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Overseas transactions will either first be converted into US dollars and then into New Zealand dollars or converted directly at an exchange rate selected by Visa, from available wholesale rates (or, if applicable, the Government mandated rate).

The Offshore Service Margin is a margin charged by us when you use your card to make an overseas transaction. An overseas transaction is a transaction made in currency other than in New Zealand.

For overseas transactions made using your Visa Debit card offshore service margins of 2.10% are charged on the converted New Zealand dollar amount of the transaction.

For purchases refunded back to your Visa Debit card offshore service margins of 2.10% are charged to your account. The margins that are charged to your account may differ from the margins that were charged for the original transaction due to fluctuations in the conversion rate.

For overseas transactions using your ASB FastCash or Cashflow card offshore service margins of 1.1% are charged on the converted New Zealand dollar amount of each cash transaction.

The converted amount and the offshore service margins will be debited from your nominated bank account and detailed on your statement.

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