Ouch LS, glad you caught it pretty early. We are with ANZ too and have a visa debit, but we set it up separately to our other accounts and only put money into it if we are going to buy something online that same day. I nearly did transfer the money I got from family tax this week into it, to keep it separate from our main account and decided not to. Glad I did now. I used my visa debit heaps online, if I can't paypal.