ANZ VISA DEBIT CARDTERMS AND CONDITIONS(COOK ISLANDS, FIJI, KIRIBATI, SAMOA,SOLOMON ISLANDS, TONGA AND VANUATU)
EFFECTIVE JULY 2020

WHERE TO FIND THINGS IN
THIS DOCUMENT

HOW TO CONTACT US
Via our ANZ websites:• Cook Islands: anz.com/cookislands

What you need to know about
these Terms and Conditions1• Fiji: anz.com/fiji

How to contact us

1• Kiribati: anz.com/kiribati

A glossary of the terms we use2

• Samoa: anz.com/samoa

General information about these Terms and Conditions 3• Solomon Islands: anz.com/solomonislands• Tonga: anz.com/tonga

Setting up your ANZ Visa Debit Card

3

Using your ANZ Visa Debit Card

3

Using your ANZ Visa Debit Card overseas4

Protecting your ANZ Visa Debit Card

5

Cancelling your ANZ Visa Debit Card

7• Fiji +679 3213 000 or +679 3316644 after hours

Cards you report as lost or stolen

7• Kiribati +686 21095 or +679 3316644 after hours• Vanuatu: anz.com/vanuatu
Or contact us by phoning the telephone numbers
listed below:• Cook Islands +682 21750 or +682 25750 after hours• Samoa +685 74021095 or +685 800199 after hours

WHAT YOU NEED TO
KNOW ABOUT THESETERMS AND CONDITIONSThis document sets out the terms that apply when we
provide you with an ANZ Visa Debit Card.
An ANZ Visa Debit Card lets you pay for goods or services
like an ANZ Access Card, but also lets you make contactlesstransactions (if your card is contactless card enabled), buy
goods or services online, over the phone, and overseas.

• Solomon Islands +677 21111 or +679 3316644 after hours• Tonga +676 20500 or +676 27931 after hours• Vanuatu +678 26355 or +678 27213 after hours
See ‘When to contact us immediately’ on page 6 for how tocontact us if your card is lost or stolen. Call us immediately
on the telephone numbers listed above or contact yournearest ANZ branch if you know or suspect:• someone knows or might know your PIN• someone has used your card without your authority.

You need to be the age listed below to be eligible for an
ANZ Visa Debit Card in the country from where your card
is issued:• Cook Islands – 18 or over
• Fiji – 16 or over
• Kiribati – 16 or over
• Samoa – 16 or over
• Solomon Islands – 18 or over
• Tonga – 16 or over
• Vanuatu – 18 or over.
You can also use your ANZ Visa Debit Card to access youraccounts using ATMs.
When you sign or use your ANZ Visa Debit Card you agree
to the following:• You agree that the terms and conditions in thisdocument apply to you and you’ll comply with them.
• If we say we may, or can, do anything in this document,
you agree we can do that.
When we exercise any of the rights we have in these Terms
and Conditions, we’ll comply with any laws, including laws
restricting how or when we exercise those rights. We also
aim to exercise our rights fairly and reasonably.
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ANZ VISA DEBIT CARD TERMS AND CONDITIONS(COOK ISLANDS, FIJI, KIRIBATI, SAMOA, SOLOMON ISLANDS, TONGA AND VANUATU)
EFFECTIVE JULY 2020

A GLOSSARY OF THE
TERMS WE USE
Account
An account is your designated account with ANZ that is
linked to your card. The account is debited and creditedwith transactions, fees, charges and interest. You accessyour account using your card.
ANZ
ANZ means:(a) the branch of Australia and New Zealand Banking Group
Limited ABN 11 005 357 operating in the jurisdiction
where the account(s) is opened and held, namely either
in Cook Islands, Fiji, Solomon Islands and Tonga; or(b) ANZ Bank (Kiribati) Limited, if the account(s) is opened
and held in Kiribati; or(c) ANZ Bank (Samoa) Limited, if the account(s) is opened
and held in Samoa; or(d) ANZ Bank (Vanuatu) Limited, if the account(s) is
opened and held in Vanuatu;
and its transferees, successors and assignees.

Law
Law means any law, legislation, regulation, proclamation,
ordinance, bylaw, rule, instrument, official directive,
ruling, code of practice, code of conduct or prudential
requirement in force in the jurisdiction where your accountis opened and held with ANZ.
Local currency
Local currency means:• New Zealand Dollars if your account is in the
Cook Islands• Fijian Dollars if your account is in Fiji
• Australian Dollars if your account is in Kiribati• Samoan Tala if your account is in Samoa• Solomon Island Dollars if your account is in the
Solomon Islands• Tongan Pa’anga if your account is in Tonga• Vanuatu Vatu if your account is in Vanuatu.
Our website
Our website is for:• Cook Islands: anz.com/cookislands

ATM
An ATM is an ‘automated teller machine’ allowing someone
to complete basic banking transactions, including
withdrawing cash.

• Fiji: anz.com/fiji

Authorised signatory
An authorised signatory is someone we’ve both agreed
can access and use your accounts.

• Tonga: anz.com/tonga

Card
Unless we’ve made it clear otherwise in these Terms andConditions, when we refer to ‘card’ we mean an ANZ Visa
Debit Card.
Contactless card
A contactless card is a card enabled with contactlesstechnology which you can use to make contactlesstransactions.
Contactless payment terminal
A contactless payment terminal is an electronic point-ofsale device with contactless technology enabled. It allows
you to make contactless transactions.
Contactless transaction
A contactless transaction is a transaction made bypresenting a contactless card to a contactless payment
terminal or an ATM with contactless technology enabled.
Cross-border transaction
A cross-border transaction is either of the following:• a transaction effected in a currency other than the
Local currency; or• a transaction effected in the Local currency witha merchant whose transactions are processed inanother country.
EFTPOSEFTPOS or ‘electronic funds transfer at point of sale’ allows
you to pay for goods or services without using cash.
Money is electronically transferred from your accountto the person selling you the goods or services.

• Kiribati: anz.com/kiribati• Samoa: anz.com/samoa• Solomon Islands: anz.com/solomonislands• Vanuatu: anz.com/vanuatu
PIN
This is a 4-digit number you choose and then use
to access certain services. Its full name is a ‘personal
identification number’.
Responsibility
When we talk about ‘responsibility’ or ‘responsible’ in thisdocument, we mean each of the following:• The responsibility or liability someone has for debts
they owe, or someone else owes.
• The responsibility or liability for someone else’s losses
or costs.
• The responsibility someone has to do something, or
not to do something.
Temporary block
Temporary block is a feature that you can activate to blocktransactions on your card.
We
When we talk about ‘we’, ‘us’, and ‘our’ we mean the relevant
ANZ entity.
You
When we talk about ‘you’, we mean the person we’ve
provided an ANZ Visa Debit Card. If more than one person:• ‘you’ means each person individually, and any two
or more of those people• each person must comply with these Terms and Conditions• each person must pay any amounts we’re owed, bythemselves or with the others who are responsible
for those amounts.
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ANZ VISA DEBIT CARD TERMS AND CONDITIONS(COOK ISLANDS, FIJI, KIRIBATI, SAMOA, SOLOMON ISLANDS, TONGA AND VANUATU)
EFFECTIVE JULY 2020

GENERAL INFORMATIONABOUT THESE TERMS
AND CONDITIONS
We can change these Terms and Conditions. We can also
add, remove, or change, any of our accounts, products,
services, or the fees we charge you to access or use themand the limits that apply. We’ll let you know what willchange and the date the change will take effect.
How we’ll tell you about any changes is set in our ANZ
Savings & Transactions Products Terms and Conditions.
Separate terms and conditions apply, including:• our ANZ Savings & Transactions Products Terms andConditions, which apply to the accounts you accessusing your card. If any terms in our ANZ Savings &Transactions Products Terms and Conditions areinconsistent with terms in these Terms and Conditions,then the terms in these Terms and Conditions will apply• our ANZ Visa Debit Card fees and charges. These fees andcharges are contained within the following documents:- ANZ Fees and Charges Customer Banking Services(Cook Islands and Samoa)- Disclosure of Fees and Charges Customer Banking
Services (Fiji)- Transaction and Savings Account Fees and Charges
Guide (Vanuatu)- Disclosure of Fees and Charges Customer Service Fees
& Charges (Kiribati)- ANZ Visa Debit Card (Solomon Islands and Tonga)
These documents (the ANZ Visa Debit Fees and Charges
Brochures) are available on our websites or at your nearest
ANZ branch.

You can ask us to issue separate cards to each accountowner if you’ve told us on your account opening authoritythat each account owner can access the account bythemselves. The account opening authority is theagreement you signed with ANZ setting out who owns
the account and who can access it.
We’ll agree to issue an authorised signatory a card, if
you’ve told us on your account opening authority they canaccess your account by themselves. You’re responsible fortransactions your authorised signatory does using their card.
We’ll send you replacement cards
We’ll send you a new card just before your current one isdue to expire. If you lose or damage your current card, or
it’s stolen, we’ll issue you a new card when you ask us to.
See ‘Cancelling your ANZ Visa Debit Card ’ on page 6 ofthese Terms and Conditions for more information.

USING YOURANZ VISA DEBIT CARD
You agree to pay any fees we charge for using your card
You agree to pay any fees we charge for using your cardand our ANZ Visa Debit Card Fees and Charges Brochures
are available at your ANZ branch or on our website. We
recommend you check the relevant ANZ Visa Debit Card
Fees and Charges Brochure to see what is free, and what
we can charge you for, before you start using your card.
You can access selected accounts using your card at
ATMs and using EFTPOS and contactless payment
terminals
You’ll be able to access your accounts using your card atselected ATMs, EFTPOS and contactless payment terminals(if your card is contactless enabled) locally and in someoverseas countries:

SETTING UP YOURANZ VISA DEBIT CARD

• You’ll be able to access most of your accounts using yourcard – we’ll let you know which accounts.

You’ll need to sign your card when you receive it
When we provide you with a card, you should sign the card
immediately. Always keep the card with you or in a safe
place. Your card belongs to ANZ, and you agree to returnit to us if we ask you to, or if your accounts are closed. You
may need to call us to activate your card. Please do not use
your card until it is activated.

• When you request your card, you’ll need to choose
which account we’ll take money from when you makecontactless transactions, transactions overseas, ortransactions where your card isn’t present, for example,
to buy goods or services online from retailers overseas.

You’ll need a PIN for your ANZ Visa Debit Card
You’ll need to have a PIN for your card and you can collectthe details of your PIN from your ANZ branch. You’ll need toenter this PIN when you use your card at an ATM or to buy
goods and services using EFTPOS. You can change yourPIN at any time at an ANZ ATM in the country from where
your card was issued, or by taking your card into your ANZ
branch with some photo ID. If your card is contactlessenabled, you will still need to enter your PIN before making
your first contactless transaction.
You can ask us to issue a card to joint account owners
or to an authorised signatory
You can ask us to issue a card to you and a separate card
to an authorised signatory.

• There will be some accounts that you won’t be able toaccess using your card.

When you use your card to buy goods or services, you give
us authority to take money from your selected accounts andpay this to the merchant. You agree we don’t have to seek
confirmation from you before completing that transaction.
We also don’t need to seek confirmation from you when
you use your card to make other transactions at an ATM, liketransferring money from one of your accounts to another.
We’re not responsible if a merchant won’t accept your card
or if they won’t allow you to withdraw cash using your card.
We’re also not responsible if you’re not happy with any
goods or services you buy using your card.
We can’t stop or cancel a transaction you make using yourcard. The merchant can choose to credit your accountinstead, for example where you’ve been charged thewrong amount by a merchant.
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ANZ VISA DEBIT CARD TERMS AND CONDITIONS(COOK ISLANDS, FIJI, KIRIBATI, SAMOA, SOLOMON ISLANDS, TONGA AND VANUATU)
EFFECTIVE JULY 2020

We may be able to charge back the transaction and may beable to give you a refund. We can only do this if you haven’t
received the goods or services you ordered using your card,and you haven’t been able to resolve this with the merchantdirectly. You’ll need to write to us within 120 days of thedate the disputed transaction is processed to your account.
You’ll need to tell us who the merchant was, what goods
or services you ordered but didn’t receive, when that was,and what steps you’ve taken to resolve this yourself. Ourcontact details are set out in our ANZ Savings & Transactions
Products Terms and Conditions or on our website.
Once we’ve received your letter, we’ll look into your complaint
with the merchant, and report back to you as soon as we can.
Some limits apply to your transactions
Daily limits apply to the amount you can withdraw froman ATM. Daily limits also apply to the value of goods orservices you buy using EFTPOS, over the phone, or online.
Depending on the country from where your card wasissued, a monthly limit may apply to purchases and
ATM withdrawals you make using your card, which are
performed overseas or by overseas merchants (including
all electronic transactions).
You can find out more information about these limits
by calling us on the relevant telephone number set out
in ‘How to contact us’ on page 1 of these Terms andConditions. We may change these limits from time to time.
Information about how we’ll tell you about any changes is
set out in our ANZ Savings & Transactions Products Terms
and Conditions.
Retailers and non-ANZ ATMs may have lower daily limits
than we apply.
ATMs, EFTPOS and contactless payment terminals
are generally available 24 hours a day – but it does
depend on the merchant
You can generally use your card at ATMs, 24 hours a day.
Overseas ATMs and non-ANZ ATMs may be available atdifferent times. EFTPOS is also generally available 24 hours
a day, but availability will depend on the trading hours ofthat merchant. Merchants also determine the availabilityof contactless payment terminals. The time your ATM,EFTPOS transaction or contactless transaction is processed
to your account will depend on the time you completed
the transaction with the merchant. Your ATM, EFTPOS
transaction or contactless transaction could be processed
the next day.
Use good judgement when using an ATM, EFTPOS
or contactless payment terminal
You should always use good judgement when using
an ATM, EFTPOS or contactless payment terminal:• Be aware of your surroundings. Choose a well-lit areaand park close to the ATM.
• Have your card ready before you approach the ATM.
• Have someone with you when using an ATM at night,
if possible.
• If you see anyone or anything suspicious, you should
leave the area and do your banking another time or atanother ATM.

• Take care that your card does not leave your sight whena transaction is being completed by EFTPOS or at acontactless payment terminal.
• If possible, keep your card in your own hand when using
a contactless payment terminal.
• Please report any problems to us by calling the relevant
telephone numbers set out in ‘How to contact us’
on page 1 of these Terms and Conditions or at any
ANZ branch.

USING YOUR ANZ VISADEBIT CARD OVERSEAS
You can use your card overseas
You can use your ANZ Visa Debit Card overseas:• You can use your card at overseas ATMs displaying thePlus logo.
• You can use your card to make transactions overseas
where your card isn’t present, for example to buy goods
or services online from retailers overseas.
• You may be able to use your contactless card overseas tomake contactless transactions at contactless terminals.
Contactless cards may also work at some ATMs overseas.
The transaction limits at which a PIN is required will depend
on which country you are in. We don’t set these limits.
• You can use your card to buy goods or services using
EFTPOS at merchants who display the Plus logo.
Visa is a global business offering electronic payment
services. Visa currently owns the Plus trademark. When you
use your card overseas, you must comply with any laws that
apply in that country, including those about exchange ofdifferent currencies.
See the relevant ANZ Visa Debit Card Fees and Charges
Brochure for information about fees that may apply
overseas which is available on our website or at your
ANZ branch.
If you use your card overseas from the country where
the card was issued, your transaction will be converted
into Local currency
If you use your card overseas from the country where thecard was issued, Visa will convert your transaction into your
Local currency:• Visa choose from exchange rates available to themwhen processing the transaction.
• Visa can choose to convert from the currency you
bought the item in directly to your Local currency, orfrom the currency you bought the item in to US dollars
and then into your Local currency.
• The date the transaction is processed isn’t always theday you made the transaction.
• Because Visa uses exchange rates in different ways, theexchange rates used for different transactions processedon the same day may differ.
These rules are set by Visa and they could change. We’ll let
you know if Visa changes their rules.

• Take care to make sure no one can see you enter your PIN.
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ANZ VISA DEBIT CARD TERMS AND CONDITIONS(COOK ISLANDS, FIJI, KIRIBATI, SAMOA, SOLOMON ISLANDS, TONGA AND VANUATU)
EFFECTIVE JULY 2020

We charge a cross-border transaction charge if you use
your card overseas from the country where the card
was issued
We will charge you a cross-border transaction fee on anytransactions you make using your card overseas. Pleaserefer to the relevant ANZ Visa Debit Card Fees and Charges
Brochure for the country from where your card was issued,
for information about the cross-border transaction fee
which will apply.
We can charge a cross-border transaction charge onsome credit transactions, or refunds to your card fromsomeone who is overseas
A credit transaction is where someone deposits money
onto your card. A refund is where you’ve bought goods
or services using your card, but the person selling themis giving you back the money you’ve paid.
We currently charge a cross-border transaction charge
on any credit transaction happening overseas using the
Visa network. If a refund happens using the Visa network,
we won’t refund the cross-border transaction charge
we charged on your original transaction.
Overseas ATM owners and non-ANZ branches could
charge you a fee
Banks and other financial institutions overseas can charge
you fees for using their ATMs or withdrawing cash overthe counter. When you complete your transaction, you
should be told what the fee is and asked to accept the fee
before you can complete your transaction. We’ll include
this overseas ATM or non-ANZ branch fee on youraccount statement. To keep fees down, or avoid fees, werecommend using overseas ATMs and non-ANZ branches
as little as possible.
You may be able to make contactless transactions
using your ANZ Visa Debit Card
You can use your ANZ Visa Debit Card to make contactlesstransactions, using contactless technology if your ANZ
Visa Debit Card is enabled with contactless technology.
ANZ contactless technology lets you make transactions
without having to swipe your card at contactless payment
terminals. Contactless payment terminals and ATMs enabledwith contactless payment technology usually display thefollowing contactless symbol:

Making contactless transactions
Contactless technology works by tapping or holding yourcontactless card over a contactless payment terminal or
ATM enabled with contactless technology if your card isenabled with contactless technology.
A contactless transaction may have a transaction limit
for which you won’t usually need to enter your PIN at thecontactless payment terminal or sign for the transaction.
However you will need to enter your PIN at the contactless
payment terminal if your transaction is above thetransaction limit. For security reasons, some merchants may
require you to enter your PIN for contactless transactions.
Different contactless transaction limits may apply in
different countries. For information on specific contactlesstransaction limits please visit our website.

By using a contactless card to make a contactlesstransaction, you agree that you’re giving us the authority
to take that amount from your account and pay it to
the merchant. You can’t stop or reverse the transaction.
You agree that we don’t have to check who is making thetransaction, or whether they have your authority.
You can use your ANZ Visa Debit Card online
You can use your ANZ Visa Debit Card to buy goods orservices online using money in your selected account.
Authorisations on your ANZ Visa Debit Card will
restrict money available in your accountIf you have an ANZ Visa Debit Card, a merchant can get
an ‘authorisation’ to check that you have enough money
in your account to buy those goods or services. Merchants
usually get an authorisation when you will pay for those
goods or services later.
Once a merchant gets an authorisation, it restricts themoney that’s available in your account by the amount ofthat authorisation. The authorisation can hold this money
for up to 30 calendar days.
For example, you check into a hotel. You’ll be staying at
the hotel for one night, and your accommodation will cost$180. The hotel gets an authorisation on your ANZ Visa
Debit Card for this amount. You have $300 in your Everyday
Account. The authorisation means you can only access$120 on your ANZ Visa Debit Card until you pay for youraccommodation or until the end of 30 calendar days.

PROTECTING YOURANZ VISA DEBIT CARD
You can help stop unauthorised use of your cardby protecting your PIN
You must do everything you can to protect yourPIN for your ANZ Visa Debit Card. You must take thefollowing steps:• Memorise your PIN – don’t write your PIN down.
• Always keep your PIN confidential. Don’t tell it to others,
including your family or anyone who appears to be ina position of authority, including people who claim tobe our staff, or the police.
• Take all reasonable care when using your PIN so no one
else sees it. For example, take care no one sees you enter
it when using EFTPOS, a contactless payment terminalor an ATM and don’t change your security details in a
public place.
• Select a PIN that is different from your other PINs.
You can help stop unauthorised use of your cards
by protecting your ANZ Visa Debit Card
You must do everything you can to protect your card,
including taking the following steps:• Ensure that your card is protected at all times frommisuse or any form of unauthorised use.
• Only you can use your card. We may cancel your card
if it is used by anyone other than you.

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ANZ VISA DEBIT CARD TERMS AND CONDITIONS(COOK ISLANDS, FIJI, KIRIBATI, SAMOA, SOLOMON ISLANDS, TONGA AND VANUATU)
EFFECTIVE JULY 2020

Temporary block
You can activate a temporary block to block transactions
on your card. You can activate a temporary block by calling
us on the relevant telephone numbers set out in ‘How tocontact us’ on page 1 of these Terms and Conditions.

Your responsibility for unauthorised use of yourANZ Visa Debit Card
We’ve explained in the table below what losses and costs
you’ll be responsible for if someone uses your card without
your authority:

You can remove a temporary block at any time by calling
us on that same number.

What’shappened?

Your responsibility
before you report
it to usYour responsibility
after you report it
to us

You’ve acted
in a way webelieve isfraudulent or
negligent.

You’re responsible
for all losses
and costs.

You’re responsible
for all losses
and costs.

The lower of:
We believeyou• The loss existing
contributed
when you told us.
to the• The maximum
unauthorisedamount you
use of yourcould accesscard.
using your cardover that time.

No responsibility.

No responsibility.
You weren’t
fraudulent
or negligent
and didn’t
contributeto theunauthoriseduse of yourcard.

No responsibility.

Activating a temporary block does not report your card as
lost or stolen. If your card is lost or stolen, you must report
it to us immediately as set out below.
When you activate a temporary block:• your card can’t be used for any transactions, unless thosetransactions were authorised or occurred before you
activated the temporary block but weren’t yet processed• you will still be able to view balances to your accountusing your card at ATMs
• you will still be able to make transactions on youraccounts, as only your card will be blocked• any fees will continue to be charged.
When to contact us immediately
You must call us immediately on the relevant telephone
numbers set out in ‘How to contact us’ on page 1 of theseTerms and Conditions or contact any ANZ branch, if:• you lose your card or it’s stolen, even if you haveactivated a temporary block• someone else knows, or you suspect someone mightknow, your PIN• you believe someone has used or might have used yourcard without your authority.
If you call us, we may need you to come into a branch
to confirm what has happened in person. We’ll need full
information about what has happened in case we needto contact the Police.

We’ll consider you’ve contributed to the unauthorised useof your card if you have breached any of:• these Terms and Conditions; and• the ANZ Savings & Transactions Products Terms andConditions.
You agree that the table above applies whether or not you
have loaded a temporary block on your card.
Our responsibility for unauthorised use of yourANZ Visa Debit Card
We’ll refund the amount of any unauthorised transactions
on your card where we agree you didn’t contribute to theunauthorised transaction and any of the following happen:• Someone forged your card.
• We mistakenly issued your card to someone else.
• Our employees or agents acted fraudulently
or negligently.
• There are faults with EFTPOS machines, a contactless
payment terminal, the EFTPOS system, your card, unless
those faults are obvious or we made information about
those faults public. However, we are not responsible
for any loss caused by events beyond our control. For
example, we’re not responsible if you can’t use your card
because the electricity, internet connection, or phone
networks are down. We’re not responsible if any third
party services we rely on to help us provide our services,such as a temporary block, are not available. We’re also
not responsible for loss caused by third party products
or services, or the temporary block.

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ANZ VISA DEBIT CARD TERMS AND CONDITIONS(COOK ISLANDS, FIJI, KIRIBATI, SAMOA, SOLOMON ISLANDS, TONGA AND VANUATU)
EFFECTIVE JULY 2020

We won’t refund any transaction where you or a cardholder
acted in a way we believe is fraudulent or negligent, or
we believe you contributed to the unauthorised use ofyour card.

CANCELLING YOURANZ VISA DEBIT CARD
To cancel your card, please call us on the relevant
telephone numbers set out in ‘How to contact us’ on
page 1 of these Terms and Conditions or contact your
ANZ branch. You should then cut your card in half throughthe magnetic strip and dispose safely. If we believe wehave a good reason to do so, we can cancel your card.
We can do this at any time and without letting you
know first. We can also refuse to renew, return, or replace
your card.

APS 222 Disclosure
You acknowledge that where ANZ is a subsidiary ofAustralia and New Zealand Banking Group Limited:a) it is a separate entity to Australia and New Zealand
Banking Group Limited and the obligations of ANZ
under this Agreement do not constitute deposits orother liabilities of Australia and New Zealand Banking
Group Limited; andb) ANZ is not an authorised deposit taking institution
within the meaning of the laws of Australia, andAustralia and New Zealand Banking Group Limited
does not guarantee the obligations of ANZ.

If your account is closed, or you don’t have authority
to use the account, you must call us on the relevant
telephone numbers set out in ‘How to contact us’ on
page 1 of these Terms and Conditions to cancel your card
immediately. You should then cut your card in half throughthe magnetic strip and dispose safely. You’re responsible
for any transactions made using your card, until we’vecancelled all the ANZ Visa Debit Cards for that account.

CARDS YOU REPORTAS LOST OR STOLEN
When you report your card as lost or stolen:• Your card can’t be used for any transactions, unless
those transactions were authorised or occurred before
you reported your card as lost or stolen, but weren’t
yet processed.
• You will still be able to make transactions on youraccounts, as only your card will be blocked.
You can ask us to issue you a replacement card. If you’re
overseas, and you’ve lost your card, or it’s been stolen ordamaged, we won’t replace your card until you’re back inthe country in which the card was issued – we do this forsecurity reasons and for your protection. If your card is lost,
we charge a fee to issue you a new card. See the relevant
ANZ Visa Debit Card Fees and Charges Brochure on our
website or at your ANZ branch for any fees that may apply.
Governing Law
These Terms and Conditions are governed by, and shallbe construed in accordance with, the Law in force in thejurisdiction in which your nominated linked account(s) isheld with ANZ. You and ANZ agree to submit to the nonexclusive jurisdiction of the courts that have jurisdiction
under that Law.

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