Debit cards run off bank accounts. This means that they are reliant on the funds within the account, and if the funds are running low then there is the danger that the funds will not be sufficient for a transaction.
An expiration date, also known as an expiry date, is the date when the debit card will run out and not be able to be used again. After this time there should be a replacement that is sent. Expiration dates are a form of fraud prevention.
| Account name | Monthly Fee | VISA Debit | Account Details | ||
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ANZ Access Advantage | $5 | Yes | Unlimited access to ANZ ATMs, ANZ Phone and Internet Banking, Branch, Cheque and EFTPOS. The only time you’ll incur additional ANZ account fees is if you try to or do overdraw your account and/or transact overseas. | More Info |
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NAB Classic Banking | $5 | Yes | Full banking access, including: NAB Visa Debit, NAB branch deposits an withdrawals, Cheque book, Unlimited NAB electronic access. | More Info |
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NAB Gold Banking | $10 | Yes | NAB Visa Debit, NAB branch deposits an withdrawals, Cheque book, Unlimited NAB electronic access. Plus premium extras: Complimentary overseas travel insurance, 90 days Purchase Protection, Unlimited usage of most overseas non-NAB ATMs at no extra cost. | More Info |
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St.George Complete Freedom Account | $5 | Yes | Unlimited branch, cheque and electronic transactions, as well as a Visa Debit Card for 24/7 access to your money anywhere in the world. | More Info |
Debit cards are replaced at an increasing frequency. This can be quite frustrating for a debit card user, but there are good reasons for it.
Unicredit, the University Credit Society Ltd, is a university based credit provider that specialises in providing financial services to students and university staff. They have an innovative debit card that offers some of the features of a credit card but at a much lower overdraft rate.