No, the card is not embossed with your name but you must sign the signature strip.
The expiry date is shown on the front of the card.
You must be at least 10 and provide identification to purchase a travel card.
The chip on the front of the card is an additional security feature.
It’s the three digit number on the back of the card, next to the signature panel. Some merchants may request this number to complete a transaction.
This allows you to give a number to another person so they can load your card in a PostShop for you. They can't make purchases using this number. You keep your 16 digit card number private.
Your LoadedTM for Travel card will not be reissued once it expires. You can purchase a new card at any PostShop or online via Internet Banking if you are a Kiwibank customer.
You can ask for any unused amount on your card to be repaid in just the same way as if you were closing the card.
You can only have one LoadedTM for Travel card account. Your account has a card to use straight away and a second card for emergencies in case your first card is lost, stolen or retained by an ATM.
A card purchased at a PostShop is already activated. A card ordered online will be mailed and you must activate it by:
Yes, do this when you buy the card.
You automatically get a second LoadedTM for Travel card, in case one gets lost, stolen, damaged or retained in an ATM. You can start using the second card anytime. It accesses all of your money and your currency wallets, so you can continue shopping and paying for expenses with no inconvenience. Your second card has a different PIN which you select on purchase.
You can lock and unlock your card online or through our TXT service.
We don't send paper statements. You can see your transactions and history using our online service and print them yourself. You can also hear your last five transactions through our automated phone service. It’s a good idea to print your transactions before asking us to close your card account.
Yes, you can change your PIN online, via our automated phone service and at PostShops.
We recommend you load a wallet in the local currency of each of the places you're visiting (if it’s one of the 12 available currencies).
If you're spending money in a country we don't offer a currency for - or you don't have enough money in your local currency wallet, check the details.
There are 12 currencies.
No. You can load one currency or any number up to 12.
Each currency is loaded into a wallet on the card. If you have three currencies loaded, then you have three wallets stored on the card, and the NZD wallet that comes with the card.
Yes. As a Visa card, it can be used worldwide and the wallet currency order will apply.
If you're spending in a currency you've loaded, the amount of your purchase or ATM withdrawal will be deducted from the available balance. If you're spending in a currency that's not loaded or doesn’t have enough loaded for the transaction, the amount of your purchase or ATM withdrawal will be converted and deducted from the currency or currencies you have loaded, in a set order. For more details, see Fees and Limits.
If your card is mailed, you will receive a policy document in your card pack. Find out more.
We will normally decline a transaction if it exceeds your available balance in any wallet. If for any reason your available balance is exceeded you must pay us the amount exceeding the balance immediately.
You must immediately contact us if you become aware of funds wrongfully credited to your card. You must not spend those funds. You will be responsible to pay them back to us.
You can use your card overseas and in New Zealand. Because it's a Visa card, it can be used at over 1.8 million ATMs and is accepted by more than 29 million retailers globally. Use the card at ATMs, EFTPOS, online and over the phone.
But you may still find there are some places where you can’t use it, including:
If you have insufficient funds in a wallet, we'll complete the transaction by applying the set wallet currency order. We can only complete the transaction if the full amount is available in any one wallet.
If no wallet has enough funds to cover the transaction, it may be declined. So it's important to reload your card if funds are getting low. You can choose to receive an automatic TXT alert if your balance is low.
*if your LoadedTM for Travel card is not showing in your Kiwibank list of accounts please call us on 0800 TAKE FLIGHT(0800 825 335)
Always select 'Credit'.
Check your balance via TXT, online or our automated phone service. More about TXT, phone and online services.
If prompted for the card holdername, just enter your name.
Some retailers may check that you have funds in the card before you pay the final bill (e.g. card rentals, hotels). This is called an authorisation. If requested, authorisations hold funds against your account and will reduce your available balance. These holds are up to five days.
Let us know immediately so we can stop the card. You can start using your second card straight away.
Call us straight away and we'll cancel the cards and replace them for you.
There is the option to dispute a transaction. See disputing a transaction
No, this is not available.
Online at My Account (if internet access is available) or use our TXT service. If you're a Kiwibank customer you can also get your balance through internet banking. Note, an ATM balance may not give you an exact balance. Use My Account or TXT balance services where possible.
Go to My Account. You'll be asked to enter your date of birth (DOB), card number and CVV2 number when you first logon. You'll be prompted to change your password and enter a username for future access.
You will need your full 16 digit card number. You may be asked for the CVV2 security number. If prompted for the cardholder name, just enter your first name and your last name.
It’s the three digit security number on the back of the card, next to the signature panel. Some merchants may request this number to complete a transaction.
When you buy online at selected retailers, you may be prompted to enter some additional verification details (stuff you already know, but a fraudster couldn’t guess) - this is to stop anyone who isn’t you using your card to buy things online.
Call our support team for assistance on 0800 825 335 (NZ) or +64 4 471 0222 (overseas) for assistance.
No, online access relates to the servicing of your LoadedTM for Travel card only. Ensure that you let Kiwibank know if you need to change your general banking information.
You can change your PIN, activate your card, get an account balance and the last 10 transactions, and lock and unlock your second travel card.
You can use our TXT services in most countries around the world. To check if TXT is available click here and select the country. If the "SMS" column is ticked, then it is available on that network within that country.
Yes, your transactions and any card authorisations will be available to view online. You can also export your transaction history. Transactions are also available via TXT.
Ideally, you’ll only load your card with the money you actually need for your travels. But if you do get back and there’s still money left on your card, you can:
You don’t have to close your card, but there are fees if you haven’t used it for more than 12 months, see Fees and Limits. If you want to close your card, fill in a Loaded Card Closure/Refund Form, scan it and email it to enquiries@loadedcard.co.nz or fax it to (04) 472 3091.Or you can post it to Loaded Card, Private Bag 39 888 Wellington Mail Centre, Wellington 5045.
We’ll convert any remaining money back into NZD and deposit it into any New Zealand bank account you choose, less the $15 fee and any applicable fees. Any foreign exchange rates will be at the day the card is closed.
If you want us to close your account, it’s a good idea for you to first print off a transaction history because after it’s closed you won’t have access to any transaction records or statements.
Yes, see Fees and limits. All card fees will be charged in the relevant currency except the initial card purchase fee, in New Zealand dollars.
The foreign exchange rate is set by us and will be quoted to you before you load any funds. This way you know what you've paid for the currency before you travel.
Yes the foreign exchange rate at the time of the transaction will be applied.
Loaded™ for Travel cards are promoted by New Zealand Post Limited and issued by Kiwibank Limited. Kiwibank Limited’s Disclosure Statement is available from your local Kiwibank or at www.kiwibank.co.nz. Loaded™ for Travel cards are available to New Zealand residents only and may not be purchased by persons residing outside of New Zealand.
The Kiwibank “Loaded” names, logos and related trade marks and service marks are owned by Kiwibank Limited.
