Westpac
Credit cards
Prepaid Cards
As at 1 February 2017
Whether you’re planning on
travelling, sending money overseas,
or you just want a simple way to buy
things online or around the world,
we have a card to help you.
Westpac Prepaid cards give you
the flexibility and security of the
worldwide Visa network. You
can use them online or overseas.
Contents
4 Westpac Prepaid cards – a card for
every purpose
6 Westpac Express – a great way to
send money overseas
8 Westpac Travel – a great travelling
companion
9 ATM Global Alliance
10 Westpac Prepaid
11 Applying for a card
12 How your card works
13 What do the cards cost?
3
Westpac Prepaid cards
– a card for every
purpose
Depending on what you have in mind,
we could have a card to suit.
Sending money overseas – Westpac Express is a greatvalue way to send money to a family member or friend
overseas, with competitive exchange rates and low fees, and
all the security of the Visa network.
Travelling overseas – Westpac Travel provides a
convenient way to pay at over 35 million merchants around
the world, and access to cash from over 1 million ATMs
when you’re travelling. It can also help you stick to your travel
budget.
Everyday use – if you’d like all the convenience of a credit
card, but don’t want the debt, a Westpac Prepaid card could
be the answer. It allows you to buy online, over the phone and
around the world. It’s also a good way to help you control
your budget, because you can only spend the amount you
have loaded onto the card. You can use your card for just
about anything you like – buy music online, order stuff over
the internet, and of course you can use it for Eftpos and ATM
transactions here in NZ.
More about Westpac Prepaid cards
–– you are required to produce identification when you
purchase a card
–– you can reload the cards by depositing more money
onto them
–– y ou will receive statements so you have a record of
your transactions (if you make no transactions during a
statement period you won’t receive a statement)
–– you can also view your account balance and
transactions online
–– there are great security features – if you lose your card it
can be replaced for a fee
–– all the cards are valid for up to 4 years.
4
5
Westpac Express –
a great way to send
money overseas
Westpac Express is very simple to use. You
receive two cards – one you keep here in
New Zealand to load or deposit money onto,
and the other card is sent to a nominated
family member or friend overseas to access
the money.
With competitive exchange rates and low fees, you can load
money onto the card through in-branch deposits, online
banking or phone banking. Once you have loaded money
onto the card it will usually be accessible the next day for the
person with the other card to withdraw.
WESTPAC EXPRESS
4000 1234 5678 9010
MONTH/YEAR
VALID
THRU
12/12
INTERNATIONAL
PREPAID
WESTPAC EXPRESS
LOADCARD
4000 1234 5678 9010
MONTH/YEAR
VALID
THRU
12/12
NEW ZEALAND
PREPAID
The money can be accessed by the nominated family member
or friend using their card at overseas ATMs if they want
to withdraw cash. Or they can use the card to buy things
wherever Visa is accepted. The best place to withdraw cash
is from Westpac, or Global Alliance ATMs, as fees may be
charged when another bank’s ATM is used. Details about the
ATM Global Alliance are on page 9.
6
With Westpac Express
–– y ou receive two cards – a New Zealand card for you to
keep here in NZ to make deposits on to the card, and an
International card to send overseas to your nominated
cardholder to use for transactions overseas
–– you will need to produce identification when you purchase
a card
–– y ou will need to provide the name and address of the
person you are sending the card to, who must be a
resident in another country
–– the International card PIN (personal identification number)
will be mailed by Westpac to the person you have named
at the address you have provided. The named person will
need to know the PIN to access money from ATMs
–– t he maximum balance of the card must not exceed
$9,999.99. In any consecutive 12 month period, the
combined total value of the transactions involving
payments must not exceed $9,999.99
–– you can only have one Westpac Express card in any
12 month period and only choose one person as the
named family member or friend to receive and use the
other card
–– you will need to ask Westpac to activate the International
card once you know the nominated cardholder has
received the card and PIN.
7
Westpac Travel –
a great travelling
companion
Westpac Travel can help you manage your
money and your budget while you’re away.
You simply load the card with the amount
you want to take and you’re off.
You can access your funds at over 1 million ATMs if you want
cash, or you can use your card at over 35 million merchants
where Visa is accepted. Your card is valid for up to four years
so you can keep any leftover money on the card for your next
trip. Westpac Travel gives you all the convenience and security
of the global Visa network while you’re away from home.
If your card is lost or stolen the maximum liability is $50.00
and you will not be held responsible for any unauthorised
transactions once you advise Westpac that your card has
been lost or stolen, provided you have not acted fraudulently,
negligently and have abided by the Pre Paid terms and
conditions.
You can load money on to your card at any time using online
banking, phone banking, at ATMs or in-branch deposits.
You can get a card quickly and easily at any Westpac branch
in New Zealand. All you need is suitable identification, such as
your passport – you could even pick up a card on your way to
the airport.
If you would prefer to use money directly from your everyday
account ask us about upgrading to a Debitplus Visa.
WESTPAC TRAVEL
4000 1234 5678 9010
MONTH/YEAR
VALID
THRU
12/12
PREPAID
With Westpac Travel
–– you can use your card at over 35 million merchants around
the world
–– access cash from over 1 million ATMs
–– purchasing and loading money onto your card is quick
and easy.
Remember: A Prepaid card makes your travel safer by reducing the amount of cash you are holding.
However to ensure your trip is as safe as possible, please talk to us about Travel Insurance or ensure you
have comprehensive cover for the duration of your travel.
8
ATM Global Alliance
Get your cash from an ATM belonging to one of the ATM
Global Alliance banks, and you’ll pay no international
transaction fee* – saving you up to NZ $3 every time. Westpac
is the only bank in New Zealand to give you this saving.
Just look for an ATM belonging to one of these ATM Global
Alliance banks in their respective countries.
Bank
Countries where Bank’s
ATMs are located...
Australia and the Pacific
More than 1,600 ATMs throughout
Australia. ATMs are also located
in Fiji, Vanuatu, the Cook Islands,
Samoa, Tonga, Papua New Guinea
and the Solomon Islands.
United States of America
More than 16,000 ATMs
throughout the USA.
England, Wales, Scotland and
Northern Ireland
More than 3,000 ATMs throughout
the United Kingdom, and 200
throughout Africa (Barclays South
Africa not included).
Canada, Caribbean, Chile and
Mexico
More than 2,700 machines across
Canada, 350 ATMs across the
Caribbean, 115 ATMs in Chile
and over 1,000 ATMs throughout
Mexico.
France
More than 3,000 ATMs throughout
France.
Europe
More than 2,300 ATMs throughout
Germany, Poland, Spain and Italy.
South Africa
More than 8,000 ATMs throughout
South Africa.
*The $3 international transaction fee saving applies to Westpac cards only, and is
subject to change. All other international and standard fees apply including foreign
currency conversion fees – refer to the ‘Transaction & Service Fees’ brochure available
from any Westpac branch, or visit www.westpac.co.nz for more information. ATM Global
Alliance banks and details are subject to change.
9
Westpac Prepaid
Westpac Prepaid – the freedom to buy online,
over the phone and around the world
WESTPAC PREPAID
4000 1234 5678 9010
MONTH/YEAR
VALID
THRU
12/12
PREPAID
Westpac Prepaid gives you all the convenience of a credit
card, but without the debt. This means you can buy things
over the internet, over the phone and around the world using
the money loaded onto your card.
A Prepaid card can also help you manage your budget, as the
amount you can spend is limited by the amount you decide to
load onto your card. It’s a great way to help you control your
spending.
You can load money on to your card at any time using online
or phone banking, ATMs or even in-branch deposits.
With Westpac Prepaid
–– you can buy online or over the phone
–– you set money aside for a specific purpose, which helps to
manage your budget
–– load money on to your card easily with phone, online, ATM
or in branch deposits.
If you would prefer to use money directly from your everyday
account ask us about upgrading to a Debitplus Visa.
10
Applying for a card
You need to be a NZ Resident or have a valid
Work Permit or Student Visa to apply for
Westpac Prepaid cards.
Applying for a card is very easy, simply
visit any Westpac branch and bring
Identification
If you’re 18 or older you must bring verification of identity.
Please refer to Westpac’s list of acceptable documentation
available at www.westpac.co.nz/AML.
For Westpac Express you will also need to bring the name
and address of the person you intend to send the International
card to.
If you’re between the ages of 13 to 17, in addition to the above
you’ll need a parent or guardian to sign your application form
as well.
Address Details
You’ll need to bring in proof of your own address. Please refer
to Westpac’s list of acceptable documentation available at
www.westpac.co.nz/AML.
If you’re applying for an Express card, we’ll need the full name
and address of the person you intend to send the International
card to.
First Deposit
There is a minimum deposit (load) of $50.00.
11
How your card works
Westpac Prepaid cards are easy to use.
–– Y
ou simply purchase a card and deposit the amount of
money you want onto the card.
–– You then have up to three years to spend the money.
–– A
t any time you can top up your card with additional funds
using online or phone banking, ATMs or even in branch
deposits.
–– Y
ou can use the card online or overseas, anywhere in the
world that Visa is accepted.
–– If you have a Westpac Travel or Prepaid card, you can also
use your card at ATMs or merchants in NZ.
–– When using the card at NZ merchants you need to select
the Credit button.
Safety with Westpac Prepaid Cards.
–– If your card is lost or stolen the maximum is $50.00.
–– You will not be held responsible for any unauthorised
transactions once you advise Westpac that your card
has been lost or stolen, provided you have not acted
fraudulently, negligently and have abided by the Prepaid
Cards terms and conditions.
12
What do the
cards cost?
Description
Charge
Purchase fee
This includes the load
fee of $3 for the initial
load made that day
Express Card
Travel Card
Prepaid Card
Loading fee
Electronic
transactions include
Phone Banking,
Bill payments and
Online Banking
Manual transactions
include ATM and
Branch transactions
Express Card
Travel Card
Prepaid Card
Replacement card fee
(if your card is
lost or damaged)
$20.00
Currency conversion
fee
2.5% (this is added to all overseas
transactions including online
purchases)
ATM withdrawal
in NZ
No fee if you use a Westpac ATM
Using your Prepaid
Card for cash
withdrawals overseas
(branch or ATM)
$3.00 (unless you use a Global
Alliance ATM, which has no
withdrawal fee)
Copy of statement
$5.00 via fax, post or email
Copy of sales
vouchers
$60 per hour (minimum $20)
Branch withdrawal in
New Zealand
No fee if you use a Westpac branch
$8.00
$20.00
$20.00
ElectronicManual
Free
$3.00
$1.00
$3.00
$1.00
$3.00
$1.00 if you use a non-Westpac ATM
$2.00 if you use a non-Westpac
branch
13
The information in this brochure is current as at 1 February 2017 and may vary from time
to time. Terms, conditions, fees and charges apply to Westpac Prepaid cards. For more
details visit www.westpac.co.nz. Westpac Prepaid Cards Conditions of Use and Westpac’s
General Terms and Conditions apply. You can get a copy of the current disclosure
statement for Westpac New Zealand Limited from any Westpac branch in New Zealand
free of charge.
Westpac New Zealand Limited.
16
72742WP-7 02-17