FAQs - Rabobank Debit Card

Rabobank offers a Debit Mastercard® linked to your All In One Account. Card services are not available for Rabobank Online Savings products.

You can request a Rabobank Debit Card when completing the Account Operating Authority (AOA) form as part of your All In One Account application.

If your account is already open, authorised persons on the account can request a Rabobank Debit Card by contacting Client Services via the Rabobank Agribusiness NZ app or by phone.

If you are not currently an Authorised Signatory and would like a Debit Card, please have an authorised person contact their Rural Manager to assist with this request.

You can update your mobile / email address via Rabobank Internet Banking. To change your address, please Contact our Client Services team via the Rabobank Agribusiness NZ app or by phone.

Keeping your contact details up to date helps ensure you receive replacement cards, important account notifications and one-time passcodes for online card transactions.

If your card has expired, you should dispose of it securely to help protect both your personal and card information.

Before discarding the card:

• Cut through the chip and magnetic stripe.
• Cut through any personal details printed on the card, including your name and card number.
• Dispose of the card securely with your household waste.

Taking these steps helps prevent your card information from being accessed or misused after the card has expired.

Yes, you can link more than one eligible account to your Rabobank Debit Card, provided you have the required authority on those accounts.

To add an account to your card or change how your accounts are mapped (e.g. to CHQ or SAV), please Contact Us via the Rabobank Agribusiness NZ app or by phone.

Note: If using the Fast Cash option at an ATM, or tapping your card using PayWave, the default account will be the Cheque account.  If a second account is linked to your card, you will be able to choose which account to access for Fast Cash option at an ATM. We are unable to change use of CHQ as the default account for PayWave.

Fees may apply when using your card depending on the type of transaction and where the card is used.

Examples of transactions that may incur fees include:

1. Using your card overseas

You can use your card anywhere the Mastercard® logo is accepted worldwide. However:

• Transactions made in a foreign currency may be subject to a Mastercard® currency conversion fee.
• ATM cash withdrawal and balance enquiry fees may apply when using your card overseas.
• Some overseas ATM operators may also charge their own fees, which are generally disclosed before the transaction is completed. Any such fees are determined by the ATM operator and are separate from Rabobank's fees.

2. Merchant surcharges

• Some merchants may apply a surcharge for card payments. This may be a fixed fee or a percentage of the transaction amount and must be disclosed before you complete the purchase.

3. Specialised ATM Hubs

• ATM operators may charge additional fees for withdrawals or balance enquiries at certain ATMs, including specialised ATM hubs. Any such fees are determined by the ATM operator and are separate from Rabobank's fees.

Fees and charges are subject to change. For full details, please refer to the Agribusiness Fee Schedule.

To activate your card:

1. Have your physical card ready.
2. Log in to Rabobank Internet Banking or the Rabobank Agribusiness NZ app.
3. Select Cards from the menu, then Activate card and follow the prompts. You will receive an on-screen confirmation, and the card status will update to Active. 

If you are not yet registered for Rabobank Internet Banking or need help, Contact Us via the Rabobank Agribusiness NZ app or by phone.

You have 180 days from the card issue date to activate your card.

If your card is not activated within this timeframe, it will be cancelled for security purposes and you will need to request a new card.

We will send activation reminders after approximately 45 days, 90 days, and 166 days if your card has not yet been activated.

Please note: A $5 replacement card fee may apply if your original card is not activated within 180 days and a new card must be issued.

For more information about the fees, please refer to the Agribusiness Fee Schedule.

If you activate your card through Rabobank Internet Banking or the Rabobank Agribusiness NZ app, you can use your card as soon as you receive the Card activated confirmation.

If you activate your card through a phone call to Client Services, you can use your card within 4 hours.

If you need help, Contact Us via the Rabobank Agribusiness NZ App or by phone.

A system-generated PIN will be provided to you.

After activating your card, you can choose to either:

• Set your own PIN through Rabobank Internet Banking or Rabobank Agribusiness NZ app, after navigating to the Cards menu. Any PIN you set will replace the PIN provided, or
• Use the system-generated PIN provided.

Please note:

• To set your own PIN online, you must be registered for our Internet Banking services (Rabobank Internet Banking and Rabobank Agribusiness NZ app).
• If you are not registered for our Internet Banking services, clients with relevant authority can contact their Rural Manager or Client Services to get started. In the meantime, you can change your PIN by visiting any Westpac branch.
• You will not see the PIN self-service option on internet or mobile banking if your card was issued before 16 April 2024. You will need to visit a Westpac branch to change your PIN. When you receive your next replacement card, you will be able to use PIN self-service through internet or mobile banking.

1. Log in to Rabobank Internet Banking or the Rabobank Agribusiness NZ app.
2. Select Cards from the menu, then Change card PIN and follow the prompts. You will receive an on-screen confirmation of PIN change.

Alternatively, you can change your PIN at any Westpac branch. You will need to present your debit card along with photo ID.

If your card is blocked or has not yet been activated, you will not be able to set or change your card PIN through Rabobank Internet Banking or the Rabobank Agribusiness NZ app.

To use the self-service PIN feature, activate your card online or unblock your card. This will allow you to update your PIN online.

If your card was issued before 16 April 2024, PIN self-service is not available for that card type. You will need to visit a Westpac branch to change your PIN. When you receive your next replacement card, you will be able to use PIN self-service through internet or mobile banking

Yes. For security reasons, PIN change requests are limited to a certain number of attempts per day. If you exceed the daily limit, you will receive an error message and can try again the following day.

If you need help to reset your PIN, please Contact Us via the Rabobank Agribusiness NZ app or by phone.

You can make contactless purchases of up to $200 in New Zealand without entering your PIN.

• For purchases over $200, you must enter your PIN.
• You must also enter your PIN when using an ATM, or swiping or inserting your card at an EFTPOS terminal.

In New Zealand:

• Dependant on accounts loaded against your card, select ‘Cheque’ or ‘Savings’ when making a purchase or withdrawing cash from an ATM. Contactless payments of up to $200 (PayWave) will always debit the cheque account loaded against your card. Please note that some merchants may charge a surcharge for contactless payments.

Outside of New Zealand:

• See ‘Can I use my card overseas'

Yes, you can use your card anywhere in the world where the Mastercard® logo is displayed, including at ATMs and merchant payment terminals. If you're planning to travel overseas, we recommend contacting us before you leave.

When using your card overseas:

• Press ‘Credit’ when purchasing or withdrawing cash from ATMs or ‘Tap’ your card for contactless payments at participating stores.
• Although you press ‘Credit’ your current All in One account will be debited and the transactions recorded on your statement.
• ATM cash withdrawal and balance enquiry fees may apply.
• Transactions made in a foreign currency may be subject to a foreign currency conversion fee.
• Some overseas ATM operators may also charge their own fees, which will generally be disclosed before the transaction is completed.

For full details of applicable fees, please refer to the Agribusiness Fee Schedule.

Your card is subject to a daily transaction limit of NZD $5,000 or the available balance across all accounts accessible on the card, whichever is lower.

When requesting your card, you can nominate a preferred daily limit of up to NZD $5,000 on the Account Operating Authority (AOA) form. If no limit is specified, a default daily transaction limit of NZD $5,000 will apply.

Contact Us via the Rabobank Agribusiness NZ app or by phone to request an increase or decrease to your card's daily transaction limit.

You can also contact your Rural Manager, or send a secure message via Rabobank Internet Banking.

If your card is lost or stolen, please block it immediately through Rabobank Agribusiness NZ app or Rabobank Internet Banking to help protect your account from unauthorised transactions, then inform Rabobank as soon as possible.

To report your debit card as lost or stolen, Contact Us via the Rabobank Agribusiness NZ app or by phone. If you are calling after business hours, please listen carefully to the recorded message prompts.

Taking fast action can help protect your account and minimise the risk of fraudulent use.

1. Log in to Rabobank Internet Banking or the Rabobank Agribusiness NZ app.
2. Select Cards from the menu, then Block card and follow the prompts.
3. You will receive an on-screen confirmation, and the card status will update to Blocked. If you need help, or are not registered for Internet Banking, Contact Us via the Rabobank Agribusiness NZ app or by phone.

If your card is not activated, you will not be able to block your card through Rabobank Internet Banking or the Rabobank Agribusiness NZ app.

Yes. If you originally blocked the card then you can unblock it later. To unblock your card:

1. Log in to Rabobank Internet Banking or the Rabobank Agribusiness NZ app.

2. Select Cards from the menu, then Unblock card and follow the prompts.

3. You will receive an on-screen confirmation, and the card status will update to Active.

If the block/unblock action failed, it may be due to a temporary technical issue. Please try again later.

If your card has been lost or stolen, Contact Us immediately via the Rabobank Agribusiness NZ app or by phone so Rabobank can cancel the card and help keep your account secure.

If you are calling after business hours, please listen carefully to the recorded message prompts.

Your card may be blocked if Rabobank has detected suspected fraudulent activity or identified an operational issue affecting your account. This is done to protect your funds.

If your card has been blocked unexpectedly, Rabobank can help investigate the issue and provide assistance, please Contact Us via the Rabobank Agribusiness NZ app or by phone.

Every Rabobank Debit Card is automatically enrolled in Mastercard® Identity Check.

Mastercard® Identity Check provides added protection against the unauthorised use of your card when shopping online with participating merchants.

When shopping online at merchants that support Mastercard® Identity Check:

• You may be sent a one-time passcode. The passcode will be sent by SMS or email depending on your preferences.
• Read the full message to ensure the merchant and payment amount matches what you are purchasing.
• The passcode must be entered on the verification page before the purchase can be completed.
• This helps confirm that the person making the purchase is the authorised cardholder.

Please note:

• Not all online retailers participate in Mastercard® Identity Check.
• If a retailer does not support these services, your purchase will be processed as a regular card transaction.

Access the Rabobank Debit Card Conditions of Use.

For some online purchases, you may be redirected to a Mastercard® or Rabobank transaction authorisation screen and asked to enter a one-time code sent to your registered mobile device or email.

This additional security step may occur for high-value purchases or when a transaction appears unusual based on your normal spending patterns. The passcode helps confirm your identity, protect your account from unauthorised use, and ensure that you are the authorised cardholder.

Once the correct code is entered, your purchase can proceed.

First, check the details displayed on the verification screen to confirm where the one-time passcode has been sent.

If the mobile number or email address shown is incorrect or out of date, you will need to update your contact details with Rabobank before selecting "Re-send Passcode".

Need to update your contact details?

You can update your mobile / email address via Rabobank Internet Banking. To change your address, please Contact our Client Services team via the Rabobank Agribusiness NZ app or by phone.

Keeping your contact details up to date helps ensure you receive replacement cards, important account notifications and one-time passcodes for online card transactions.

An online transaction may be declined for several reasons:

• You may have insufficient funds in your account. Check your account balances through Rabobank Internet Banking or the Rabobank Agribusiness NZ app.
• Additional verification may have been required through Mastercard® Identity Check, and the transaction could not be successfully authorised.
• Rabobank does not have a current mobile number or email address registered for you, preventing you from receiving the one-time passcode needed to complete the verification process.
• Your transaction may have been blocked by Mastercard® or internal Rabobank rules due to the high risk nature of the transaction.

If your transaction has been declined, please Contact Us via the Rabobank Agribusiness NZ app or by phone. Our team can assist with the transaction and update any details as required.

You are responsible for taking reasonable steps to keep your card and card details secure.

• Keep your card safe and do not share it with anyone.
• Protect your PIN by keeping it confidential and choosing a PIN that is difficult to guess.
• Cover your PIN when using ATMs or merchant terminals.
• Never share your card number, expiry date, CVV, one-time passcodes, or other security codes, even with the bank.
• Be cautious of unexpected emails, text messages, or phone calls requesting card or account information.
• When shopping online, only use trusted merchants and ensure websites are secure (look for "https://" and a padlock symbol).
• Keep records of your transactions and regularly check your account for any unauthorised activity. 
• Block your card online immediately or Contact Us via the Rabobank Agribusiness NZ app or by phone if your card is lost, stolen, or you suspect it has been compromised. We are available 24 hours a day 7 days a week, please call us and follow the prompts for assistance.

Following these simple security practices can help protect your account and reduce the risk of card fraud.

If you have not received your card within 10 business days, please Contact Us via the Rabobank Agribusiness NZ app or by phone.

We will investigate the status of your card and, if required, arrange for a replacement card to be issued. Replacement cards are typically delivered within 7 to 10 business days.

Please note: There is no replacement card fee if your card was not received.

Your replacement card will be automatically sent 60 days before your current card expires, using the address we have on file for you. Once dispatched, please allow 7 to 10 business days for delivery.

If you are unsure of your card's expiry date, you can find it printed on the front of your card.

To help avoid any delays, please ensure your mailing address is up to date with us. You can update your details by Contacting Us via the Rabobank Agribusiness NZ app or by phone.

To cancel your card, please Contact Us via the Rabobank Agribusiness NZ app or by phone.

A Rabobank team member will assist you with cancelling your card and discuss any replacement or account access options that may be required.

If your card is lost, stolen, damaged or you believe it has been compromised, please block it immediately online or Contact Us via the Rabobank Agribusiness NZ app or by phone to arrange a replacement.

If requested, a replacement card will typically be issued within 7 to 10 business days. If your current card is still functional, you can continue using it until your replacement card arrives.

Please note: A $5 replacement card fee may apply. The fee will not be charged if the card is being replaced because it was stolen, faulty, or not received.

If you believe a card transaction is incorrect, unauthorised, fraudulent, or relates to goods or services not received, you may be able to raise a transaction dispute with Rabobank. You must raise a dispute with us within 30 days after the statement period closing date.

For further details refer to our Rabobank Debit Card Conditions of Use.