Liquid Encryption Security¹

This revolutionary technology helps us to detect if your credit card has been copied or duplicated without your knowledge. Most importantly, this can automatically prevent counterfeit credit card transactions, reducing the likelihood of your Card being cancelled and having to wait for a replacement card to arrive.

Every time you use your GlobalPlus Visa or MasterCard in a BNZ ATM for a balance enquiry, mini statement or cash advance/cash withdrawal², Liquid Encryption automatically updates the security information on your card's magnetic stripe. So, if someone does manage to make a counterfeit copy of your card, it'll be out of date pretty quickly.

So, to help protect yourself:

• Regularly use any BNZ ATM to complete a balance enquiry, mini statement or cash advance/cash withdrawal².
• Prior to going overseas, and again as soon as you can upon returning to New Zealand, we recommend you complete one of these transactions at a BNZ ATM.
• If your account has a joint or additional cardholder then please ensure the joint/additional cardholder follows the same process for their card.

1. Not available on American Express cards. This will not affect your liability in relation to your card.

2. Credit card cash advance fees apply.

Zero Fraud Liability Guarantee

We're working hard to keep your card secure so you can feel safer using it. We also guarantee you won't lose out if you're the victim of credit card fraud, as we'll repay any fraudulent transactions as long as you have complied with your credit card terms and conditions. These include notifying us promptly of any fraud, selecting a suitable PIN and protecting your PIN.