Important information about Card Control

What transactions will always be approved regardless of any setting that I have applied with ASB Card Control?

There are a few scenarios where a setting will not be applied to a transaction.
Regardless of a setting that you've applied to your card with ASB Card Control, we will not decline the following:

• Recurring transactions set up on your card (e.g. direct debits).
• Transactions made over the phone, or a mail order purchase (unless a temporary lock has been applied).
• Transactions made at an ASB branch (apart from an ASB ATM), ASB phone banking, online or mobile banking (including transfers from your card to other accounts) and bill payments.
• Transactions processed when there is a system interruption (unless a temporary lock has been applied).
• Transactions that we reasonably consider should be allowed for your convenience.

Are there any exceptions to the settings I apply with ASB Card Control?

In some exceptional situations, a transaction may still be approved, even if a feature has been turned off with ASB Card Control.

We rely on merchants/financial institutions to provide us with specific information about transactions that they process, which allows us to determine whether it matches any settings you may have applied to your card. If they supply us with incorrect information, then a transaction may still go through, even if you've changed your settings. For example: If you turn off “in store international transactions” using ASB Card Control, but the merchant incorrectly processes it as an “online transaction”, the transaction will still go through.

Some transactions are not sent to ASB immediately for authorisation, in these situations it is important to know that your settings may not apply. For example: Some merchants process contactless transactions offline, which means we will be unable to stop Visa payWave transactions from being accepted, even if you have turned off that feature.

We rely on computer and telecommunication systems. Disruptions to these systems may result in ASB Card Control settings being unavailable from time to time.

If I apply a temporary lock on my ASB Visa card with ASB Card Control, will every transaction be declined on that card?

All transactions will be declined on an ASB Visa card if a temporary lock has been applied, except for the situations outlined in the questions above.

If I turn a feature off on my card with ASB Card Control, will it affect any other cards accessing the same account?

No. The features of your ASB Visa card that you turn on and off, will only apply to the card where the control has been set. For example, if you turn off a feature your ASB Visa Debit Apple Pay, your ASB Visa Debit card will not be affected.

If I have dual access and access my transaction account from my credit card, and I turn a feature off on my card with ASB Card Control, will it only affect my credit card account?

No. If you turn a feature off on an ASB Visa card that has dual access, it will apply to all accounts that are accessible on that card. For example: If you temporarily lock your ASB Visa card with dual access, your card will not be able to be used for any transaction (including from a transactional or savings account linked to that card).

If I turn a feature on or off in ASB Card Control, how long will it take to update?

Your card settings will be updated immediately, in real time. You can turn a feature on or off whenever you like.

What happens if my settings don't update immediately?

Normally, your card settings will be updated immediately, in real time. However, ASB Card Control is reliant on computer and telecommunication systems. Disruptions to these systems may result in ASB Card Control settings not being updated immediately from time to time. Your settings will be updated as soon as the disruption is resolved.

What happens to pre-authorisations (for example at a petrol pump) if I have set a spending limit? These transactions may be declined if the amount is over the amount you set as a spending limit on your card.

What if I want to use a feature of my ASB Visa card, which I have turned off with ASB Card Control, but don't have access to the mobile banking app?

You can get in touch with us on 0800 803 804 (or on +64 9 306 3000 if overseas) or by coming into any ASB branch, to turn on any features that you have turned off with ASB Card Control.

Can I update an additional or joint cardholder's ASB Visa card?

No. You only have access to change the features of your own card. You are unable to change the settings of a joint or additional cardholder.