Zeller Debit Card

A smarter business debit card.

Pay on Zeller Terminal

Earn 1% cash back.

On purchases made using Zeller Debit Card with Zeller merchants. Terms apply.

Instant card issuing

Issue virtual or physical business debit cards in seconds.

Spend your way

Secure in-person and online spending, with no monthly fees.

Easy reconciliation

Simplify reconciliation by attaching receipts or notes to transactions.

Manage budgets

Set recurring expense budgets for teams and employees.

Fully-featured business debit cards.

Zeller - Debit Card - Dashboard - Single Card

Manage expenses

Track spend by contact

Real-time card tracking

Powerful security

Issue cards instantly

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Choose your business debit Mastercard.

Debit Cards

Link business debit cards to different accounts to manage funds and spending.

Corporate Cards

Say goodbye to expense reimbursements with easy-to-use corporate cards.

Virtual Cards

Add virtual cards to your Apple or Google wallet for contactless payments on your smartphone.

Cards for every business.

Streamline how you manage your business spending from one account.

  • Set and automate spending limits and controls.

  • Instantly issue, freeze, or cancel cards.

  • Get a complete real-time view of card activity at your fingertips.

Manage team expenses.

Take control of your business expenses with Zeller Corporate Cards.

  • Centralise expense tracking to eliminate manual reimbursements.

  • Issue virtual corporate cards instantly, or order physical cards.

  • Set spend limits and automate recurring budgets.

Track where you’re spending.

Monitor where you're spending with Zeller Contact Directory.

  • Create profiles for suppliers and vendors your business spends with.

  • Link payments, transactions, and transfers to contacts.

  • Build detailed reports to understand spending by contact.

Hundreds of businesses switch to Zeller daily.

We urgently needed a business bank account, but Commbank made the process so difficult. With Zeller, everything was incredibly easy — we had our account and EFTPOS machine set up right away.

Monica Bugno
The Last Supper, Darwin

Don’t pay to manage your own money.

It’s free to use Zeller.

There are no setup fees, monthly fees, or lock-in contracts. It's that easy.

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Make the switch to Zeller.

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It takes minutes to create a free Zeller Account.

Add funds.

Transfer funds to create your opening balance.

Start spending.

Create a free Zeller Debit Card instantly.

Frequently Asked Questions

A business debit card enables you to make purchases (both in-person and online) and manage your expenses, straight from your business account. Similar to a personal debit card you can pay for goods and services, as well as withdraw cash.

With a Zeller Debit Card, you can make international purchases, as well as add your card digitally to your Google, Samsung or Apple Pay Wallet.

There are two types of Zeller Debit Cards:

  • Virtual debit card - You can create a virtual card on Zeller Dashboard and start spending instantly. Additionally, you can add your virtual card to Google Wallet or Apple Pay, and spend in store with your mobile device.

  • Physical debit card - With a physical card, you can spend in store by tapping or swiping your plastic Zeller Debit Card, and withdraw cash at ATMs.

  • Easily access your business transaction account funds - Spend money instantly from your Zeller Transaction Account.

  • Real-time transaction management - Transactions made on Zeller Debit Cards are recorded straight into your Zeller Account in real-time, meaning you can track your business expenses and manage your cash flow, straight from your Zeller Dashboard.

  • Increased security - Having a business debit card gives you full control over your business’ spending, and provides you with fraud protection and spending controls to prevent unauthorised transactions.

  • Minimise accounting paperwork - With a Zeller Debit Card, you can connect your transactions straight into Xero with our Bank Feeds connection, meaning less paperwork and fewer headaches when it comes to reimbursements and bookkeeping.

  • Monitor and control your team spending - Issue your managers with their own debit cards and get full oversight on their business spending behaviour. As an admin, you also have the ability to lock, cancel, or close their cards.

Whilst you could use your business debit card for personal use, it is not recommended, even if you are the business owner. Making personal purchases on a business transaction account and card could create tax and accounting issues, and make it more difficult for your accountant to assist you with recording your business finances.

If you wish to make personal purchases with Zeller, we would recommend you create a second Zeller Transaction Account and Debit Card, and make those purchases separate from your business transactions.

To get a Zeller Debit Card, you first need to sign up for your free Zeller Account. You can then issue a free Zeller Debit Card from the Zeller Dashboard. You can choose to create a physical Zeller Debit Card (which will be shipped to you in 3-5 business days), or issue a virtual Zeller Debit Card which you can add to your Google or Apple wallet instantly.

You can issue your employees with a Zeller Debit Card instantly from Zeller Dashboard. They will need to ensure they have completed their ID verification (which is accessible under Profile Settings → Security).

Alternatively, if you need a solution to track and manage employee spending, you may also consider trying Zeller Corporate Cards, which you can learn more about here.

To change your Zeller Debit Card PIN, log into your Zeller Account and look for your card under Cards. In the “Manage” dropdown, you can ‘Reset PIN’. Please note that you have to be the verified cardholder in order to change your card PIN.

If you’ve misplaced your Zeller Debit Card or suspect it has been stolen, log into your Zeller Account and mark your card as “Lost or Stolen” under ‘Manage’ in your Zeller Card Dashboard. We’ll immediately issue you a replacement card to your registered address, free of charge.

If you need additional assistance, please contact Zeller Support on 1800 935 537.

Every Zeller Debit Card can only be linked to one Zeller Transaction Account, which was assigned upon activation. If you wish to spend funds on another Transaction Account with a card, simply create a new Zeller Debit Card under “Cards” in the Zeller Dashboard. It’s fast and free.

For international processing fees, please refer to our Product Disclosure Statement.

Have a question which isn’t answered here? Contact us!

As you grow your business in Australia, you’ll likely need to purchase stock, pay bills, suppliers and employees, and keep track of your budget. Zeller Debit Card is your all-in-one solution. It’s a business debit card linked to your free Zeller Business Transaction Account that can be used to make purchases in-store or online, for business-related expenses. Our free business debit cards provide a convenient and efficient way for business owners to access and manage their funds and spend them as soon as they settle into their account.

Business debit cards: An essential tool

Debit cards for small businesses are a great way to improve cash flow management by enabling business owners to track their expenses in real-time, giving them a clear view of where and how their money is being spent. As the use of cash and cheques continues to decline, small business debit cards are a quicker, more convenient and more secure way to pay for expenses. Equipped with advanced security features including chip technology and fraud detection, Zeller Debit Card can help protect against unauthorised transactions to keep your money safe. Additionally, having an electronic record of every purchase makes it much easier to keep track of expenses for accounting purposes, which will save you time and effort.

Access your funds faster

In the past, your business might have needed to rely on business loans to support gaps in your cash flow while waiting for payments to be settled. With Zeller Transaction Account, payments accepted on your Zeller EFTPOS Terminal (or via Zeller Online Invoices) are settled nightly, 365 days a year. This helps keep your finances in check by letting you only spend the revenue you have generated, mitigating negative cash flow.

Affordable business spending

Annual card fees and transaction fees may look like minimal expenses in isolation, but these charges add up over time. Zeller Debit Card is a Mastercard, and it comes with unlimited electronic transactions, no monthly or yearly accounts fees, no lock-in contracts and fee-free transactions on domestic purchases. All this means more affordable business spending for you.

Manage the leading business debit card from anywhere

From your Zeller Dashboard, you can apply for new business debit and corporate cards, as well as lock or cancel a card if it’s lost or stolen. There’s no need to visit a bank and wait in line, or sit on the phone on hold. Zeller prioritises convenience so you don’t waste time. If you’re on the go, you can also manage, order and issue Zeller Debit Cards for you and your team, right from your mobile phone with the Zeller App. Virtual cards can be set up and activated in minutes, and if an existing card goes missing, it can be locked or cancelled at the click of a button. Zeller gives you everything you need to do to take control of your business spending, all in one powerful mobile app.

Virtual business debit cards for your mobile wallet.

With mobile wallets boasting greater convenience and enhanced security, it comes as no surprise that more and more Australians are choosing to pay contactlessly from their phones. With Zeller Debit Card, small business owners too can harness this technology to streamline their business spending, thanks to our integrations with Apple Pay and Google Pay. It’s simple to add your Zeller Debit Card to your smartphone, and what’s more, you don’t even need to wait for your physical card to arrive. Simply log in to Zeller Dashboard, instantly create a new virtual card, then add it to your mobile wallet with a few taps.

Track business expenses

From your Zeller Dashboard, you can see an overview of your business spending in real-time, to help manage your business budget. You can add notes, assign contacts and upload receipts to each transaction, so you know exactly where your money is going, which comes in very handy when reporting your expenses at tax time.

Manage team expenses

With Zeller, managing your team’s spending is easier than ever. Simply order a new physical card for every team member or create unlimited virtual cards. By giving your staff Zeller Debit Cards, you can track their spending with up-to-the-minute transaction lists available in both Zeller Dashboard and Zeller App. You can also set spending or transaction limits for each card.

Business Debit Card by Mastercard

Created in partnership with Mastercard, Zeller Business Debit MasterCard can be used anywhere Mastercard is accepted. This means business owners can benefit from Mastercard’s global network. Supported in 210 countries and territories, it’s a reliable payment option for international transactions. Zeller’s is therefore an especially useful debit card for Australian businesses that need to make purchases online from businesses located outside of the country.

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