What are my obligations to protect my card?

For Access Card(s)

To protect your Access Card you must:

  • Sign your Access Card as soon as you receive it.
  • Not record or disguise your PIN or other Security Access Code on your Access Card, on any article normally carried with you, eg your wallet, or in any low security electronic device of any kind, such as (but not limited to) calculators, personal computers, electronic organisers, mobile phones.
  • If you are no longer using the Access Card or it has expired, cut your Access Card into several pieces and return it to us.
  • Carry your Access Card with you whenever possible. 
  • Regularly check you have your Access Card. 
  • Not let the Access Card leave your sight when making purchases.
  • Not allow anyone to swipe your Access Card more than once without providing you with a ‘transaction cancelled’ receipt. 
  • Retrieve your Access Card from ATMs. 
  • Treat your Access Card as if it were cash. 
  • Not give your Access Card to anyone else, including family and friends.
  • Use my AMP app to manage and protect your cards:
For Security Access Codes

To protect your Security Access Codes you must:

  • Destroy any communication we send you containing a Security Access Code once you have read it.
  • Not record or disguise your Security Access Code on or near an Access Card or Mobile Device, on any article normally carried with you, eg your wallet, or in any low security electronic device of any kind, such as (but not limited to) calculators, personal computers, electronic organisers and mobile phones. 
  • Not permit any other person to use your Security Access Codes. 
  • Not disclose your Security Access Codes to any other person (including a family member, a friend or one of our staff or agents) for any reason.
  • Avoid letting people see you enter your Security Access Codes into a keypad or keyboard by covering your hand, while typing your Security Access Code with your other hand. 
  • In the case of BankAssist, do not reveal your full TelePIN to any of our staff.Only reveal the 2 digits requested.
  • Not use BankAssist service in such a way that your TelePIN or your Account Number can be overheard by others.
  • In the case of BankFax, do not leave your details so they can be observed by others.
  • Take reasonable steps to maintain the security of your hardware and software (see condition 4 for more details).
  • Not enter your PIN in an ATM that appears to have been tampered with.
  • Notify us if you do not receive the PIN for a new Access Card, if the PIN for an Access Card changes without you requesting it, or the PIN mail advice has not been received intact.
  • You must not use a numeric pass code that represents your birth date or an alphabet Security Access Code that is a recognisable part of your name.

What is a reasonable attempt to disguise a Security Access Code?

  • If you require an aid to help you remember a Security Access Code, make sure that any such aid is reasonably disguised. The following are examples of what must not be done with your Security Access Code: 
  • Do not record your disguised Security Access Code by reversing the number sequence or by using alphabetical characters or numbers: A=1, B=2, C=3, etc. 
  • Do not disguise your Security Access Code by using any of the following combinations (or parts of them): dates of birth, personal telephone numbers, car registration numbers, family members’ names, social security numbers or licence numbers.
  • There may be other forms of disguise that may also be unsuitable. You must exercise extreme care if you do decide to record a memory aid for your Security Access Code.

Will I be charged an ATM fee on withdrawals?

AMP will reimburse all local ATM fees when using an AMP Visa Debit card (not international).



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What you need to know

The product issuer and credit provider is AMP Bank Limited ABN 15 081 596 009, AFSL and Australian credit licence 234517.

It’s important to consider your circumstances and read the relevant Product Disclosure Statement or Terms and Conditions before deciding what’s right for you. This information hasn’t taken your circumstances into account. Information including interest rates is subject to change without notice.

Any application is subject to AMP Bank’s approval. Terms and conditions apply and are available at amp.com.au/bankterms or 13 30 30. Fees and charges may be payable. Full details are available in the Fees and charges guide.

This information is provided by AMP Bank Limited. Read our Financial Services Guide available at amp.com.au/fsg for information about our services, including the fees and other benefits that AMP companies and their representatives may receive in relation to products and services provided to you. All information on this website is subject to change without notice.

AMP Bank is a member of the Australian Banking Association (ABA) and is committed to the standards in the Banking Code of Practice. 

A target market determination for these products is available on our TMD page.