Types of unusual transactions

It’s important that you regularly check your card account for unusual transactions you don’t recognise, wrong transactions, or transactions that show up more than once. You can check your transactions on your monthly statement or in Internet Banking.

Unfamiliar transaction

If you see a transaction on your statement that you don’t recognise, you can:

1. Ask your other cardholder (if you have one) if they recognise the transaction.
2. Do an internet search of the merchant name to find out more information about the business.
3. Contact the business to query the transaction.
4. If the transaction is still a mystery to you, then you can dispute the transaction.

Common unfamiliar names

These trading names can cause confusion on statements:  

• ACC EPathway - Auckland Council, used for online payments (for example, dog registrations, LIM reports)
• ATHOP – Auckland Transport
• Epoch - a third party billing site for dating and adult websites
• Ezipay - Caci Clinic, ABC Learning Day Care, Ashley and Martin, and Anytime Fitness
• EziDebit - used by a number of gyms and fitness centres, courses, and park admissions
• Ezifitness Centres - OpenAir Gymsports, Cheerleading centres (part of EziDebit)
• F2C* - Flo2Cash donations
• NZME – The New Zealand Herald memberships or payments.

Declined transaction

If you’ve had a transaction declined by us and don’t know why, it might be one of the following reasons:

• our transaction monitoring picked up suspicious activity, and declined the potentially fraudulent transaction to protect you
• you’re overseas and haven’t notified us of your travel plans, the foreign transaction was declined or your card was blocked for your security
• the type of transaction is blocked in your cards security settings, you can check these in Internet Banking or in your BNZ Mobile app. 

If these scenarios don’t apply to you, or you’d like to know more:

• call us on 0800 275 269
• from overseas, call +64 4 473 5901 (international toll charges apply, or you can call us collect from a landline)
• or you can send us a secure message in Internet Banking. 

Disputing a transaction

If a transaction is processed (no longer pending), and it’s something you don’t recognise, you can contact us to dispute it. Find out more about disputing transactions

If you think your card is being used fraudulently:

• call our report line on 0800 735 901 
• from overseas, call +64 4 473 5901 (international toll charges apply, or you can call us collect from a landline).