About the surcharge fee for online credit and debit card payments
What is the surcharge fee?
The surcharge fee is a charge for any direct debit and one-off credit or debit card online payment. Visa and MasterCard have a 1% surcharge fee. American Express and JCB have a 2% surcharge fee.
From 13 November 2025 a 1% surcharge fee will apply to Visa, MasterCard, American Express or JCB credit or debit cards when paying by direct debit or one-off payments. This will be added to your total monthly bill and show as a single transaction on your card statement.
The surcharge fee only applies when paying online, it does not apply to in-store payments.
What does it cover?
The fee is the processing costs we incur for direct debit or one-off payment made by credit or debit card payments made online.
What is a one-off payment?
A credit or debit card payment is considered a one-off payment when:
- It isn’t set up as an automatic recurring monthly payment (Direct Debit).
- You make a payment online through the My One NZ, on our website, or by calling Customer Care.
It will be considered a one-off payment even if you choose to pay this way each month for one or more accounts.
What is a Direct Debit payment?
A direct debit is a recurring, automatic payment from your credit or debit card which deducts the amount due at the same time every month.
You can set a direct debit set up from your bank account (which avoids the 1% surcharge fee) or from a credit or debit card (which incurs a 1% surcharge fee from 13 November 2025).
Alternative methods to pay
Below are alternate payment methods you can use to avoid the surcharge: