Visa Debit Card FAQs

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 as lost or stolen.

Alternatively, call the Visa Hotline on 1800 139 241. You can also cancel your card by logging on to Online Banking. Once logged in select ‘Services’ then ‘Card Management’ and follow the prompts.

Gateway’s Visa Debit Card is accepted at all ATMs that accept Visa. A wide network of ATMs in Australia can be accessed, fee-free. When using an ATM, the operator will advise if a fee will be charged for your transaction. You may consider cancelling your transaction and finding an alternative if you are being charged a fee. Please review our fees and charges for ATM fees in Australia and overseas.

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: Telephone Banking – Simply call 1300 302 474 and choose the Telephone Banking option, enter your Member number and access code, then select 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.

If you have forgotten your PIN or would like to change your PIN for security purposes, you can do so via 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.

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

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 to Friday, 8am to 6pm AEST).

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 intend to use your card overseas. Overseas transaction fees will apply.

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

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

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

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 to Friday, 8am to 6pm AEST).

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

When withdrawing from an ATM please select Savings (SAV). Gateway encourages you to use the Credit (CR) option whenever available in store.

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.

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

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

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).

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.

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.

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

ATM direct charging means that if you use another bank's ATM, you may be charged a fee by that bank. The ATM operator will advise if a fee applies.

You will need to contact the merchant. You may be required to provide proof of purchase before the hold is removed.

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.