Dosh Visa Debit Card

The Dosh Visa Debit Card is here

Spend then split. Get your Dosh Visa Debit Card, then pay in store or online where Visa is accepted. Split the bill via your Dosh app, instantly. Plus you can earn cashback rewards, paid direct to your Dosh account. The Dosh Visa Debit Card is free to order with no annual fee. So get Dosh, now with Visa.


Earn cashback when you spend with the Dosh card

Get access to exclusive cashback rewards when you spend with the Dosh Visa Debit Card at some of your favourite brands.

Your money in your hands

Pay where VISA
is accepted

Tap and go in store, where PayWave is accepted, and buy online where Visa is accepted. Change the way you spend with the Dosh Visa Debit Card.

Protection from fraud

With Visa’s Zero Liability policy, you can use your Dosh Visa Debit Card with confidence. Learn more about Visa’s Zero Liability policy.

You're in control. Set limits or lock your card anytime

Spend from the available funds in your Dosh account
Manage your Dosh Visa Debit Card to suit you best
Enhanced card security features
Set daily, weekly and monthly limits

Split payments

Split your Dosh Visa Debit card transactions

When you pay with your Dosh Visa Debit Card you can settle up with friends on the spot.

Pay with your Dosh Visa Debit Card
Split out the amount, instantly
Receive notifications when people pay you back

Add to your digital wallet

Soon you'll be able to access a digital Dosh Visa Debit Card to add to your Google Pay or Apple Wallet.

Add your Dosh Visa Debit Card details to your mobile device
Access your money direct from your phone
Coming soon, the Dosh Card, in digital form

Frequently asked questions

How much will Dosh cost?

There is no cost to open a Dosh account, to make payments to other Dosh users, or to receive payments. There are no fees to transfer money from your Dosh mobile wallet to a nominated bank account. It is free to order a Dosh Visa Debit Card. There is a Windcave convenience fee of $0.70 to instantly add money to your account via Windcave. Adding money to your account via bank transfer is completely free. Please see our T&Cs for more information.

How is Dosh better than the way I currently pay or receive money?

Have you tried to pay someone via bank transfer recently? You need to set up a new payee within your online bank account, type in their 16-digit bank account number, add particulars, reference and code, and the money won’t show through to your account instantly. Unfortunately, the only way to instantly pay someone in New Zealand is with cash or bank cheque. That all changed when Dosh launched in 2021. With Dosh, payments are made instantly 24/7 from anywhere. You can pay to any mobile number in your phone contacts list – Dosh user or not, or simply generate a QR Code to share and be scanned.

Is Dosh cryptocurrency?

No, Dosh is not a cryptocurrency. Dosh is NZ dollars transferred from your bank account and accessed from your Dosh wallet (the Dosh app on your smartphone). All monies are held securely in a trust account at a New Zealand bank. Dosh is a registered financial services provider.

Can I only pay or request money from other Dosh users?

No. You can pay anyone from your phone contacts list, not just Dosh users.

Open your Dosh app, select Send or Request – To a contact. Find the contact you want to pay/request from, enter the amount and hit Next. Check your payment details are correct, then tap Confirm. If your contact does not have Dosh, we send an SMS to the recipient with your referral code, and when they open a Dosh account your payment is waiting for them.

If they use your referral code at sign-up, you will receive a $5 referral bonus. Every payment or request for payment to a new Dosh user will earn you $5, as long as they use your referral code when they join Dosh.

What happens if they don’t download the app? New Dosh users have seven days from receiving the SMS to download Dosh and receive your payment. A reminder SMS is sent on Day six; and on Day seven if they still haven’t downloaded the app, your payment will be reversed to your Dosh account.

Download the Dosh app

Manage your money with Stashes. Instantly pay and get paid, 24/7. Spend and split with the Dosh Visa Debit Card.
Your Dosh account connects to your mobile number so you can transact freely anytime, anywhere with friends, family and businesses. Join thousands of Kiwis on Dosh.