Safer, smarter shopping with Bank of Melbourne Digital Card

Boost your card security by using the dynamic CVV on your Bank of Melbourne credit or debit card. Use it 24/7 in the Bank of Melbourne App.

Benefits
Dynamic CVV
How to find Digital Card
FAQs

What is the Digital Card?

It's a digital version of your credit or debit card, available in the Bank of Melbourne App. Use it just like your physical card to shop online, pay bills, and set up your recurring card payments.

Once you've received and activated your physical card, set up your Digital Wallet and start making payments on the go. You'll never be without your card.

Get the most from your Digital Card

Security

Shop or pay using your Digital Card with dynamic CVV. If your card details are ever compromised, the CVV will only be valid for up to 24 hours, preventing ongoing use of your card details.

Convenience

After you have activated your physical card, you can set up your Digital Wallet to make payments from your mobile or wearable device.

Confidence

Be assured that you will have uninterrupted access to your funds even if your card is lost or stolen.

Flexibility

Enjoy the freedom of accessing your card details anywhere anytime.

Stop fraudsters with dynamic CVV

The dynamic CVV refreshes in your App every 24 hours – making your card details even more secure and reduces the risk of fraudulent card activity by over 50%.

How we protect you

Get the latest App

Make sure you have updated to the latest version of the app.

Download from the Play Store

Download from the App Store

How to find your Digital Card

Step 1

You can access your Digital Card from the logon screen or the app’s service menu.

Step 2

Logon to your account. Next you’ll see a list of Digital Cards available. Select the card you’d like to use.

Step 3

Follow the prompts to see the Digital Card details including the dynamic CVV (Card Verification Value).

Frequently Asked Questions

What is a dynamic or temporary CVV?

A dynamic CVV is a temporary Card Verification Value generated in the Bank of Melbourne App. It changes every 24 hours for security purposes as an added layer of protection against fraudulent activity. It’s a different number to the CVV printed on the back of your physical card, but lets you make purchases in the same way.

You can also use the dynamic CVV to set up recurring card payments. When you set up a recurring card payment, you provide your card details (including the dynamic CVV) to the merchant. These details are used by the merchant to set up the recurring payment, and ongoing payments will not be impacted.

Do I need to activate my physical card before I can view and use my Digital Card details?

Yes, you will not be able to view nor use your Digital Card details until you have activated your physical card for the first time. You do not need to activate replacement cards on the same account to continue to access your Digital Card details. This is particularly useful when you report your card lost or stolen as you can view your replacement card details immediately and use these until your replacement physical card arrives.

What can I use my Digital Card for?

Where is Digital Card available?

Which cards are eligible for a Digital Card?

Bank of Melbourne Credit Cards

Bank of Melbourne Gold Low Rate Visa
Bank of Melbourne Gold Advantage Visa
Bank of Melbourne Vertigo Platinum Visa
Bank of Melbourne Platinum Advantage Visa
Bank of Melbourne Private Clients Visa Platinum
Bank of Melbourne Amplify Rewards Visa
Bank of Melbourne Amplify Rewards Visa – Qantas
Bank of Melbourne Visa
Bank of Melbourne SLSL Visa
Bank of Melbourne Amplify Platinum Visa
Bank of Melbourne Amplify Visa
Bank of Melbourne Vertigo Classic
Bank of Melbourne Amplify Business Visa

Bank of Melbourne Debit Cards

Bank of Melbourne Visa Debit
Bank of Melbourne Visa Gold Debit
Bank of Melbourne Get Set Visa

What is the difference between a Digital Card and a Digital Wallet?

A Digital Card is a digital version of your debit or credit card, which is available in the Mobile Banking App, and can be used to shop online, pay bills, make in-app purchases, and set-up recurring card payments. A Digital Wallet is an app or online service used to make payments electronically such as Apple Pay, Google Pay and Samsung Pay. You can add your Digital Card to your Digital Wallet to make purchases in-store, in-app and online.

A Digital Wallet is an App that allows you to make debit or credit card transactions in store or online, using an eligible device (such as a mobile phone or smartwatch). You must first add your card to your Digital Wallet before you can use your device to make a transaction.

Your digital credit or debit card is a complete digital version of your physical card. You can securely view your full card details (card number, expiry date and dynamic CVV*) within the Bank of Melbourne Mobile Banking App without needing to add your Digital Card to your Digital Wallet. We call this digital view of your card details your “Digital Card”.

You can use your digital credit or debit card just like your physical card to shop online, pay bills, make in-app purchases or set up your recurring card payments. However, if you wish to use your Digital Card to shop in-store using your phone or smartwatch, you will need to add it to your Digital Wallet first. You can use your Digital Card details (viewable in the Bank of Melbourne App) to add your Digital Card to your Digital Wallet.

*Dynamic CVV reduces the risk of fraudulent credit or debit card activity by over 50% as it refreshes your Bank of Melbourne Digital Card’s 3-digit security number every 24 hours – making your card details even more secure.

See all Digital Card FAQs

Safe and secure banking

Security tricks and tips

Keep your Internet banking security top of mind

Built-in benefits

Every Bank of Melbourne credit card includes

Online card management

Get your card working for you

The Detail

Conditions, fees and credit criteria apply.

This card is issued as a Visa card.

Credit Card Terms and Conditions (PDF 268KB)

Amplify Terms and Conditions (PDF 124KB)

Credit Card Accounts Fees and Charges (PDF 72KB)

The Digital Card is only available in the Bank of Melbourne App and supported with the latest version of the Bank of Melbourne App. The terms and conditions applicable to your product also apply to the use of your Digital Card. also apply. Internet and Phone Banking Terms and Conditions also apply. You may not always be able to access your Digital Card.

Before making a decision about any of our products or services, please read all the terms and conditions and consider whether the product or service is right for you. Fees and charges apply and may change.

Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co.

Android, Google Play and the Google Play logo are trademarks of Google LLC.

Garmin, the Garmin logo, and the Garmin delta are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.