Below are the answers to some common questions about activa. If you can't find the information you're looking for, please contact us.
How do I use and access the funds in my activa Account?
You can use the funds in your activa Account to pay for any health-related goods or services that are provided by activa merchants or partners by using an activa card. That means when you need something related to your health or wellbeing from one of our partners or merchants (e.g. a doctor's appointment, massage or sports equipment), you can use the funds in your account to pay for it.
If you need to transfer funds to another bank account, please call the activa customer care team to arrange this on 0800 228 482.
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How do I pay money into my activa Account?
A monthly direct debit is set up from your existing bank account to your activa Account. You may also be able to transfer funds into your activa Account by using the telephone or internet (the bill payment function that exists within your own bank account's website).
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How much do I need to deposit to open an activa Account?
When you open an activa Account you'll be asked for an initial deposit (so that you have money in your account when you receive your card). The minimum deposit is $25.
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Is a regular deposit or regular balance required?
Yes, you must make a minimum monthly deposit of $25.
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Can I change the amount I deposit each month?
Yes. You must make a minimum monthly deposit of$25. Other than that you can change the amount you deposit as often as necessary by calling the customer care team on 0800 228 482.
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Can I make a lump sum payment to my activa Account?
Yes, you can make a bill payment from most existing bank accounts into your activa Account, using the internet or telephone bill payment function with your existing bank.
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Can I give non-family members access to my activa Account?
Yes. You can request a supplementary card for anybody aged 16 or over.
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What is the credit limit on my activa Account?
There is an optional overdraft of $1000, which you can apply for at any time. If you're an existing Southern Cross member with a good financial track record with us (you've been personally paying your premiums on time for a continuous period of two years or more), then you can apply for an overdraft of $2500. If you choose not to apply for either of these overdraft facilities then your credit limit is $0.
Once you're an activa member, you can apply for a larger overdraft if you wish. Call the activa customer care team on 0800 228 482 if you'd like to discuss other credit limit options.
Acceptance of overdraft applications will be subject to activa Account lending criteria.
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Can I have more than one account?
You can have as many accounts as you like, however with the ability to have additional and supplementary cards, there's really no need. Our suggestion is to do all transactions from one account without the additional fees that would come from having extra accounts.
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Can I get a joint account?
We're not currently offering joint accounts, but we do offer both additional and supplementary cards. Additional cardholders have the authority to look at the account contact details and make some changes, however (as an example) can't add cardholders or change overdraft levels. Supplementary cardholders can only access the account funds via their card.
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Will I receive regular statements for my activa Account?
Yes, you'll receive a statement of your account in the post each month. You can also view your transactions online.
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How can I access and view my activa Account over the internet?
To set up online access to your account, all you need to do is select the 'Create or reset my password' link, located on all pages of the activa website in the green 'Login' panel.
Once you've completed the simple steps to enable your activa Online login, you'll be able to use the activa website to check your activa Account activity whenever you like.
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Can I set up automatic payments or bill payments from my activa Account?
Unfortunately not – but you can set up recurring payments (which are slightly different to automatic payments) with activa merchants, using your activa card if the merchant accepts this method of payment.
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Can I transfer money out from my activa Account to my bank account?
Yes, of course. Transfers are completed by calling the activa customer care team and requesting a transfer to another bank account.
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Can I access my activa funds at an ASB Bank branch or ATM?
No, you can only access your funds by using your activa card at any activa partner or merchant outlet, or by calling the activa customer care team on 0800 228 482 to transfer funds to another account.
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How do I alter my activa Account details, for example, my contact details?
Simply contact the activa customer care team on 0800 228 482.
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Can I choose the day that the monthly direct debit deposit goes into my activa Account?
Yes, you can choose any date of the month that suits you.
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What happens if my monthly direct debit deposit fails?
This will vary depending on your bank, however it's likely that you'll be charged a penalty fee if this happens. So, if your direct debit deposit fails, please let us know immediately.
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What happens if I go to use my activa card, and there isn't enough money in my activa Account?
If there aren't sufficient available funds in your activa Account, or if you have an overdraft and your overdraft is exceeded, then your transaction will be declined.
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What is the difference between an Account Holder, Additional Cardholder and a Supplementary Cardholder - what can they do?
|
Action |
Supplementary Cardholder |
Additional Cardholder |
Account Holder |
|
Open an account |
- |
- |
Yes |
|
Change the credit limit |
- |
- |
Yes |
|
Change name of people on account (with appropriate proof) |
- |
Yes |
Yes |
|
Dispute fees |
- |
Yes |
Yes |
|
Initiate chargeback on any transaction |
- |
Yes |
Yes |
|
Initiate chargeback on own transactions |
Yes |
Yes |
Yes |
|
Inquire on any transaction |
- |
Yes |
Yes |
|
Inquire on own transactions |
Yes |
Yes |
Yes |
|
Report any card as lost or stolen |
- |
Yes |
Yes |
|
Report own card as lost or stolen |
Yes |
Yes |
Yes |
|
Obtain account balance and current credit limit |
- |
Yes |
Yes |
|
Request statement copy |
- |
Yes |
Yes |
|
Request tax certificate |
- |
Yes |
Yes |
|
Update account address, phone number and email details |
- |
Yes |
Yes |
|
Update own address, phone number and email details |
Yes |
Yes |
Yes |
|
Add/remove cardholders |
- |
- |
Yes |
|
Close the account |
- |
- |
Yes |
In addition, the holder of the bank account from which the direct debit funding the activa Account is coming from may:
- Submit an updated direct debit form.
- Change the direct debit amount.
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If I have an activa Account, does this mean I'm a member of the Southern Cross Medical Care Society?
Yes, you're a member if you're an account holder. Any additional cardholders are also entitled to the benefits of membership. Supplementary cardholders, however, aren't members of the Society or entitled to the benefits of membership.
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What is the Serious Health Event policy?
If you're an activa Account holder or additional cardholder, you're entitled to receive a lump sum benefit cover for certain Serious Health Events. The payment level depends on your age at the time of the claimable event arising:
18 – 44 $3000
45 – 64 $2000
65+ $500
The Serious Health Event policy is included as part of your monthly account fee of $7.50 and is underwritten by Southern Cross Medical Care Society.
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