| Type | Debit | Prepaid | Prepaid wallet |
| FX Mechanism | Mid-market + ~0.33–0.43% | 0% up to NZ$2,000/month; then 1%; ~1% weekend markup | Fixed 2% FX fee |
| Card Fees | NZ$14 issue; no monthly/annual; replacement NZ$10; express from NZ$17.40 | Standard free; Premium NZ$11.99/month; Metal NZ$22.99/month; delivery ~NZ$4.99 | Free issuance; no annual fee; instant top-up NZ$0.70 (bank transfer free) |
| ATM Withdrawal Policy | First NZ$350/month free (≤2); then NZ$1.50 + 1.75% on excess | Free up to NZ$350/month (or 5 withdrawals); then 2% or min NZ$1.50 | Visa network fees apply (no extra free allowance) |
| Ideal User | Frequent international spend across 40+ currencies. | Casual travellers; upgrade tiers lift limits and add perks. | Local Dosh users wanting simple wallet + 1% Doshback (cap NZ$10/month). |
