Debit Mastercard

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Enjoy the convenience of an NBS Debit Mastercard

Unlock your everyday account with an NBS Debit Mastercard.  

Your NBS Debit Mastercard lets you shop anywhere you usually would with EFTPOS as well as anywhere Mastercard is accepted.  

And because it links directly to your nominated NBS account, you use your own money to buy things in New Zealand, online, over the phone and around the world. 

NBS Debit Mastercard key features

  • use your card in stores, at ATMs, online, internationally, and over the phone
  • contactless technology
  • card control – temporarily block your card and change your PIN
  • get exclusive offers via
  • Mastercard® Identity Check, an extra layer of security for online transactions
  • protection against fraud and unauthorised transactions with Mastercard’s Zero Liability promise
  • up to $12,000 daily transaction limit
  • $3,000 daily ATM withdrawal limit
  • fee free for cash withdrawals at NBS ATMs

Misplaced, lost, stolen or damaged cards

If you misplace your new card, you can temporarily block it via NBS Internet Banking or the NBS Mobile Banking App.  

Please contact us immediately if your card is lost, stolen or damaged on 0800 101 700. If you are overseas call 64 3 548 9928 (collect). 

How to apply for an NBS Debit Mastercard if you don’t already have one?

If you’re already an NBS client, please call us on 0800 101 700 and we can arrange to assign a card to any of your existing transactional accounts.

If you'd like to be an NBS client and to set up a transactional account with an NBS Debit Mastercard, call us on 0800 101 700 to arrange a time to come in and see us.

Get in touch

Safety tips

  • keep your NBS Debit Mastercard in a safe place
  • choose a safe PIN, do not share your PIN
  • use different PINs for different cards
  • never let anyone else use your card
  • if you lose your NBS Debit Mastercard temporarily block your card via NBS Internet Banking or the NBS Mobile Banking App and contact us immediately
  • check your bank transactions regularly to make sure they match the transactions you have made
  • destroy any old documents or receipts that display your card number
  • remember NBS will never ask you by email for your secure banking information
  • never email your NBS Debit Mastercard details or share them with someone you don't know over the phone

Rates and fees

NBS Debit Mastercard Fees
Annual Card Fee $10.00
Replacement Card Fee $10.00

Fees are subject to change.


New Zealand Transaction Fees
NBS ATM Transaction or Enquiry FREE
Other Bank ATM Transaction or Enquiry $1.50
EFTPOS Transaction (including contactless, online and MOTO) $0.50

Fees are subject to change.


International Transaction Fees
Offshore Service Margin (of the $NZ value of the transaction) 2.25%
EFTPOS Transaction (including contactless, online and MOTO) $0.50
ATM Transaction $6.00
ATM Enquiry $1.50

Please note: International ATMs may apply a surcharge; this should be drawn to your attention before you proceed with your transaction. This surcharge will be added to your withdrawal, converted to NZ dollars (if required) and debited against your account.
Some merchants may apply a charge for using contactless or for internet transactions; it is the merchants responsibility to notify you of any additional charges at the time of sale. These are usually added to the purchase price.

Fees and charges are subject to change.



Conditions of use

Conditions of Use for NBS Debit Mastercard apply. The Conditions of Use are in addition to, and should be read in conjunction with the NBS General Terms and Conditions. 


Have a look at our frequently asked questions page for more information on setting up and using your card. Alternatively, you can get in touch or call us on 0800 101 700 and one of our team will be happy to help.

The smart way of paying for goods and services instore, online and overseas.