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How do I activate a debit card?

Amy Last updated on March 18th, 2025

So you’ve got your new debit card, either as a replacement card or through opening a new account, the debit card will need to be activated.


Debit cards are usually sent to account holders through the post and for security they aren’t activated when mailed. If they were pre-activated, there would be a greater likelihood of the cards being stolen and used fraudulently. So when an account holder gets a new debit card, it is not active and will need to be activated prior to use.

There are usually two ways to activate a new debit card, either with the app or online.

To activate the debit card over the app, login as you would normally. Follow the instructions in the email or letter provided and your card should be ready to go!

In some cases there’s an automated procedure to activate the debit card. But most of the time the account holder will be expected to activate the debit card after talking to a customer services operator.

The other way to activate a new debit card is over the internet, via the bank’s normal online banking portal or platform. Like activating the card over the phone, the account holder must first be pre-authorised to use the bank’s website. If this is your first debit card, this can usually be done by registering online, creating a user account with a password, and entering the numbers printed on the debit card.

If the debit card user is pre-authorised, then using the internet has several advantages. It is quicker, requiring a few clicks, with no need to wait for an operator. It can also be done at any time of the day or night.

Requiring activation of debit cards before use protects both the bank and the account holder against fraud. It is a relatively simple procedure that can save everyone the pain and frustration of a compromised account.

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Questions & Answers for the How do I activate a debit card?

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  • Christine Lammermann

    April 11, 2024

    Forgive my stupid question, but where do I sign my new debit card in the back? On the black line or the white one next to the security number?

    • admin

      April 18, 2024

      Hi Christine, not stupid at all! 🙂 Anyhow, that should be on the white strip next to the security number.

  • Brian Michael Atkinson

    July 24, 2023

    I do not have the app, so how can I activate my Debit card, I am unable to carry this out by following you instructions, can you please do it for me?

    • admin

      July 25, 2023

      Hi Brian, thanks for your message. I strongly suggest reaching out to your card issuer directly to check the activation options available.

  • Barry w crossman

    June 14, 2023

    Activate debit card

    • admin

      June 14, 2023

      Hi Barry, to activate your debit card, you can follow the steps indicated in the letter that came together with your card. Or another option is to call the bank’s card activation number that’s usually found on a sticker on your debit card and then follow the prompts. If you’re unsure, you can give the card issuer a call directly for assistance.

  • Binu mpaul

    January 16, 2021

    My atm debit card activated?

    • admin

      January 21, 2021

      Hi Binu, you would need to contact your bank that have provided the debit card in order to activate the card.

  • Chris

    March 9, 2017

    Is there a time limit on activating my st George card as I won’t be able to get to a branch for a couple of weeks and I cannot hear on the phone thank you

    • admin

      March 13, 2017

      Hi Chris, I’m not sure if there is a time limit. As long as you have your activation code you should be able to do it online by visiting St.George’s website. Hope this helps.

  • Emily

    February 7, 2017

    I need to activate my new card

    • admin

      March 13, 2017

      Hi Emily, you need to call the bank or issuer of your debit card. Other option is to go into the bank branch to activate your new debit card. Hope that helps.

  • martin kitur

    January 31, 2017

    which is the CRN number in the ANZ debit card

    • admin

      March 13, 2017

      Hi Martin, your CRN or Customer Registration Number is the number that identifies you as an ANZ Internet Banking customer. This may be a nine digit number provided to you by an ANZ Customer Service Consultant. It may also be your 15 or 16 digit card number. Please note that your CRN is NOT your ANZ account number. If you have any troubles you can contact ANZ Internet helpdesk directly on 13 33 50. Hope this helps.

  • Matilda Mosby

    October 11, 2014

    I have been issued a new nab visa debit card and had signed and posted the form but one of the accounts (i have 2) 1 is a nab reward savers and the other is just a visa debit account under the 1 card i have been issued but its not activated. I have tried purchasing an item and using an atm to check the balance to activate it but to no avail. How can i activate it when i signed and posted the form off?

    • Amy

      October 14, 2014

      Hi Matilda, you might have to call or go into an NAB branch to activate your new debit card. Banks often have this step as an added security measure. The NAB customer service number is 13 22 65. Hope that helps.

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