Credit and Debit Cards FAQs

Activate your Visa Debit or Credit Card in Internet Banking 24/7.

Step 1: Log in to Internet Banking using your member number and your Password. Find out how to reset your Password if you have forgotten it.

Step 2: In the navigation menu go to ‘Self Service’ and select ‘Activate Card’.

Step 3: Enter your card number, expiry date and press the ‘Activate Card’ button.

You can now use your card. 

Change your card PIN using Internet Banking or the Mobile App.

Change PIN in Internet Banking

You don’t need to know your existing PIN, but you will need to have a one-time password.

Step 1: Log in to Internet Banking.

Step 2: Select ‘Self Service’, and then ‘Change PIN’.

Step 3: Follow the prompts.

Change card PIN in Mobile Banking App

You don’t need to know your existing PIN, but you will need to have a one-time password.

Step 1: Log in to the Mobile Banking App.

Step 2: tap on the Cards icon at the bottom of the screen.

Step 3: Select the card you are wanting to change the PIN and tap Change PIN.

Step 4: Simply follow the prompts to set your new 4 digit PIN number.

If you need further assistance, please contact us.

To report lost or stolen cards during business hours (Mon-Fri: 8am - 8pm, Saturday: 9am - 3pm Sydney time), please call us on 13 61 91. Outside of business hours please call 1300 705 750. If you are overseas and you want to report your lost or stolen Visa card, please visit the Visa website.

You can also use the Mobile Banking app to report a card lost or stolen by selecting the ‘Cards’ option from the ‘Home’ screen, and then selecting ‘Report Lost or Stolen Card’. This will cause all transactions attempted on the card to be declined, including any recurring payments, balance updates and transfers performed via the Mobile Banking app.

You can easily order a new card using the app. You should first make sure that your postal address is correct in the My Details section of the app.

Step 1: Select ‘Cards’ icon or ‘Manage cards’ from menu

Step 2: Tap Need help with your card?

Step 3: Tap one of the three options (damaged, stolen, lost)

For our fees please see our fee and charges.

Alternatively, contact us locally or from overseas.

For Visa cards, visit Visa Global Customer Assistance.

Is there a transaction on your credit or debit card that you don’t think you made? Some merchants have trading names that differ from their business names, company names or brand names.

You can search online to find out about the merchant’s name on your statement. That should show you any other business names that merchant uses and maybe you will see a name you recognise. If you are sure you have not authorised the transaction and you need to raise a dispute, please click here.

The standard daily card cash limit is $2,000 AUD. When using ATMs outside Australia please note that other daily limits may apply.

To make sure your cards stay active while you’re away, please notify us of your travel plans. You can do this via the mobile app, by calling us on 13 61 91 or by visiting us in-branch before you go.

To update your travel details via the mobile app:

• Tap on 'Inbox' (envelope icon) in the top right corner.
• Tap 'New'. This will open a new secure message.
• Tap on the Category dropdown and select ‘Travel Note’
• In the message field, be sure to provide all of the below information:
  
  

  - All the country(s) you are travelling to
  - Departure Date
  - Return Date
  - Contact number while overseas
  

• Tap 'Send'

Once sent, a customer service operator will contact you within 1 business day of your request. 

Currently there is no cardless cash facility at Australian Mutual Bank. We intend to add this feature in a future release of the Mobile Banking App.

Visa payWave is a contactless method of payment. Visa payWave uses an embedded computer chip to send payment information to a secure reader at the point of sale. Visa payWave’s contactless payment technology lets users pay with just a wave of their card or device (within 2.5-5cm/1-2 inches of the reader). 

The daily limit for Visa payWave is $500 or 10 transactions per day

The maximum Visa payWave transaction is $100. For transactions over $100, you may be required to insert your card and enter your card PIN.

After reaching the daily limit of 10 transactions or the daily limit amount of $500 for Visa payWave, you will no longer be able to use Visa payWave. You will however be able to keep using your card as long as you insert your card and enter the PIN.

You can reduce your card limit by completing the form here.

Once completed, you will be contacted by a staff member for verification purposes and to action this request.

You can cancel your card by completing the form here.

Once completed, you will be contacted by a staff member for verification purposes and to action this request.

Cash advance means a transaction on the account which results in you receiving actual cash (whether at a branch or via an electronic terminal or by other means) and includes:

(a) a purchase of “quasi-cash” items such as gambling chips or travellers cheques;

(b) the payment of a bill at a bank or agent of the biller, which is nominated by the biller (for example, the payment of tertiary fees or utility bills);

(c) a funds transfer to another account held by you or a third party with us or another financial institution; or

(d) a BPAY® payment.