, please call 13 25 77 or visit your nearest branch and one of our friendly team will be happy to assist.
The minimum repayment due on your credit card is 3% of your outstanding balance as at the 14th of the month or $10.00, whichever is the greater.
The actual amount due and the due date will be displayed on your credit card statement which can be viewed as an eStatement in internet banking, and can also be found in the mobile app.
If you're applying for a new Visa Credit card or have an existing Visa Credit card with P&N Bank, you can apply to add an additional card holder to your account.
1. Confirm membership - an additional card holder must be a member with P&N Bank.
You can apply for membership by opening a deposit account online, by calling 13 25 77 or by visiting a branch. If applying online you will need to provide one of the following identification documents - passport or driver's licence - so that we can verify your identity.
2. Complete and sign form - the account holder will need to complete and sign the Visa Credit Card Additional Cardholder Request form. The additional card holder must also sign the form.
3. Return the signed form - the account holder should return the form to a P&N Bank branch, or if you cannot get to a branch during business hours, you can return the document via Secure Mail in Internet Banking. If returning via Secure Mail we will contact you by phone to confirm your request as the authorised signatory.
4. Account authority - we’ll process your request as quickly as possible, set up the account authority for the additional card holder, and advise when your additional card is on it’s way.
If you have any queries, please don’t hesitate to contact us on 13 25 77.
Manage my card
Your daily ATM withdrawal limit is $1,000.
To increase your limit, please call 13 25 77 or visit your nearest branch and one of our friendly team will be happy to assist.
Please note, limits can only be increased for 24 hours and then will revert back to the standard amount.
If you've misplaced your card or left it somewhere by mistake you can place a temporary lock on your card while you look for it.
The temporary lock can be applied in internet banking or the mobile app and will restrict all transactions on your card. This does not include regular recurring withdrawals such as direct debits or digital wallet transactions made using your mobile phone.
To put a temporary lock on your card, go to Manage Cards > Card controls.
Permanently lost your card?
You can report your card as lost or stolen and reorder a new card using our digital channels, or by calling us on 13 25 77 during business hours. To report a card as lost or stolen outside of business hours, please call 1800 648 027.
To report your card lost or stolen using internet banking or the mobile app, log in and go to Manage Cards. Select the card you need to report as lost or stolen and then follow the prompts to cancel your card and order a new one.
Alternatively, you can visit your nearest branch and we'll be happy to help.
You can use card controls in internet banking or the mobile app to block international ATM, in-store, payWave and online purchases.
Go to Manage cards, select your card, and choose Card controls. Then simply update the international setting.
The currency that your transaction is processed in determines whether the transaction is categorised as an international transaction. For example, a withdrawal from a cash machine in Bali would be classed as an international ATM transaction, as you withdraw the funds in Indonesian Rupiah.
You can use card controls in internet banking and the mobile app to block certain types of card transactions, and help keep your card safe.
- In internet banking go to Services > Manage Cards.
- In the mobile app go to Manage Cards then follow the on screen prompts.
You can block the following card transactions for both Australian and international transactions:
- In-store purchases – where you physically use your card and enter your PIN.
- ATM withdrawals – cash withdrawals made with your card and PIN at an ATM.
- Tap and go – purchases made by tapping your card at a point of sale terminal. Also known as payWave or contactless payments.
- Online purchases – purchases made online or over the phone using your card details.
- Digital wallet – card purchases made using a digital wallet such as Apple Pay, Google Pay™ or Samsung Pay, at a point of sale terminal, app or website.
To block a transaction type, slide the control to the left (grey). To allow the transaction type, slide the control to the right (green).
If you don't have access to internet banking, call us on 13 25 77 or visit your nearest branch and we'll be happy to help.
Once you've added your card to a digital wallet, you should only need your physical card for ATM withdrawals, larger transactions that don't support contactless payments, or to use when a retail or business location does not support contactless functionality.
Note: It's always a good idea to keep your physical card handy in case you lose your phone, your battery runs out or your digital wallet stops working for any reason.
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