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ANZ Recharge - Credit & prepaid cards

ANZ Recharge

ANZ Recharge Card
ANZ Recharge is a reloadable, prepaid MasterCard that gives you the freedom to shop how you want. And because you decide how much you want to load onto it, it provides much greater control over your spending.

Recharge makes budgeting easy. You load it. You choose your fund limit.

Recharge lets you keep your spending under control. For a start, you're spending your own money so you're not racking up debt.

Unlike your EFTPOS card, Recharge is separate from your everyday account so it's easy to keep your disposable income separate from the money you need for bills and expenses.

Is Recharge right for you?

You can get a Recharge card as long as you're aged 16 years or older. You don't even need to be a New Zealand resident.

It's also a good option if you're concerned about security. If your Recharge card is lost or stolen you can easily cancel it and get a new one.

Parents

Recharge works well as a way to pass on pocket money to older children. They can use it like a credit card but you know they're spending their own money. Plus, if you choose to make your child an additional cardholder, you can set up limits on the card so it works in a way you're comfortable with.1 You can, for example, specify no ATM withdrawals or set a dollar limit for Internet purchases.

Freedom
  • Shop online, over the phone or in your favourite store.
  • It's a MasterCard® so it's recognised and accepted at millions of locations worldwide.
  • Spend your own money.
Control
  • Control what you spend by limiting how much you load onto your card.
  • Check your balance and your spending online or by text.
  • Separate your spending from your other accounts and EFTPOS card.
Security
  • It's PIN protected so it's more secure than carrying cash.
  • It's easy to cancel your card and get a new one if it's lost or stolen.
  • It's protected by our sophisticated Fraud Detection technology, plus it has a chip for even greater security (especially important for when you're using it overseas).

Fees

Monthly fees

For each card there's a monthly fee of $2.00 ($1 per month until 30 April 20112). This is charged every month from the date you first activated your card. All fees listed below, including international transactions are in NZ dollars and are per transaction.

Service fees

Cash withdrawal
 
All ATMs3
$3 ($0 until 30 April 20114)
All branch withdrawals
$3 ($0 until 30 April 20114)
Text alert fee*
 No charge
Other fees
 
Currency conversion fee
(applies to foreign currency transactions)
2.5% of the $NZ amount
Card replacement fee
$25
Urgent card fee
(domestic and international)
$35
Dispute handling fee
$15

Limits

Maximum load per day
$20,000
Maximum loads per day
20
Maximum total balance
$20,000
Daily EFTPOS maximum
$4,000
Daily ATM maximum
$2,000

Please note: daily limits are reset at midnight (NZ time)

Loading your card

When I load money onto my card, can I use it straight away?

If you load money onto your card at an ANZ branch you can use it straight away. If you use an online bill pay to load your card, it may take two working days to show in your account.
Can I load up one card using another?

Yes. Transactions between Recharge cards appear on your account immediately.

Using your card

Can I use my Recharge card anywhere?

Pretty much. You can use it at any retailer in New Zealand or overseas that accepts MasterCard® electronically (it won't work with the old 'zip zap' machines). You can use it online, over the phone, in our branches and wherever there is an EFTPOS terminal. You can also use it at ATMs in New Zealand and overseas. Currency conversion fees apply to all foreign currency transactions.
Can I use my Recharge card to withdraw cash?

Yes. You can withdraw money over the counter at any ANZ branch.

If you can't get to a branch, you can use an ATM to withdraw cash. The fee for all cash withdrawals is $3.5 ($0 until 30 April 20114)
How do I check my balance?

You can check your balance by:

  • logging in
  • calling 0800 777 811 (option 1)
  • coming into your nearest ANZ branch
  • text request.
How do I view my transactions?

The easiest way to view your transactions is online. All you need to do is log in and simply enter the date range you'd like your statement for (30, 60 or 90 days). You can also request your last ten transactions by calling 0800 777 811 (option 1).

Paper statements are available on request by visiting your local ANZ branch.
What text alerts can I set up?

You can set up regular text alerts to let you know:

  • when your balance goes below a set amount
  • your balance at a set time (e.g. daily, weekly, monthly)
  • when you have reloaded your card.

Before you set up regular text alerts, you'll need to register your mobile phone number. You can register your mobile phone number and set up (or turn off) regular text alerts by logging in, by calling 0800 777 811 (option 0) or at any ANZ branch. Fees apply.
What one-off text requests can I make?

You can make one-off text requests using your mobile phone. To do so, you need to register your mobile phone number by logging in, by calling 0800 777 811 (option 0) or at any ANZ branch.

Requests are available for:

Checking your balance

Text bal and the last 8 digits of your card to 4214.

Your last 5 transactions

Text stmt and the last 8 digits of your card to 4214.

Locking your card

Text lock and the last 8 digits of your card to 4214.

Unlocking your card

Text unlock and the last 8 digits of your card to 4214.

 

To make a one-off text request from overseas, follow the instructions above and send your text to +61 4 1043 7651.

International SMS fees may be applied by your mobile phone provider.

Additional cards

Can I get a second card on my account for someone else?

Yes. You can add one additional cardholder, but they'll need to be aged 16 years or older. We'll need to see their ID, so they will have to come into an ANZ branch.

Your additional cardholder will have a separate number and a separate Secure Access Code. They'll also need to activate their card by setting up a PIN before they can use it.
Do I have to set up the additional cardholder at the same time I apply for my card?

No. You can set up an additional cardholder at any time.
Can I set limits for how the second card is used?6

Yes, you can set spend and withdrawal limits, and you can limit the types of transaction each card is used for (e.g. you can specify no ATM withdrawals). Log in to change these settings, call 0800 777 811 (option 0), or visit your nearest ANZ branch.

Replacement cards

I know my card's here somewhere, I just can't find it. What do I do?

If you've misplaced your card but think you may find it, you can ask us to put on a temporary block that will stop someone else from using it. When your card is locked, you'll be unable to access the funds on your account. If you need to access your funds, you'll need to unlock your card, or cancel it and order a new one.

You can ask us to lock or unlock your card by logging in, by text request, by calling 0800 777 811 (option 0) or +64 4 499 1546 from overseas, or by visiting your nearest ANZ branch.
I've totally lost my card. What do I do?

Call 0800 777 811 (option 0) or +64 4 499 1546 from overseas, or come in to the nearest ANZ branch and let us know right away. We'll cancel the card immediately and order you a new one.

You'll need to set a new PIN and activate your card, and we'll transfer any funds from your old card. Just remember to change over any ongoing transactions that use the old card number. A replacement card fee may apply.
I need another card. This one's broken.

If your card is broken or doesn't work, call 0800 777 811 (option 0) or +64 4 499 1546 from overseas, or visit your local ANZ branch and we'll get it sorted. Fees may apply.

Getting in touch

I've changed my email and got a new mobile. How do I let you know?

Log in to update your email and mobile number online. Alternatively, call 0800 777 811 (option 0) or visit your local ANZ branch.
I've moved. How do I let you know my new address?

Call 0800 777 811 (option 0) or come into any ANZ branch.
How do I change my password?

You can log in to change your password online. You can also change it by calling 0800 777 811 (option 1) or by visiting any ANZ branch.

How to buy

For more information or to purchase an ANZ Recharge:

Visit branch icon
Visit your nearest ANZ branch

1 Spending limits can be imposed on a daily, weekly or monthly basis. Transaction limits allow you to opt-out of any of the following types of transactions - ATM withdrawals, branch withdrawals, EFTPOS, online, text transfers and/or online transfers. Spend and transaction limits cannot be imposed for specific merchants or specific types of websites.

2 The discounted monthly card fee of $1 applies until 30 April 2011. From 1 May 2011, the monthly card fee will revert to the standard fee of $2.

3 Does not include additional fees charged by third parties that ANZ has no control over e.g. usual text message costs charged by your mobile phone provider, or fees charged by ATM operators or other banks.

4 The free ATM and over the counter fees are available until 30 April 2011. From 1 May 2011, the ATM and over the counter fees will revert to the standard fee of $3 per transaction.

5 Banks and other financial institutions who own overseas ATMs may charge fees for using them. At the time of the transaction, the ATM should disclose the fee amount and require you to accept the fee before you can complete your transaction.

6 Spending limits can be imposed on a daily, weekly or monthly basis. Transaction limits allow you to opt-out of any of the following types of transactions – ATM withdrawals, branch withdrawals, EFTPOS, online, text transfers and/or online transfers. Spend and transaction limits cannot be imposed for specific merchants or specific types of websites.

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