Personal debit cards

Can I apply for a debit card online in Australia?

Yes,  most major banks and financial organizations offer the option to apply for a debit card through their websites.

Here’s a general Steps to Apply for a Debit Card Online:

1. Decide which bank or financial organization you want to apply with. Consider factors such as fees, features, and customer service.
2. Go to the official website of the chosen bank. Look for the section related to account opening or debit cards.
3. Choose the type of account you want to open that comes with a debit card. Common options include everyday transaction accounts, savings accounts, and youth accounts.
4. Click on the option to apply online. You will be directed to an online application form.
5. Provide the required personal information, such as your full name, date of birth, contact details, and residential address.You may also need to provide information about your employment and income.
6. Verify your identity as required. This often involves providing details from documents such as your passport, driver’s license, or Medicare card. Some banks may offer digital verification through services like Digital iD or other online identity verification systems.
7. Submit your application.The bank will process your application. This can take a few minutes to a few days, depending on the bank.
8. If your application is approved, your debit card will be mailed to your address. This usually takes a few business days.
9. Follow the instructions provided to activate your card once you receive it.

Does Australian Post sell cards?

Yes, Australia Post offers a range of cards, including gift cards, prepaid cards, and travel cards:

1. Gift Cards (Visa and Mastercard Gift Cards)
2. Prepaid Cards (Load&Go Cards, Travel Cards)
3. Travel Cards (Australia Post Travel Platinum Mastercard:)

You can Purchase Cards at Australia Post In-Store, for this visit your local Australia Post retail outlet.Browse the range of gift, prepaid, and travel cards available.Select the card you wish to purchase and follow the instructions to load money onto the card, if applicable.

, or Online:

Just Visit the Australia Post website. Navigate to the section for gift cards, prepaid cards, or travel cards. Select the card you wish to purchase and follow the prompts to complete your order.

What are cashless debit cards?

Cashless debit cards in Australia refer to specific types of debit cards used primarily for social security benefits under the government's welfare management programs. These cards are designed to ensure that recipients use their benefits for essential living expenses, reducing the risk of funds being spent on non-essential items like alcohol, gambling, and tobacco.

You can also place free funds on a savings account.

Calculate your future income on a savings account (example): 

You can also get more detailed calculations by using our financial calculators.

Can I get crypto debit cards?

Yes, you can get crypto debit cards in Australia. These cards allow you to spend your cryptocurrency holdings directly at merchants that accept standard debit cards (like Visa or Mastercard), effectively converting your crypto into fiat currency at the point of sale.

Popular Crypto Debit Cards in Australia:

• CoinJar Card
• com Visa Card
• Binance Visa Card
• Wirex Visa Card

Who offers customized debit card?

You can apply for customized or personalized debit cards at the following and other banks. Such cards allows customers to design their card with a personal image or choose from a range of designs.

1. Commonwealth Bank (CommBank)
2. Westpac Bank
3. ANZ
4. Bendigo Bank
5. St.George Bank

What are the best international debit cards?

Here are some of the top international debit cards available in Australia:

1. ING Orange Everyday Card
2. Citi Global Currency Account Debit Card
3. HSBC Everyday Global Account Debit Card
4. Revolut Debit Card
5. TransferWise (Wise) Debit Card
6. Westpac Global Currency Card

When choosing the best international debit cards, you should consider several factors like low fees, favorable exchange rates, widespread acceptance, and additional travel benefits.

What are the best Visa debit cards in Australia?

It depends on your specific financial needs and preferences. Here are some of the top Visa debit cards available, known for their features, benefits, and popularity:

1. ING Orange Everyday Visa Debit Card
2. Macquarie Platinum Transaction Account Visa Debit Card
3. NAB Classic Banking Visa Debit Card
4. Westpac Choice Visa Debit Card
5. ANZ Access Advantage Visa Debit Card
6. Commonwealth Bank Everyday Account Smart Access Visa Debit

What are the best MasterCard debit cards?

When Choosing the Best MasterCard Debit Card, you should consider:

1. Check the accessibility of ATMs that accept the card both in Australia and internationally, and any associated fees.
2. Look for cards with low or no international transaction fees and ATM withdrawal fees.
3. Consider extra features such as travel insurance, purchase protection, and access to budgeting tools.
4. Ensure the card is compatible with digital wallets like Apple Pay, Google Pay, and Samsung Pay for added convenience.

Here are some of the best MasterCard debit cards available :

• ING Orange Everyday Debit Card
• Macquarie Transaction Account Debit Card
• HSBC Everyday Global Account Debit Card
• Bankwest Platinum Debit MasterCard
• Citi Plus Transaction Account Debit Card
• UBank USpend Debit Card

Can an overdraft be set on a debit card?

In Australia, it's important to clarify that an overdraft is typically associated with a transaction account (often linked to a debit card), rather than directly being set on the debit card itself. 

Can I apply for paypal debit cards?

PayPal does not offer its debit card services, such as the PayPal Debit Mastercard, in Australia. The PayPal Debit Mastercard is primarily available to users in the United States. However, PayPal does offer other financial services and products in Australia, including:

1. PayPal Balance. You can use your PayPal balance to make purchases online wherever PayPal is accepted.
2. PayPal Key. This service allows you to shop online using your PayPal account without using your physical PayPal card.
3. Digital Gifts. You can buy and send digital gift cards using your PayPal account. 

Is platinum debit card a good idea?

A platinum debit card can be beneficial if you frequently travel, make large purchases, or value the additional perks and protections it offers. However, it’s essential to weigh the annual fees and eligibility requirements against the benefits you expect to receive. Consider comparing different platinum debit cards from various banks to find one that best suits your financial needs and lifestyle. 

What banks offer prepaid debit cards?

Here are some good options from Australian banks:

• Australia Post Everyday Mastercard
• Commonwealth Bank Travel Money Card
• NAB Traveller Card
• Westpac Global Currency Card
• ANZ Travel Card
• Qantas Travel Money (Mastercard)
• Virgin Money 

Are virtual debit cards a good idea?

Virtual debit cards can be a convenient and secure option in Australia, especially for online transactions and digital payments. Here are some reasons why virtual debit cards can be a good idea:

Advantages of Virtual Debit Cards:

1. Virtual cards are used exclusively for online transactions, reducing the risk of fraud and unauthorized purchases compared to using a physical card.
2. They are particularly useful for immediate online purchases.
3. The cards can help protect your personal and financial information because they are not linked to your primary bank account or physical card details.
4. Ideal for one-time or limited-use transactions, such as subscriptions or trials, where you prefer not to use your primary debit card details.
5. Virtual cards can often be used internationally for online purchases, providing flexibility and convenience for shopping from overseas merchants. 

What is a reloadable debit card?

A reloadable debit card is a prepaid card that you can load with funds and use for various transactions, similar to a traditional debit card linked to a bank account.

• Key Features of Reloadable Debit Cards:
• Prepaid Nature
• No Credit Check
• Multi-Purpose Use
• Reloadable
• Online and Mobile Management
• Security Features

See the similar FAQ about Australian banks:

• Commbank investments proposals
• Commonwealth Bank ASX code
• Commonwealth Bank Group Super compliance letter
• Commonwealth Bank Superannuation savings account
• Commonwealth Bank bonds

Details of companies offering the financial services:

ANZ Bank

Head office’s address: 833 Collins Street

Contact center: 13-13-14

Phone: 61-3-9683-9999

Mail address: 833 Collins Street Docklands, Melbourne

Web-site: http://www.anz.com

Swift code: ANZBAU3M

Financial institution code: ANZ

Stock code: ANZ

ABN: 11 005 357 522

BSB: 015-891

ANZ Bank

Head office’s address: 833 Collins Street

Contact center: 13-13-14

Phone: 61-3-9683-9999

Mail address: 833 Collins Street Docklands, Melbourne

Web-site: http://www.anz.com

Swift code: ANZBAU3M

Financial institution code: ANZ

Stock code: ANZ

ABN: 11 005 357 522

BSB: 015-891

Australia Post

Contact center: 13-76-78

Web-site: https://auspost.com.au

Bank of Melbourne

Head office’s address: 525 Collins Street

Contact center: 61-132266

Phone: 61-3-9982-4186

Mail address: 525 Collins Street Melbourne

Web-site: https://www.bankofmelbourne.com.au/

Swift code: SGBLAU2S

ABN: 33 007 457 141

BSB: 193-879

Bankwest

Head office’s address: 300 Murray St

Contact center: 61-131719

Phone: 61-8-9449-2840

Mail address: Bankwest PO Box E237 Perth WA 6841

Web-site: http://www.bankwest.com.au/

Swift code: BKWAAU6P

ABN: 48 123 123 124

BSB: 325-185

CommBank

Head office’s address: 201 Sussex Street

Contact center: 13-22-21

Phone: 61-2-8055-4001

Mail address: Level 10, Tower One, Darling Park, 201 Sussex Street

Web-site: https://www.commbank.com.au/

Swift code: CTBAAU2S

Stock code: CBA

ABN: 48 123 123 124

Gateway Bank

Head office’s address: 68 York St

Contact center: 1300 302 474

Phone: +61 2 9307 4200

Mail address: GPO BOX 3176 SYDNEY NSW 2001

Web-site: https://www.gatewaybank.com.au/

Swift code: ASLLAU2CGTW

ABN: 47 087 650 093

BSB: 676-000

HSBC Bank

Head office’s address: 00 Barangaroo Ave

Contact center: 1-300-555-727

Phone: 1-3-4313-7690

Mail address: Level 36 Tower 1 International Towers Sydney 100 Barangaroo Ave, Sydney, New South Wales, 2000

Web-site: http://www.hsbc.com.au

Financial institution code: HBA

ABN: 48 006 434 162

NAB

Head office’s address: 800 Bourke Street

Contact center: 13-22-65

Phone: 61-3-8566-7023

Mail address: Level 4, 800 Bourke Street, Docklands, VIC

Web-site: http://www.nab.com.au/

Swift code: NATAAU3303M

Financial institution code: NAB

Stock code: NAB

BSB: 086-027

P&N Bank

Head office’s address: 556 Wellington Street

Contact center: 13-25-77

Phone: 61-132577

Mail address: Police & Nurses Limited Level 6, 556 Wellington Street Perth WA 6000

Web-site: http://pnbank.com.au/

ABN: 69 087 651 876

Revolut

Head office’s address: 161 Castlereagh Street

Web-site: https://www.revolut.com/

St. George Bank

Head office’s address: 275 Kent Street

Contact center: 13-33-30

Phone: 61-2-9553-5333

Mail address: St.George Bank Locked Bag 1 Kogarah NSW 1485

Web-site: http://www.stgeorge.com.au/

Swift code: SGBLAU2S

Financial institution code: STG

Stock code: SGB

ABN: 33 007 457 141

BSB: 112-908

Westpac Bank

Head office’s address: 275 Kent Street

Contact center: 13-20-32

Phone: 61-2-9155-7700

Mail address: 275 Kent Street, Sydney, NSW

Web-site: https://www.westpac.com.au/

Swift code: WPACAU2S

Financial institution code: WBC

Stock code: WBC

ABN: 33 007 457 141

BSB: 032-063

Wise

Head office’s address: 66 Goulburn Street

Web-site: https://wise.com/au/