Banks with Apple Pay in Australia

Australian banks that offer Apple Pay

Check if your bank offers Apple Pay, Samsung Pay and/or Google Pay in the table below, or jump ahead to the guide on how to use Apple Pay.

Bank	Apple Pay	Samsung Pay	Google Pay
Westpac
Adelaide Bank
AMP
ANZ
Arab Bank Australia
Australian Military Bank
Auswide Bank
AWA Alliance Bank
NAB
CommBank (CBA)
BankSA
BankVic
BankWAW
Bank Australia
Bank First
Bank of Heritage Isle
Bank of Melbourne
Bank of Sydney
BCU
BDCU Alliance Bank
Bendigo Bank
Beyond Bank Australia
Big Sky Building Society
Bank of Queensland (BOQ)
Bank of Us
Australian Unity
Bankwest
Catalyst Money
Central Murray Credit Union
Central West Credit Union
Citi
Coastline Credit Union
Community First Bank
Central Coast Credit Union
Credit Union SA
Border Bank
Defence Bank
Endeavour Mutual Bank
Family First Bank
Firefighters Mutual Bank
First Option Credit Union
Ford Credit Union
Greater Bank
Goulburn Murray Credit Union
Great Southern Bank
Hay
Heritage Bank
Holiday Coast Credit Union
Horizon Credit Union
HSBC
Hume Bank
ING
Illawarra Credit Union
IMB Bank
Intech Credit Union
Laboratories Credit Union
Latitude Financial Services
Lombard Finance
Macquarie Bank
ME Bank
MOVE Bank
MyState Bank
Newcastle Permanent
Nexus Mutual
Northern Beaches Credit Union
Northern Inland Credit Union
Once Credit
Orange Credit Union
P&N Bank
People’s Choice Credit Union
Police Bank
Police Credit Union
QBank
Queensland Country Bank
Qudos Bank
RACQ
Reliance Bank
South West Slopes Credit Union
Sydney Credit Union
Suncorp
Teachers Mutual Bank
The Mac
The Mutual Bank
The Rock
UniBank
Ubank
Unity Bank
Warwick Credit Union
Woolworths Employees’ Credit Union
Queenslanders Country Bank
Virgin Money
Up Bank

What is Apple Pay?

Apple Pay is a digital wallet that allows you to make contactless purchases in store or online using just your iPhone or Apple device, without your physical debit card. Apple Pay is a digital wallet that securely stores your debit or credit card information within the app. Apple Pay replaces your physical debit card, meaning you can go out with just your phone and still make purchases. You can use the app to make contactless payments in store and online using just your iPhone or Apple device, such as an Apple Watch.

How does Apple Pay work?

In simple terms, Apple Pay is a digital version of your existing wallet. By downloading Apple Pay, you can make purchases with your phone by tapping the EFTPOS terminal in the same way that you’d use your debit card to make a tap-and-go payment. Because all your card information is securely stored within the app, it’s very similar to using your physical debit card to tap and go.

To get a bit more technical, Apple Pay uses a near-field-communication (NFC) chip within your smartphone or Apple device to connect to an EFTPOS terminal in replace of your debit card. This chip communicates to a merchant’s point of sale payment terminal and enables the payment to be processed in the same way that a debit card works. This process all happens within seconds of tapping your smartphone or Apple device on the terminal.

Australian debit cards with Apple Pay

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Finder Score	Monthly fee	Govt. Guarantee	Own network ATM fee	Card type
Promoted Finder score 8.4Great Suncorp Bank Everyday Options Account Apple Pay Google Pay Samsung Pay	Finder score 8.4Great	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	Eligible Visa Debit cardholders can get cashback when using their card to shop at partner retailers. You can link up to 9 sub-accounts to your Everyday Options Account to help you manage your budget and different expenses.	Go to siteMore info Compare product selection Compare	loading
Promoted Finder score 9.3Excellent ING Orange Everyday Account Apple Pay Google Pay	Finder score 9.3Excellent	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	Welcome bonus: Get $100 when you open a new Orange Everyday and Savings Maximiser account with code OEJOIN100 and deposit $1000, plus make 5 debit purchases by 30 Nov 2025 (T&Cs apply).	Go to siteMore info Compare product selection Compare	loading
Promoted Finder score 9.6Excellent St.George Complete Freedom Account Apple Pay Google Pay Samsung Pay	Finder score 9.6Excellent	Monthly fee $0	Government Guarantee	Own network ATM fee $0	Card type Visa	Get $50 cashback when you open a new account and make an in-person, contactless transaction from a mobile wallet worth $50 or more within the first 15 days (T&C's apply).	Go to siteMore info Compare product selection Compare	loading

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Where to use Apple Pay

You can use Apple Pay in-store almost anywhere, from cafes and restaurants to retail shops, grocery chains and service stations. Apple Pay works on any terminal that already accepts contactless, tap-and-go payments.

You can also use Apple Pay to pay for things online and within a range of apps. For example, if you’re ordering Friday-night takeaway on a food delivery app you can simply select “Buy with Apple Pay” to complete the transaction instead of manually entering your card details. The app or website will tell you when you’re making the purchase if it supports Apple Pay.

Which iPhones offer Apple Pay?

The following iPhones are compatible with Apple Pay

Which iPads offer Apple Pay?

Which Apple Watch devices offer Apple Pay?

How to set up Apple Pay

Setting up Apple Pay is much easier than you’d think. You just need to follow these two simple steps:

1. Ensure you have an eligible device and debit card. To set up Apple Pay, you’ll first need to make sure you have an eligible phone from the list above as well as an eligible debit card from a participating bank.
2. Add your card. Navigate to Wallet within your iPhone and click the blue plus sign to add a new card. Add in your card security details, and your bank will verify your details. Once this has been verified, your card will appear within the Wallet and you can start using Apple Pay. Easy!

How do I use Apple Pay?

In order to verify the transaction, you’ll be required to use your fingerprint or facial ID when making payments with Apple Pay. Just like the simple set-up process, this is less complicated than it sounds.

If you’re using an iPhone 8 or earlier device: When making a payment with Apple Pay, you need to open the Wallet, rest your finger on the Touch ID reader (the middle button on your phone) and hover your phone above the EFTPOS terminal. The payment will be made with your default card, unless you select to use another.

Face ID on iPhone X works in a similar way, except instead of using your fingerprint you need to double-click the side button on your phone then look at the Face ID symbol on the screen. Your phone will register that it’s you, and then enable you to make a payment by again hovering your phone above the contactless terminal. This may sound fiddly and complicated, but it actually only takes a couple of seconds in total.

"I don't think I have used my physical debit card or cash in years, and I never even leave the house with my wallet anymore. I make all my purchases using Google Pay on my phone - I find this so easy and convenient, plus it's safer than carrying around cash because I need to unlock my phone with my fingerprint before I can buy something."

Alison Banney

Editorial Manager, Money

Is Apple Pay safe?

Yes! Apple Pay uses a number specific to your device in combination with a unique transaction code when you make a purchase. This means that your debit card details, such as the card number and expiry date, aren’t actually stored on your device or by Apple. Plus, you need to use Touch ID or enter a PIN number each time you make a payment with Apple Pay.

In many ways, it’s actually safer than using your physical debit card to make purchases. You can easily misplace your debit card or leave it visible for people to copy the card number. However most people need to enter a PIN number to unlock their smartphone, or even require their own fingerprint to unlock their phone. On top of this, you’re required to use Touch ID, Face ID or enter a PIN when making a payment.

How do I use Apple Pay on my Apple Watch?

With Apple Watch, you can make payments with the flick of your wrist. The benefit of an Apple Watch is that you can travel even lighter, meaning you can still make purchases without your physical wallet or even your phone. An example of when an Apple Watch would be handy is if you’re going for a run and you don’t want to have to carry your phone with you, but you’d like to be able to purchase a post-run coffee.

To use Apple Pay on your Apple Watch, you’ll first need to add your card to the watch. You can do this via the Apple Watch app on your iPhone. Once your card is successfully added, you can use your Apple Watch to make purchases. You need to double-click the side button on the watch and hover the screen above the EFTPOS terminal. You’ll feel a slight tap or vibration, meaning that your purchase has been successful.

Pros and Cons of using Apple Pay

What are Google Pay and Samsung Pay?

While Apple Pay is the digital wallet offered by tech giant Apple, Google Pay is the digital wallet solution offered by Google and Samsung Pay (you guessed it) is the digital wallet developed by Samsung. It’s important to note that Google Pay is the combination of Android Pay and Google Wallet; Google rebranded to the single name “Google Pay” in early 2018.

If you don’t have a compatible Apple device, you could instead use Google Pay or Samsung Pay to make contactless payments using your phone. These digital wallets work in a very similar way to Apple Pay. For more information on these digital wallets, check out our guide to Samsung Pay here and our guide to Google Pay here.

Frequently Asked Questions

• Where is Apple Pay accepted Australia?

  Apple Pay is widely accepted across Australia at retailers, restaurants, online stores and anywhere contactless payments are available.

• What cards can I add to Apple Wallet Australia?

  In Australia, you can add most debit and credit cards from major banks and financial institutions to Apple Wallet, including Visa, Mastercard and American Express.

• Can I use Apple Pay at ATM Australia?

  Yes, you can use Apple Pay at selected ATMs in Australia that support contactless withdrawals. This is typically available at major banks like Commonwealth Bank and ANZ.

• Can I use Apple Pay at Coles?

  Yes, you can use Apple Pay at Coles supermarkets across Australia. Coles accepts contactless payments, including Apple Pay, at all their checkouts.

Written by

Alison Banney

Editorial Manager, Money

Alison is an editor at Finder and a personal finance journalist with over 10 years of experience, having contributed to major financial institutions and publications such as Westpac, Money Magazine, and Yahoo Finance. She is frequently quoted in media outlets like SmartCompany and SBS, offering expert insights on superannuation and money management. Alison holds a Bachelor of Communications in Public Relations and Journalism from the University of Newcastle, and has earned three ASIC RG146 certifications in superannuation, securities and managed investments and general financial advice, ensuring her expertise is fully aligned with ASIC standards. See full bio

Alison's expertise

Alison has written 655 Finder guides across topics including:

• Superannuation
• Savings accounts, bank accounts and term deposits
• Budgeting and money-saving hacks
• Managing the cost of living