If you load money onto your card at any National Bank branch you can use it immediately. If you use an online bill pay to load your card, it may take two working days to show in your account.

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Yes. Transactions between iCash cards appear on your account immediately.
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You can use it at any retailer in New Zealand or overseas that accepts MasterCard® electronically (it won't work with the old manual 'zip zap' machines). You can use it online, over the phone, in our branches, and wherever there is an EFTPOS terminal. You can also use it at ATMs in New Zealand and overseas. Currency conversion fees apply for cash transactions made outside New Zealand.

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Yes. You can withdraw money over the counter at any National Bank branch.
If you can't get to a branch, you can withdraw cash from an ATM . The fee for all cash withdrawals is $3.*

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You can check your balance by:
- logging in
- calling 0800 75 73 72 (option 1)
- coming into your nearest National Bank branch, or
- text request (see below).

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The easiest way to view your transactions is by logging in. Then all you need to do is enter the date range you'd like your statement for (30, 60 or 90 days). You can also request your last ten transactions by calling 0800 75 73 72 (option 1).

Paper statements are available on request by visiting any National Bank branch.

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You can set up regular text alerts to let you know:
- when your balance goes below a set amount
- your balance at a set time (e.g. daily, weekly, monthly)
- when you have reloaded your card

Before you set up regular text alerts, you'll need to register your mobile phone number. You can register your mobile phone number and set up (or turn off) regular text alerts online by logging in, by calling 0800 75 73 72 (option 0) or at any National Bank branch. Fees apply.

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You can also make one-off text requests by sending us a text from your mobile phone. To do so, you need to register your mobile phone number online by logging in, by calling 0800 75 73 72 (option 0), or at any National Bank branch.

To make a one-off text request from overseas, follow the instructions above and send your text to +61 4 10437651. International SMS fees may be applied by your mobile phone provider.

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Yes. You can add one additional cardholder, but they'll need to be aged 16 years or older. We'll need to see their ID, so they do have to visit a National Bank branch within 30 days of the application. A monthly fee applies.

Your additional cardholder will have a separate card number and Secure Access Code. They'll also need to activate their card and set up a PIN before they can use it.

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No. You can set up an additional cardholder at any time.

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Yes, you can set spend and withdrawal limits, and you can limit the types of transaction each card is used for (e.g. you can specify no ATM withdrawals). Log in to change these settings online, or call 0800 75 73 72 (option 0) or visit any National Bank branch and we'll be happy to help.

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If you've misplaced your card but think you may find it, you can ask us to put on a temporary block that will stop someone else from using it. When your card is locked, you'll be unable to access the funds on your account. If you need to access your funds, you'll need to unlock your card, or cancel it and order a new one.

You can lock and unlock your card:
. online by logging in
. by text request
. by calling 0800 75 73 72 (option 1, or +64 4 803 3023 from overseas)
. at your nearest National Bank branch.

Please note: If you want to lock both your primary and additional card, you and your additional card holder will need to login and lock each card individually.

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Call 0800 75 73 72 (option 0, or +64 4 803 3023 from overseas) or come in to the nearest National Bank branch and let us know right away. We'll cancel the card immediately and order you a new one.

You'll need to set a new PIN and activate your card, and we'll transfer any funds from your old card. Just remember to change over any ongoing transactions that use the old card number. A replacement card fee may apply.

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If your card is broken or doesn't work, call 0800 75 73 72 (option 0), or visit your nearest National Bank branch and we'll take care of it for you. Fees may apply.

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Call 0800 75 73 72 (option 0) or come into any National Bank branch and let us know. If you prefer, you can log in and update your email or mobile number online.

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You can log in and change your password online, by calling 0800 75 73 72 (option 1), or by visiting any National Bank branch.

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