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Debit Mastercard
- Savvy spending: Use this card for ATM and point-of-sale transactions just like your Member Card. It’s an easy way to manage your finances because funds are withdrawn directly from your chequing account.
- Easy online shopping: Use your debit card to pay for online purchases from participating Canadian retailers. For international merchants, use your debit card on any international website where Mastercard is accepted. Set up your Debit Mastercard in your mobile wallet to make in-app purchases on your smart phone.
- International buying power: Make in-store purchases around the world, anywhere Mastercard is accepted.
- Credit card credibility: Use your Debit Mastercard to book a hotel, reserve a rental car, and more.
- Convenient in-store spending: Add your debit card to your mobile wallet to pay in-store with your mobile device or tap for purchases up to $250 using your card.
- Peace of mind: With Mastercard’s Zero Liability Protection, cardholders are not liable for unauthorized purchases made in-store, over the telephone, online, or with a mobile device.* The Debit Mastercard also comes with theft protection at no cost.†
- Savvy spending: Use this card for ATM and point-of-sale transactions just like your Member Card. It’s an easy way to manage your finances because funds are withdrawn directly from your chequing account.
- Easy online shopping: Use your debit card to pay for online purchases from participating Canadian retailers. For international merchants, use your debit card on any international website where Mastercard is accepted. Set up your Debit Mastercard in your mobile wallet to make in-app purchases on your smart phone.
- International buying power: Make in-store purchases around the world, anywhere Mastercard is accepted.
- Credit card credibility: Use your Debit Mastercard to book a hotel, reserve a rental car, and more.
- Convenient in-store spending: Add your debit card to your mobile wallet to pay in-store with your mobile device or tap for purchases up to $250 using your card.
- Peace of mind: With Mastercard’s Zero Liability Protection, cardholders are not liable for unauthorized purchases made in-store, over the telephone, online, or with a mobile device.* The Debit Mastercard also comes with theft protection at no cost.†
Our new card design features an image of the Alberta prairie inspired by a painting by Alberta landscape artist Billie Rae Busby. Busby is an award-winning painter who uses a precise hard-edge painting technique to depict landscapes in rural Alberta and Saskatchewan, including the prairie landscapes that are common sites in Vision’s branch operating areas.
If you’re an existing member, you may request a new Debit Mastercard anytime by reaching out to your branch.
If you forget your PIN, we can help! Simply visit your local branch.
You may continue to login to your online banking platform with your existing username and password.
If you previously used your Member Card number to login, we encourage you to visit your local branch to retrieve your username for online banking purposes.
- Debit Mastercard is accepted in-store, online and in mobile apps, over the phone, and by mail at participating merchants in Canada.
- It can also be used to pay for any recurring payments you may have (e.g., Netflix, Amazon, subscription services, etc.) and even for paying your monthly bills (e.g., Enmax, Shaw, Telus, etc.).
International Merchants (Including US) Online, Over the Phone and By Mail
- Debit Mastercard is accepted by US and international retailers that accept Mastercard online, in mobile apps, by telephone and mail order.
In Stores Outside Canada
- When shopping in stores outside of Canada, Debit Mastercard is accepted wherever Mastercard is accepted. Look for the Mastercard acceptance mark.
Note: The payment methods for eCommerce (online transactions) are determined by the retailer, so some online retailers may not accept payments by Debit Mastercard. Please check the retailer’s website to confirm accepted payment methods.
In Canada
Yes, Debit Mastercard works at Canadian ATMs, but the transaction will be processed by Interac. Like with your Member Card, you simply insert the card into the ATM, enter your PIN, and select the desired function (withdraw cash, make deposits, transfer funds, check account balances).
Outside Canada
Debit Mastercard can be used to withdraw funds directly from your bank account at millions of ATMs around the world where Mastercard is accepted. Just look for the Mastercard acceptance mark.
Think of your Vision Debit Mastercard as a debit card, but with added features so you can complete transactions that were once only possible with a credit card – things like hotel reservations, online purchases, and in-app purchases.
Transactions made on your Debit Mastercard come directly out of your account, not on credit. Because of this, there’s no due dates or payments to worry about.
All ATM and point of sale (POS) transactions completed within Canada are processed the exact same way as your existing Member Card or any debit cards.
Transactions completed via eCommerce (online), telephone, or International POS are processed on the Mastercard network. This means that transactions will process similar to how credit card transactions are processed. At the time of purchase, a hold is placed on your account for the amount of the purchase or pre-authorization. When the merchant processes their card transactions or when the order has been fulfilled, the purchase will debit your account and the hold will be released.
Web browser: Log into Xpress > Accounts > Cards > Manage Debit Cards, OR
Mobile Apps: Login to Xpress > More > Manage Debit Cards
Navigate to Update ATM Transaction Limits or Update POS Transaction Limits and enter the changes.
Your Vision Debit Mastercard is covered by Interac® and Mastercard’s Zero Liability policy, which means you won’t be liable for any unauthorized transactions that occur using your Debit Mastercard where you have:
- Exercised reasonable care in safeguarding your debit card and PIN from any unauthorized use, loss, or theft
- Immediately reported to Vision any loss or theft of the Debit Mastercard
- Notify Vision of the unauthorized transactions within a reasonable time
If you’re logged in using your web browser, you can do this by going to Accounts > Cards > Manage Debit Cards to change your card security settings. If you’re using the mobile banking app, you can do this by selecting More > Manage Debit Cards.
With Debit Card Management, you can customize your security settings straight from your online banking or mobile app, such as:
- Temporarily lock your debit cards to prevent all future transactions.
- Lock POS transactions to restrict all point-of-sale purchases within Canada.
- Lock international POS transactions to restrict all point-of-sale purchases outside of Canada.
- Lock ATM transactions to restrict all ATM withdrawals performed within Canada.
- Lock international ATM transactions to restrict all ATM withdrawals performed outside Canada.
- Set worldwide ATM and POS "per-transaction" limits for withdrawals and purchases.
- Lock contactless payments to restrict "tap" in-app mobile transactions.
- Lock contactless smart card transactions to restrict NFC and "tap" flash payments.
1. Debit Mastercard
2. Interac
If Debit Mastercard is chosen, the transaction will decline. Choosing Interac will allow the transaction to process normally.