Australian banks with Samsung Pay
Samsung Pay lets you make contactless, tap and go payments without your debit card. See a list of banks which offer Samsung Pay here.
Key takeaways
- Make secure contactless payments in store or online using your Samsung device.
- Before setting up, confirm your Australian bank supports Samsung Pay for your card.
- Thirty percent of Australians use mobile payments, valuing Samsung Pay's secure and convenient tap and go.
Debit cards with Samsung Pay
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Australian banks that offer Samsung Pay
See the Australian banks that offer Google Pay, Samsung Pay and/or Apple Pay in the table below.
| Bank | Apple Pay | Samsung Pay | Google Pay |
|---|---|---|---|
| Westpac |  | | |
| AMP | | | |
| ANZ | | | |
| Australian Military Bank | | | |
| AWA Alliance Bank | | | |
| NAB | | | |
| CommBank (CBA) | | | |
| BankSA | | | |
| BankVic | | | |
| Bank Australia | | | |
| Bank of Heritage Isle | | | |
| Bank of Melbourne | | | |
| Bank of Sydney | | | |
| BankWAW | | | |
| BCU | | | |
| BDCU Alliance Bank | | | |
| Bendigo Bank | | | |
| Beyond Bank Australia | | | |
| Big Sky Building Society | | | |
| Bank of Queensland (BAQ) | | | |
| CAPE Credit Union | | | |
| Australian Unity | | | |
| Bankwest | | | |
| Catalyst Money | | | |
| Central Murray Credit Union | | | |
| Central West Credit Union | | | |
| Citi | | | |
| Community First Bank | | | |
| Central Coast Credit Union | | | |
| Community Alliance Credit Union | | ||
| Credit Union SA | | | |
| Border Bank | | | |
| Defence Bank | | | |
| Endeavour Mutual Bank | | | |
| Family First Credit Union | | ||
| Firefighters Mutual Bank | | | |
| First Option Credit Union | | | |
| Ford Credit Union | | | |
| Goldfields Money | | | |
| Goulburn Murray Credit Union | | | |
| Great Southern Bank | | | |
| Heritage 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 | | ||
| Maritime Mining & Power Credit Union | | ||
| Macquarie Bank | | | |
| MyState Bank | | | |
| ME Bank | | | |
| 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 | | | |
| RACQ | | | |
| Reliance Bank | | | |
| South West Slopes Credit Union | | | |
| Sydney Credit Union | | | |
| Suncorp | | | |
| Teachers Mutual Bank | | | |
| The Mac | | | |
| UniBank | | | |
| Ubank | | | |
| Unity Bank | | | |
| Warwick Credit Union | | ||
| Woolworths Employees’ Credit Union | | | |
| Queenslanders Credit Union | | | |
| Virgin Money | |
What is Samsung Pay?
Samsung Pay is a service within the Samsung Wallet app that lets you make payments inside stores and online with your Samsung phone, instead of using your physical debit card. The app securely stores digital copies of your various bank cards, such as your debit and credit card, allowing you to hit the shops without your physical wallet or any cash on you at all.
Just like regular contactless tap and go payments made with your debit card, you don't need to enter a PIN for transactions less than $100. Samsung Pay is fast, easy to use and allows you to leave the house with just your phone in hand and still make purchases.
Are Samsung Pay and Android Pay different things?
Yes. Android Pay was the digital wallet solution built by Google, and it has since rebranded to be called Google Pay. If you’ve got a compatible device, you could use either Samsung Pay or Google Pay on your Android phone. This will depend on which app your bank supports, as well as your own personal preference.
How does Samsung Pay work?
Samsung Pay uses Near Field Communication (NFC) technology. This enables your Samsung smartphone or Galaxy Watch to communicate with a payment terminal when used to tap and pay, and is similar to how a traditional debit card chip operates. The debit card details are securely transferred to the EFTPOS terminal using NFC, allowing the transaction to take place without the need to swipe a physical debit card. Both Google Pay and Apple Pay also rely on NFC technology.
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.
Where can you use Samsung Pay?
Samsung Pay is accepted at millions of locations worldwide in all stores that already accept contactless payments with traditional debit and credit cards. If you see the contactless payment symbol, or the Samsung Pay logo, you’ll be able to use Samsung Pay to securely tap and pay for transactions under $100 without using a PIN.
How to setup Samsung Pay on your smartphone
Setup Samsung Pay in a few easy steps and start making contactless payments right away.
- Ensure you have an eligible device and debit card. Check you have a compatible Samsung Galaxy phone (Samsung lists compatible devices on its website), and that your bank supports Samsung Pay. You can search for your bank in the table above.
- Download the app. Samsung Pay is now part of the Samsung Wallet app, which your device may already have installed. If not, download Samsung Wallet for free from the Galaxy Store.
- Complete the setup process. Sign into the app and add your Samsung account details. There’s a handy video to watch when you first install the app, which explains how to use it. Select which verification you’d like from either fingerprint login, iris scan or pin.
- Add your debit card. You can now add your debit card details and start using the app.
How to setup Samsung Pay on your smartwatch
If you have a compatible Samsung Galaxy Watch, follow these steps to setup Samsung Pay on your watch.
- Check your watch is compatible. Samsung Pay works on compatible Galaxy phones and smartwatches, and your bank needs to support Samsung Pay.
- Follow Samsung's setup steps. Samsung's website has the current steps for adding your card to Samsung Pay on your watch model.
How do I use Samsung Pay once it’s installed?
To use Samsung Pay to make a payment in-store, you need to unlock your phone by using your fingerprint, PIN or iris (eye) scan. This will ensure it’s you making the payment. Then, simply hold the smartphone over the payment terminal as you would when using your debit card for a tap and go payment. Easy! If you’re making a purchase within an app, for example a food delivery app, just select the Samsung Pay option when checking out to avoid manually entering your card details.
To pay using your Galaxy Watch, hold your watch over the payment terminal to make a tap and go payment.
Is Samsung Pay safe?
When using Samsung Pay to make payments with your phone, you’re still covered by the same fraud and security protections that you bank normally offers. The app doesn’t store your payment information, nor does it share your bank account details with merchants when your make a payment. When you make a payment, the app generates a random unique number for the transaction instead of your real debit card number
If you happened to lose your phone and someone found it, they wouldn’t be able to use it to make purchases. This is because every transaction made using Samsung Pay requires you to enter a PIN code or use your fingerprint to verify it’s actually you first. Plus, you can also delete the details in your Samsung Pay account remotely, if you were to lose your phone.
Pros and Cons of using Samsung Pay
Pros
- You can use it to make purchases in-store, within apps and online
- It’s safe and secure, and your card details aren’t shared with merchants
- You don’t have to bring cash or your debit card when you’re out and about
- Supported by a range of Samsung smartwatches as well as phones
Cons
- You need an eligible Samsung device, so it’s more limiting than Google Pay which works on a large range of Android devices
- Not all banks offer Samsung Pay yet
What is Apple Pay and Google Pay?
While Samsung Pay is for Samsung devices, Apple Pay is the contactless payment app for Apple devices. Apple Pay can be used on a range of eligible iPhones as well as compatible Apple Watches. Apple Pay is just as secure as Samsung Pay, and requires users to either enter a PIN or use their iris scan or fingerprint to verify a payment. You can read our Apple Pay guide here.
Google Pay is the digital wallet solution developed by Google, and is the consolidation of Android Pay and Google Wallet. Google Pay is perhaps les limiting than both Apple Pay and Samsung Pay, as it’s supported by a large range of Android devices. You can read our guide on Google Pay here.
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I am to receive a Samsung S7 in a week or so, I was wondering if ING will be supporting Samsung Pay anytime soon?
Hi Mykl6246,
Thank you for getting in touch with Finder.
As of this writing, we do not have info on Samsung Pay on ING. Once ING sent confirmation on this matter, we’ll surely update this page you’re looking at. You may also contact ING directly on this matter.
I hope this helps.
Thank you and have a wonderful day!
Cheers,
Jeni