Activate your card by choosing one of these options:

Internet Banking – Accounts>Card activation
The Mutual App – Select Cards >Card activation
Phone our friendly Contact Centre Team on 1300 688 825 during business hours.

You should always treat your cards as if they were cash. Learn more about keeping your card safe and secure here. Learn more about how we protect you from fraud here.

Our Visa Debit Card and Mutual Visa Credit Cards are equipped with Visa payWave, allowing you to make quick and secure payments by simply tapping your card against a payWave reader.

For purchases under $200, there’s no need to enter your PIN, and the card remains in your hand throughout the transaction.

Visa payWave is available at participating merchants with payWave-enabled readers or EFTPOS terminals. For purchases under $200, you can use your payWave-enabled card or digital wallet by waving it near the reader, completing the transaction in just a few seconds. If your purchase exceeds $200, you can still use Visa payWave by entering your PIN as you normally would.

Our Visa payWave cards come with multiple layers of security to ensure your money and transactions are safe. Additionally, Visa’s Zero Liability protection covers you against fraudulent or unauthorized transactions, provided you adhere to the terms and conditions and did not contribute to the loss.

Payments using Visa payWave can only be made at participating merchants. For purchases equal to or over AUD $200, or if you’re using payWave with your Visa card for the first time, you may need to sign or enter your Visa card PIN. Visa and our security systems continue to protect you from unauthorized transactions, with the same conditions applying to your Visa card payWave transactions as to your other Visa card transactions.

The Mutual Debit Visa Card is subject to Conditions of Use available in our Product Disclosure Statement.

Our Visa Debit Card is made from Polylactic Acid (PLA) which is made from renewable resources such as corn starch or sugar cane.

The cards are made up of 90% PLA which is industrially compostable.

While the body of the card itself is made from 100% plant-based material, some other features of the cards such as the microchip, magnetic strip, Visa hologram and signature panel must be sourced from other materials in order for the cards to be functional and scheme compliant.

In getting the new card to you, we have also thought of the environment with biodegradable packaging:
• 100% recycled paper and envelope which has a glassine paper window, not plastic.
• Soy-based ink used in the printing.
• Plant-based adhesive to close the envelope and keep your card secure in the mail.

Currently all PLA cards from our card supplier are manufactured in Spain. All manufacture and personalisation facilities comply with the manufacturer’s Code of Conduct. The manufacturer also participates in the UN Global Compact which advocates responsibility in the areas of human rights, labour standards, environmental protection, and anticorruption.

Unlike traditional payment cards that are made from fossil-fuel based PVC, our Visa Debit Card consists almost entirely of a bio sourced material that comes from sustainable plant material.

Once your card expires, please cut through the chip and your personal details and ensure secure disposal in your normal waste. Rest assured that you are once again helping the environment as PLA cards emit no toxic gases during incineration or decomposition, and will not decompose into harmful microplastics, making them less harmful to the environment even in landfill.

Saretta Fielding is an award-winning Aboriginal artist of the Wonnarua Nation located in the Hunter Valley NSW where The Mutual Bank is based. Her artwork versatility is seen across a wide range of public artworks and mediums including fine art, public installations, and fashion.

Saretta’s unique art style combining traditional symbolism and storytelling alongside contemporary artform, and colour palette is fast becoming recognised nationally and internationally.

Her flair for interpreting natural elements and mediums demonstrates her passion for country and community, instantly grabbing attention, inviting the viewer to savour, connect and share in the rich and alive culture of Aboriginal Australia. Saretta loves the challenge of conveying to others, through art, how she is influenced by people, life experiences and natures beauty.