Debit Card Closure Notice FAQ

I received a closure notice for my Debit card saying it’s inactive. What does this mean and what should I do next?

If you haven’t used your existing Debit card to complete one of the eligible transactions listed below in the past 12 months, we will classify your card as inactive. 

To receive a new St.George Visa Debit card, you’ll need to make at least one eligible transaction using your existing Debit card by the date communicated in your letter. This date is usually 60 days from when we sent the letter.

Completing an eligible transaction will confirm you wish to keep your card active and will allow us to issue a replacement card. For eligible transactions, please refer to “What is classed as an eligible transaction?” in this FAQ. For other eligibility criteria that applies to receiving a replacement card, please refer to the Visa Debit card Terms and Conditions (PDF 1MB) for details.

How can I make sure I am eligible for a replacement St.George Visa Debit card?

To become eligible, make at least one eligible transaction using your existing Debit card by the date communicated in your letter. This helps confirm your card is being used and that you would like to transition to the new St.George Visa Debit card. For eligible transactions, please refer to “What is classed as an eligible transaction?” in this FAQ. For other eligibility criteria that applies to receiving a replacement card, please refer to the Visa Debit card Terms and Conditions (PDF 1MB) for details.

Also, ensure your mailing address, email, and phone number are up to date so we can send your new card without delay.

What is classed as an eligible transaction?

Eligible transactions include only the following:

Purchases – Make a transaction online or instore that accepts EFTPOS. 

Deposits – Deposit cash at an ATM.

Cash withdrawals - Withdraw cash at an ATM or a store that accepts EFTPOS

Balance enquiries – Check your balance at an ATM  

Please note that at this stage we are unable to accept card transactions made in a branch as eligible transactions. Contact us if you cannot make one of the "eligible" transactions as shown in the FAQ but still want a new replacement card to be issued to you.

What happens after I make an eligible transaction with my Debit card?

After completing an eligible transaction by the date mentioned in your letter, we’ll send you information about the transition to a new St.George Visa Debit card, including instructions for setting a PIN and activating your new card. We aim to transition all eligible customers by mid to late 2026. 

Can I continue using my old Debit card until it is closed? 

Yes, you can use your existing card until the closure date specified in your letter.  

What happens if I don’t make an eligible transaction on my existing Debit card? Will I lose access to my account?

If no transaction is made before the notified closure date, your Debit card will be closed. Your account will remain open without card access, and you can continue to make account-related transactions, such as sending and receiving electronic funds transfers. 

What if I want a St.George Visa Debit card later?

If you don't make an eligible transaction by the date mentioned in your letter, your existing Debit card will be closed. However, you will still have access to your account. You can order a new St.George Visa Debit card via St.George Internet Banking, the St.George App, or by visiting your local branch 

How do I request a new St.George Visa Debit card after my Debit card has been closed? 

You can order a St.George Visa Debit card via St.George Internet Banking, the St.George App, or by visiting your local branch.