Banks with Apple Pay in Australia
Here's a table of Australian banks that offer Apple Pay, plus how to use the digital wallet to make contactless purchases.
Key takeaways
- Many Australian banks offer Apple Pay for secure, convenient, contactless payments in store and online.
- You can find many accounts with Apple Pay that have no monthly fees.
- Setup is easy and Apple Pay enhances security using Face ID or Touch ID.
Australian debit cards with Apple Pay
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How we picked these
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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 (now MyCard, issued by NAB) | | | |
| 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 (now People First Bank) | | | |
| Holiday Coast Credit Union | | | |
| Horizon Credit Union | | | |
| 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 First Bank (formerly Heritage Bank and People’s Choice Credit Union) | | | |
| Police Bank | | | |
| Police Credit Union | | | |
| QBank | | | |
| Queensland Country Bank | | | |
| Qudos Bank | | | |
| 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.
Finder data shows that 30% of Australians have their debit or credit card connected to their smartphone or watch, while a further 10% plan to in the near future.
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 place 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.
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
- iPhone models with Face ID
- iPhone models with Touch ID (except iPhone 5s)
Which iPads offer Apple Pay?
- iPad Pro
- iPad Air
- iPad models with Touch ID or Face ID
- iPad mini models with Touch ID or Face ID
Which Apple Watch devices offer Apple Pay?
- Apple Watch Series 1 and later
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:
- 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.
- 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?
To verify each Apple Pay payment, you’ll need to confirm it with Face ID, Touch ID or your passcode. Just like the simple set-up process, this is less complicated than it sounds.
If your iPhone has Touch ID: Double-click the Home button and confirm with Touch ID (or your passcode), then hold the top of your phone near the contactless terminal until you see Done and a tick. The payment will be made with your default card, unless you tap it and choose another.
If your iPhone has Face ID: Double-click the side button, then glance at your phone to confirm with Face ID (or enter your passcode). Hold the top of your phone near the contactless terminal until you see Done and a tick. This may sound fiddly, but it 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."
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 Face ID, Touch ID or your passcode 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 your passcode 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
Pros
- It’s more secure than using your debit card or cash
- You can travel light without carrying a physical wallet
- You can use it to make purchases in-store, within apps and online
Cons
- You need an eligible device to use Apple Pay, it doesn’t work on Android or other devices
- Not all banks offer 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.
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