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Visa Debit Card

  • How much is Government Duty on a Visa Debit/ATM Card?

    Government Stamp Duty (GSD) on Visa Debit and ATM cards is charged retrospectively in January each year for each cash withdrawal made from an ATM / LATM within the Republic of Ireland in the preceding year at a rate of €0.12 per withdrawal capped at a maximum of €2.50 per ATM (cash) card or Visa Debit (combined) card where only the ATM function is used, or €5 per Visa Debit (combined) card where both ATM and "Point of Sale" functions are used.

    Account Type Card Type Functionality Used Charge Statement Narrative
    Current Visa Debit POS and ATM €0.12 for each cash withdrawal from an ATM in the State subject to a maximum charge of €5.00 per annum GOVT DUTY ATM/POS
    Current Visa Debit POS only €0 N/A
    Current Visa Debit ATM only €0.12 for each cash withdrawal from an ATM in the State subject to a maximum charge of €2.50 per annum GOVT DUTY ATM
    Current/Deposit ATM ATM only €0.12 for each cash withdrawal from an ATM in the State subject to a maximum charge of €2.50 per annum GOVT DUTY ATM
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  • How long will it take for me to receive my new or replacement Visa Debit card?

    You will receive your replacement debit card within 5 to 7 working days of ordering it.

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  • Where can I activate my Visa Debit Card?

    You should activate your card as soon as you receive it. You can activate your card by carrying out a transaction at any chip and pin ATM.

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  • What is Verified by Visa?

    Verified by Visa is a fraud prevention system that protects you from unauthorised online use of your Visa Debit card.

    Verified by Visa works like Chip and PIN. When you register, you create a ‘Verified by Visa’ password that you keep secret, like your PIN. When you purchase goods or services online, you will be asked for your Verified by Visa password to authorise the transaction and confirm that the card is yours.

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  • What is the Cross Border Handling Fee that I will be charged if I use my Debit Card abroad?
    In Euro within EU and EEA All other transactions (cross-border handling charges)
    Visa Debit (ATM) Current account transaction fee applies 3.5% of transaction value. Minimum €3.17, Maximum €11.43 per transaction
    Visa Debit (Point of Sale) Current account transaction fee applies 2% of transaction value. Maximum €11.43 per transaction
    Visa Debit Contactless (Point of Sale) Current account transaction fee applies 2% of transaction value. Maximum €11.43 per transaction

    A cross-border handling fee can apply if you use your Visa Debit Card outside of the Eurozone, this will include the UK and Northern Ireland. The fee varies depending on how the card is used. There is no fee for using your Visa Debit Card in a Bank of Ireland or Post Office ATM in Northern Ireland or the UK.

    You will be charged a cross-border handling fee if you use any other ATMs (3.5% of transaction value, minimum of €3.17/maximum €11.43 per transaction). All point of sale purchases incur a fee of 2% of transaction value, and are limited to a maximum fee of €11.43 per transaction

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  • What is the difference between a Debit card and a regular ATM card?

    A Debit Card, besides providing ATM access, enables you to purchase goods and services in store or online. You can also get cashback of up to €100 at participating retailers (assuming availability of funds in your account).

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  • What are the benefits of Visa Debit?

    Visa Debit is accepted worldwide and can be used to purchase goods and services online. It also offers greater protection against fraudulent use.

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  • Where can I use Visa Debit?

    Visa debit is accepted worldwide across 200 countries wherever you see the Visa logo.

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  • What is a Point of Sale (POS) transaction?

    A Point of Sale transaction occurs when you use your Visa Debit card to purchase goods or services at any retail outlet that facilitates card payments.

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  • What is a Debit card?

    A Debit Card gives you access to ATM's and enables you to purchase goods and services in store or online. You can also get cashback of up to €100 at participating retailers (if you have enough funds in your account).

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  • What is Cashback?

    Cashback enables you to purchase goods and withdraw up to €100 from your current account in the same transaction. You are not charged a withdrawal fee, which means you pay only 10 cent for purchasing goods and withdrawing cash.

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  • How does Visa Debit offer me more protection?

    Visa Debit provides higher protection levels, especially when used with Verified by Visa. It also guarantees full refund for any goods or services ordered online but not received.

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  • What happens if the retailer does not use Chip and PIN abroad?

    If Chip and Pin is unavailable, you will need to provide your signature instead.

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