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Using my card

Using my card

Peace of mind

As long as you keep your card safe and don’t share personal information with others, such as your PIN, you won’t be held responsible for transactions made on your card by someone else. At Bendigo Bank, we do everything we can to help prevent fraud, and have the following precautions in place to protect you and your money.

Daily transaction limits

To reduce risk of fraudulent activity, all cards carry daily transaction limits. These include:

Default maximum daily withdrawal limit applied per card for ATM cash withdrawals is $1000 – cheque/savings is to be selected.
Purchases completed by selecting Credit, Debit Mastercard® or Visa Debit are limited to the balance of the account or available credit.
Additional limits or restrictions on the value or volume of transactions may be applied by the merchant or for certain card types.

Contactless card technology

Embedded within all debit and credit cards is a chip containing secure encryption technology designed to meet global security standards and prevent the likelihood of fake or counterfeit cards being produced.

Contactless card technology enables you to complete fast and secure transactions for purchases.

  • Your transaction is completed within seconds, no need to insert or swipe your card.
  • No accidental transactions - your card must be held within 4cm of the card reader for more than half a second for a transaction to occur.
  • Your card remains in your possession throughout the transaction, so you retain control.
  • A unique code is transmitted with each purchase, preventing the chance of fraudsters replicating a transaction.
  • You will not be held liable for any transactions performed without your permission, as long as you take reasonable care when using your card.

Regular payments

Regular payments on your card can be a better option than direct debits straight from your bank account. They’re usually set up between yourself and a merchant for payments for services such as subscriptions, gas or electricity, or purchases that you intend to pay off over an agreed amount of time such as buying a mobile phone on contract.

They’re a great way of helping you manage your bills. Not only do they lower the chances of missing a payment. If an amount is taken without your consent then you can dispute the charge using our dispute a transaction process.

For more information on the different types of regular or recurring payments click here.

Things you should know

Terms, conditions, fees and charges apply. All information is correct as at 30 September 2020 and is subject to change. Full details available on application. Credit criteria apply. Interest rate and annual fee current at 30 September 2020. Rates and fees are subject to change. Credit provided by Bendigo and Adelaide Bank Limited ABN 11 068 049 178 Australian Credit Licence 237879.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.
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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

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