Banks with Apple Pay in Australia

Here's a table of Australian banks that offer Apple Pay, plus tips on how to use the digital wallet to make contactless purchases.

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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. If it doesn't, compare bank accounts that do offer Apple Pay.

Bank Apple PaySamsung PayGoogle Pay
CommBank (CBA)NoNoNo
Bank AustraliaNoNoNo
Bank of SydneyNoNoNo
Bendigo BankNoNoNo
Beyond Bank AustraliaNoNoNo
Big Sky Building SocietyNoNoNo
Bank of Queensland (BAQ)No
CAPE Credit UnionNoNo
Australian UnityNoNoNo
Catalyst MoneyNoNoNo
Central Murray Credit UnionNoNoNo
Central West Credit UnionNoNo
Community First Credit UnionNoNo
Defence BankNo
Central Coast Credit UnionNoNoNo
Community Alliance Credit UnionNo
Credit Union SANoNo
Border BankNoNo
Defence BankNoNoNo
Endeavour Mutual BankNoNoNo
Family First Credit UnionNo
Firefighters Mutual BankNoNoNo
First Option Credit UnionNoNoNo
Ford Credit UnionNoNo
Goldfields MoneyNoNo
Greater BankNo
Goulburn Murray Credit UnionNoNo
Great Southern BankNoNoNo
Holiday Coast Credit UnionNoNoNo
Horizon Credit UnionNoNoNo
Illawarra Credit UnionNoNoNo
Intech Credit UnionNoNoNo
Laboratories Credit UnionNoNo
Latitude Financial ServicesNoNoNo
Lombard FinanceNo
Maritime Mining & Power Credit UnionNo
Macquarie BankNoNo
MyState BankNoNoNo
Nexus MutualNoNoNo
Northern Beaches Credit UnionNoNoNo
Northern Inland Credit UnionNoNo
Once CreditNo
P&N BankNoNoNo
People’s Choice Credit UnionNoNoNo
Police BankNoNoNo
Police Credit UnionNoNo
Reliance BankNoNoNo
South West Slopes Credit UnionNoNoNo
Sydney Credit UnionNoNoNo
Teachers Mutual BankNoNoNo
The MacNoNoNo
The RockNoNo
Unity BankNoNo
Warwick Credit UnionNo
WAW Credit UnionNoNoNo
Woolworths Employees’ Credit UnionNoNoNo
Queenslanders Credit UnionNoNo
Virgin MoneyNo
86 400NoNoNo
Up BankNoNoNo

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 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.

Bank account offer
HSBC Everyday Global Account
monthly fee
ATM withdrawal fee
  • Google Pay, Apple Pay
  • Monthly fees: $0
  • No international transaction fees
  • Up to 10 currencies

HSBC Everyday Global Account

Special offer: $100 cash bonus for new HSBC customers. Earn 2% cashback on tap and pay purchases (T&C's apply).
Special offer: $100 cash bonus for new HSBC customers. Earn 2% cashback on tap and pay purchases (T&C's apply).

Australian debit cards with Apple Pay

Name Product Contactless Payments Instant Payments ATM Withdrawal Fee Monthly account fee
HSBC Everyday Global Account
Google Pay, Apple Pay
Special offer: $100 cash bonus for new HSBC customers.
Earn 2% cashback on tap and pay purchases (T&C's apply).
Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available.

NAB Classic Banking
Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Osko, PayID
Enjoy convenient, unlimited access to your money.
$0 monthly account fee.

Tap and pay with your NAB Visa Debit card or your phone using Apple Pay, Google Pay, Samsung Pay or NAB Pay for Android. Temporarily block your card at the touch of a button if you lose it.
MyState Bank Glide Account
Google Pay, Apple Pay, Samsung Pay, Fitbit Pay, Garmin Pay
Osko, PayID
Simplify your everyday banking with these sleek digital features.
$0 monthly account fee.
Choose the way you pay with access to Google, Samsung and Apple Pay plus Fitbit Pay and Garmin Pay. Send and receive money in less than 60 seconds with PayID.
Virgin Money Go Account
Google Pay, Apple Pay, Samsung Pay
Osko, PayID
Special offer: Welcome bonus of 5,000 Virgin Money Points (T&Cs apply).
$0 monthly account fee.

A transaction account that gives you Virgin Money Points on your everyday spend, access to perks and rewards. Plus, earn a competitive bonus interest rate on your Virgin Money Boost savings account.
Suncorp Everyday Options Account
Google Pay, Apple Pay
Osko, PayID
Link up to 9 interest-earning sub accounts.
$0 monthly account keeping fees.
Earn interest on your linked sub accounts to help you save for individual goals, with no account fees to pay. Make contactless payments using Google Pay and Apple Pay.
Great Southern Bank Everyday Snap Account
Refund of international ATM withdrawal fees and international card transaction fees (conditions apply).
$0 monthly account fee. Unlimited fee-free everyday transactions.
Apple Pay, Google Pay and Samsung Pay available. Savings Top Up tool automatically transfers to linked savings account.
Citi Global Currency Account
Apple Pay, Samsung Pay
Osko, PayID
Earn up to 0.75% p.a. interest on your AUD balance.
$0 monthly account fee.
Enjoy one linked debit card to hold up to 10 currencies and receive foreign currencies for free.
Great Southern Bank Everyday Account
Enjoy flexible payment options and access to a wide network of ATMs.
$0 monthly account fee.
Access to Google, Samsung and Apple Pay. Enjoy fee-free cash withdrawals from 10,000+ ATMs across Australia.

Compare up to 4 providers

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 6
  • iPhone 6 Plus
  • iPhone 6s
  • iPhone 6s Plus
  • iPhone 7
  • iPhone 7 Plus
  • iPhone 8
  • iPhone 8 Plus
  • iPhone X
  • iPhone SE

Which iPads offer Apple Pay?

  • iPad (6th generation)
  • iPad Pro
  • iPad (5th generation)
  • iPad Air 2
  • iPad mini 4
  • iPad mini 3

Which Apple Watch devices offer Apple Pay?

  • Apple Watch (1st generation)
  • Apple Watch Series 1
  • Apple Watch Series 2
  • Apple Watch Series 3

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.

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


  • 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


  • 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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