ASB Virtual

ASB Virtual is a digital version of your existing ASB Visa card and is loaded in your ASB Mobile app. So instead of pulling out your card to pay, you can now use your compatible Android phone wherever payWave is accepted.

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Benefits at a glance

  • It's convenient – no more searching for your card
  • Thousands of retailers accept ASB Virtual – just look out for the Visa payWave symbol, or ask in store
  • Control the features of ASB Virtual, including turning it on or off, through the ASB Mobile app
  • Your ASB Virtual PIN will be the same as your physical Visa card

How ASB Virtual works

Making a payment

The first ASB Virtual card you add will become your 'Always on' card. This will be the card you pay from. You can change your ‘Always on’ card, and the features of ASB Virtual through Card Control.

Step one

Once you have added an ASB Virtual card to the ASB Mobile app, your phone screen just needs to be lit to make a payment.

Step two

Hold your phone over the payWave-enabled terminal. Your phone will vibrate so you know it has connected to the terminal.

Step three

The terminal screen will show when your payment is complete.

It works just like your contactless ASB Visa Debit and ASB Visa credit cards, and you’ll still be prompted to enter your PIN for transactions over $80. Your ASB Virtual PIN will be the same as your physical card PIN.


To use ASB Virtual you must have NFC (Near Field Communication) enabled on your compatible Android phone. If NFC is not enabled a message will appear during set up. Just follow the prompts to enable it. Make sure you have the latest version of the ASB Mobile app.

Not sure if your Android phone is compatible for ASB Virtual? Check here.

It’s easy, get started today

Log in

01. Log in

Log in to the ASB Mobile app from your Android phone. Tap the main menu button in the top left-hand corner and click 'Cards'.

Choose card

02. Choose card

Choose the ASB card you want.

Add ASB Virtual

03. Add ASB Virtual

Tap 'Add ASB Virtual' and stay on the same screen until you receive a success message.

Start using

04. Start using

Start paying with your Android phone wherever payWave is accepted.

Apply for an ASB Credit Card

Apply online

Ready for the next step? Get started today.

Apply online

Visit a branch

Visit us at one of our many branches across New Zealand.

Find a branch

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ASB Mobile app

Keep an eye on your transactions and pay your bills on the go with the ASB Mobile app. It's fast, safe and easy. If you don't already have it, download it and set it up today.

ASB Card Control

With ASB Card Control you call the shots from your mobile phone. Put a temporary lock on your card, set a spending limit, turn off ATM cash withdrawals and much more. And the great thing is, everything happens instantly.

We're here to help you 24/7