FAQs

Anyone aged 10 and over can get a card at any PostShop or other Loaded Everyday card provider*. You must be able to provide identification. Click here for more information.

You can have two Loaded Everyday cards per card account. You both need to be present when you buy the second card and provide identification. Click here for more information. 

Yes, see the Fees page for more information.

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 or over and provide identification to obtain a Loaded Everyday card.

If you’ve picked up your card at a PostShop, it will be activated and ready to start using as soon you load it.

If you have a card from another Loaded Everyday outlet* or a replacement card (this includes customers with a Loaded card who are moving to a Loaded Everyday card), you’ll need to activate it first. Go to www.loadedeveryday.co.nz and click on “first time login” and follow the instructions. Or, call 0800 562333 and enter your phone PIN (this is your birth date-dd/mm, e.g. if you were born on the 4^th of January, you would enter 0401) to activate your card. Then press ‘4’ to choose your card PIN.

Yes, you can select your own PIN when you set up the card. You can also change your PIN online, via our automated phone service and at PostShops.

The substitute card number is printed on the back of your Loaded Everyday card. You can give this 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.

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 can load your Loaded Everyday card account with cash or EFTOPS at your local PostShop or Loaded Everyday card provider*; or through your internet banking. You can also set up an automatic payment to the card.

If someone else is loading your Loaded Everyday card for you, you should give them your substitute card number (which is printed on the back of your card). It's a security measure and means you don’t need to share your 16 digit card number. 

When it comes to loading your Loaded Everyday card electronically, you can either set Loaded Everyday up as a Bill Payee (if you’re a Kiwibank customer check out the specific information in the FAQ below) or set up an automatic payment from any New Zealand bank account. You can also make one off payments to transfer money from any New Zealand bank account directly onto your card.

To complete any of these actions, you’ll need the following details: 

• Account number - 38 9011 0223622 06
• Particulars - please enter the first 12 digits of your card number in this field with no spaces between the numbers
• Code - please enter the last 4 digits of your card number in this field
• Reference - please enter your surname in this field 

If your bank doesn't ask you to complete three separate fields (i.e. Particulars, Code and Reference) please enter your Loaded card number and the first four characters of your surname in the field provided. Please note: Weekend payments made after your banks cut off time on a Friday night will only be processed with Monday's overnight payments.

• Log in to Kiwibank internet banking
• Select the “Pay & Transfer” tab from the menu at the top
• Select the “Pay a bill” box
• Follow the step by step instructions entering Loaded Everyday in the search for biller field
• Tick the box to save LOADED EVERYDAY Card in your payee list so future payments are ready to go

If you load your card at a PostShop, the funds will be immediately available.

When you load your card from a bank account by internet banking, standard bank processing times apply. You can check your account balance on My Account, by text or through our automated phone service.

Always press 'credit' at ATMs both in New Zealand and when overseas.

Always press 'credit' at EFTPOS both in New Zealand and when overseas.

Cash is only available when using your Loaded Everyday card at banks or some hotels.

You'll need to enter your card number and CVV2 number if required. 

You should let us know immediately so we can stop the card and arrange a replacement. Call us on 0800 LOADED (562333) or +64 4 4605373 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 (up to around 15% of the purchase amount) against your account and will reduce your available balance. These holds are for up to five days.

Yes. You can use Loaded Everyday on these sites.

Any card authorisations that are holding funds (up to five 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.  Just follow the voice prompts. 

Your Loaded Everyday card doesn't work in "zip-zap" machines (manual imprinters).

Your Loaded Everyday Card can't be used for some taxis, for gambling and for some services where an online merchant requires that your identity be authenticated against details stored on your card.

No. Your Loaded Everyday account balance does not earn interest.

Your card is renewed every three years and we'll send you a new card with the same card number.

Click here for more information about limits.

Your card will be automatically closed if the card is in negative balance for longer than three months without any activity; or if the card has no activity for longer than six months and has a zero balance.

Loaded Everyday card fees are deducted from your card balance and can put your account into negative balance if there aren’t sufficient funds to cover the fees. Your account can also go into negative balance if a merchant processes a transaction after the card authorisation hold is released and the card balance isn't sufficient to cover the transaction.

Yes, all funds on the card are refundable.

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 them yourself online. You should always view your transactions before closing your card.

No, online access relates to the servicing of your Loaded Everyday 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. Click here for more information.

Yes, your transaction information is available at My Account, via TXT messages and automated phone services.

Click on First time login. 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.

Please note: If you attempt to login to My Account and are unsuccessful three times, you will be locked out you will need to call our Loaded Everyday card support team on 0800 LOADED (562333) to unlock this for you.

See TXT and phone services.

Yes, you can dispute a transaction on your Loaded Everyday card that you think is incorrect or unfair. See Disputed transactions.

Prezzy Card is a prepaid gift card that you can buy as a present for someone else (or for yourself). Prezzy Cards can only be loaded once, at the time of purchase.

A Loaded Everyday card is also a prepaid card but one that you would buy for your own personal use. Loaded Everyday cards can be reloaded (topped up) as often as you like.

A Loaded Everyday card is different from a debit card because it is not linked to a bank account and you do not need to have a bank account to have one. Debit cards are linked to a bank account so you must be a customer of a bank to get one. 

A Loaded Everyday card is different from a credit card because it's prepaid. This means you have to load funds onto your Loaded Everyday card before you can use it. With a credit card you are essentially borrowing the funds to make a purchase and you have to pay back the funds at a later date.

We are closing Loaded Cards and offering our customers the Loaded Everyday card.  The Loaded Everyday card has the same features as your Loaded card, plus some additional ones! There are changes to the fees and terms and conditions.

We will be sending you a letter outlining when your Loaded card will be closed and it will enclose a Loaded Everyday card should you wish to transfer to this card.

 You can either:

• Activate the Loaded Everyday card and we will transfer your balance across on the date outlined in your letter.
• Or to close your Loaded card please contact us to transfer any remaining balance to your bank account (we will waive the account closure fee). If you have no money on your Loaded card by the closure date, there is no need for you to contact us.

Some key features of the Loaded Everyday card are:

• You can check your balance and last transactions by text – from anywhere, any time. Plus set up text and email alerts. (Please note fees apply.)
• We’ve also reduced our phone service fees.
• The Loaded Everyday card has a chip for added security and greater acceptance.
• There is a monthly account fee ($1.50 per month) which replaces both the $10 Annual Fee and $1.00 Reload Fee. Please refer to the table below for more details on the fees.
• You can keep track of your spending using the new look My Account

Some more details about fees:

*Please note: this is not all Loaded Everyday card fees but just those where there is a difference compared to Loaded card fees. You will not be charged a Loaded Everyday Set-up fee ($18.50) as part of transferring you to a Loaded Everyday card.

• We will send you a letter over the next few months letting you know when your Loaded card will be closed and enclosing a Loaded Everyday card should you wish to transfer to this card.
• You’ll need to activate and PIN your card. Go to www.loadedeveryday.co.nz and click on “first time login”. Or, call 0800 562333 and enter your phone PIN (this is your birth date-dd/mm, e.g. if you were born on the 4^th of January, you would enter 0401) to activate your card. Then press ‘4’ to choose your card PIN.
• Once you have activated your new card we will transfer your balance to the new card on the date outlined in your letter.
• Up until that date you can continue to use your existing Loaded card to spend at Visa retailers or get cash out at an ATM.
• Update any Automatic Payments or Direct Debits going to or from your old Loaded card with your new Loaded Everyday card number.
• Review, save or print your Loaded card statements as these will not be available unless you call to request this information.
• Cut up your old Loaded card once your Loaded Everyday card is up and running.

• We will be closing your Loaded Card on the date outlined in the letter (we will be giving you at least 14 days notice) so please call us on 0800 LOADED (562 333) or send an email to enquiries@loadedcard.co.nz to transfer any remaining balance on your card to your bank account. We will waive the current Account closure fee.  There's no need to contact us if you have no money on your Loaded card by the closure date outlined in the letter. 
• By not activating the Loaded Everyday card we will know that you don’t want to transfer to the Loaded Everyday card so please cut this card up.