Anyone over the age of 10 can get a card at any PostShop. You must be able to provide identification.
You can have one Loaded for Christmas card per person.
Yes, you must set-up an automatic payment to regularly deposit money into the card.
Yes, see Fees and Limits.
No, the card doesn't have your name on it but you must still sign the back of the card.
Yes, you must be age 10 and over and provide identification to purchase a Loaded for Christmas card.
Your card will be activated and ready to start saving as soon as you pick it up.
Yes, you can select your own PIN when you set up the card and change you PIN online, via our automated phone service and at PostShops.
A substitute card number allows you to give a number to another person so they can load your card for you, without having to give them your 16 digit card number. It's a security measure for you to use if you want.
To make sure you don't dip into your money before Christmas we lock the card until 19th November, when you can start shopping. The card is re-locked on the 14th January, so you can start saving again.
You can use your card at EFTPOS for in-store purchases, online, over the phone, via mail order and at ATMS to access cash anywhere that accepts Visa. Your card works overseas as well as all around New Zealand.
You'll set up an automatic payment to the card and you can also top-up at PostShops and through your Internet Banking.
No, the benefit of Loaded for Christmas is that you can only use the funds between 19th November and 14th January so you aren't tempted to spend before Christmas arrives.
Always press 'credit' at ATMs in New Zealand and when overseas.
Always press 'credit' at EFTPOS in New Zealand and when overseas.
No, using the credit button means you can't get cash out with your purchase.
You'll need to enter your card number and CVV2 number if required. If you are asked to enter the name on your card please use 'Loaded for Christmas'.
You should let us know immediately so we can stop the card and arrange a replacement. Call us on 0800 367 247 or +64 4 471 0223 when overseas.
Some merchants may check that you have funds in the card before you pay the final bill (e.g. car rentals, hotels). This is called an authorisation. Authorisations hold funds against your account and will reduce your available balance. These holds are for up to five days.
Any card authorisations that are holding funds (up to 5 days) against your card can be seen online and are also provided via our automated phone service.
You can change your PIN, obtain an account balance and the last 10 transactions including card authorisations.
Yes, but only a few! Your Loaded for Christmas card can't be used for:
No, but you do stand to win a monthly prize draw and enjoy special offers at Bonus Partner retailers.
Your card is renewed every three years when we'll send you a new card with the same card number.
Maximum daily load is $9,500.
Maximum over 12 month period is $10,000.
ATM withdrawal limit is $2500 per day.
Maximum spend per day $5000.
Maximum balance is $10,000.
Yes, all funds on the card are refundable. However, if a manual refund is required (e.g. during period when the card is locked) a manual refund fee will apply.
It is 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.
We won't send you a paper statement. You can see your transactions and export it yourself online. You should always view your transactions before closing your card.
No, online access relates to the servicing of your Christmas card only. Make sure you let Kiwibank know if you need to change your general banking information.
Online, via our automated phone service and by TXT messages.
Yes, your transaction information is available at My Account, via our TXT messages and automated phone services.
You will be asked to enter your Date of Birth (DOB), card number and CVV2 number when you first logon. You will be prompted to change your password and enter a user code for future access.
Yes, you can dispute a transaction on your Loaded for Christmas card that you think is incorrect or unfair. See Disputed transactions.
Loaded Cards are distributed by New Zealand Post Limited and are issued by Kiwibank Limited. Kiwibank's Disclosure Statement is available from your local Kiwibank or at www.kiwibank.co.nz