tap and pay

Bank accounts with Android Pay, Apple Pay and Samsung Pay

Replace your debit card with your eligible Android, Apple or Samsung smartphone.

Contactless payment services such as Apply Pay, Android Pay and Samsung Pay let you use your compatible smart phone to make purchases up to $100. This service can replace your typical PayPass / PayWave purchase. All you need to do is tap your phone on the contactless terminal when buying items. For transactions over the $100 limit, you may be prompted to enter your PIN.

Bank Account Offer

ING Orange Everyday Account

Bank Account Offer

$75 cash bonus & Apple Pay available.
Get a competitive ongoing variable rate when linked with an ING Savings Maximiser. Receive a $75 cash bonus if you open a new Orange Everyday account, enter the promotional code and deposit at least $1,000 within a calendar month (conditions apply)

  • Account keeping fee: $0.00
  • Linked debit card: Visa
  • ATM withdrawal fee: $0.00
  • Overseas EFTPOS fee: 2.5%
Go to site
Promoted
Rates last updated February 19th, 2018
$
Name Product Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee Product Description
ING Orange Everyday Account
Visa
$0
$1,000
$75 cash bonus & Apple Pay available.

Get a competitive ongoing variable rate when linked with an ING Savings Maximiser. Receive a $75 cash bonus if you open a new Orange Everyday account, enter the promotional code and deposit at least $1,000 within a calendar month (conditions apply)
ANZ Access Advantage
Visa
$0
$2,000
Apple Pay, Android Pay & ANZ Mobile Pay.
Take advantage of Apple Pay by linking your ANZ Visa Debit card to an eligible iPhone and seamlessly pay for purchases with your phone.
HSBC Day to Day Transaction Account
Visa
$0
$0
Your Visa debit card unlocks special privileges worldwide with the HSBC home&Away Privilege Program.
Bank Australia Everyday Access Account
Visa
$1.50
$2,000
Earn some interest on your everyday funds.

Everyday bank account that's potentially fee-free.
Australian Unity Healthy Banking Everyday Account
Visa
$0
$1,000
10% discount off Australian Unity health insurance
RACQ Bank Everyday Account
Visa
$0
$0
An account without excessive fees for withdrawals or transactions.
P&N Budgeting Account
Visa
$0
$0
A Budgeting Account could be the ideal banking solution for managing your expenses.

Compare up to 4 providers

Rates last updated February 19th, 2018
$
Name Product Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee Product Description
Westpac Choice
Mastercard
$0
$2,000
$0 ATM withdrawal fee at 50,000+ ATMs globally.
Via Westpac's Global ATM Alliance. Get cash without your debit card (conditions apply).
ANZ Access Advantage
Visa
$0
$2,000
Apple Pay, Android Pay & ANZ Mobile Pay.
Take advantage of Apple Pay by linking your ANZ Visa Debit card to an eligible iPhone and seamlessly pay for purchases with your phone.
ING Orange Everyday Account
Visa
$0
$1,000
$75 cash bonus & Apple Pay available.

Get a competitive ongoing variable rate when linked with an ING Savings Maximiser. Receive a $75 cash bonus if you open a new Orange Everyday account, enter the promotional code and deposit at least $1,000 within a calendar month (conditions apply)
Commonwealth Bank Smart Access
Mastercard
$0
$2,000
Get unlimited CBA electronic transactions using internet banking, phone banking, ATM and EFTPOS.
Bank of Sydney EveryDay Saver Account
Visa
$0
A unique transaction account that awards you a high interest rate, with all the flexibility of an everyday account.
RACQ Bank Everyday Account
Visa
$0
$0
An account without excessive fees for withdrawals or transactions.
Teachers Mutual Bank Everyday Direct Account
Visa
$0
$2,000
An everyday transaction account designed for electronic transactions.
Macquarie Transaction Account
Mastercard
$0
$0
Everyday banking with a linked Mastercard and protection against unauthorised transactions.

Compare up to 4 providers

Rates last updated February 19th, 2018
$
Name Product Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Monthly Account Fee Product Description
Westpac Choice
Mastercard
$0
$2,000
$0 ATM withdrawal fee at 50,000+ ATMs globally.
Via Westpac's Global ATM Alliance. Get cash without your debit card (conditions apply).
ANZ Access Advantage
Visa
$0
$2,000
Apple Pay, Android Pay & ANZ Mobile Pay.
Take advantage of Apple Pay by linking your ANZ Visa Debit card to an eligible iPhone and seamlessly pay for purchases with your phone.
Bendigo Bank Everyday Account
Mastercard
$0
$2,000
A transaction account that lets you easily manage your money and also easily link to a Bendigo Home Loan to offset your monthly interest.
CUA Everyday Account
Visa
$0
$0
An everyday bank account with a linked Visa debit card.
Citibank Plus Everyday Account
Mastercard
$0
$0
Free international money transfers and free overseas Citibank ATM withdrawals.
Bank Australia Everyday Access Account
Visa
$1.50
$2,000
Earn some interest on your everyday funds.

Everyday bank account that's potentially fee-free.

Compare up to 4 providers

Android Pay debit cards

  • American Express
  • ANZ (Visa, Amex, Mastercard)
  • Australian Unity
  • Bank Australia
  • Bank Of Sydney
  • Bankwest
  • Bendigo Bank
  • Beyond Bank Australia
  • Big Sky Building Society Limited
  • CAPE Credit Union Limited
  • Catalyst Money
  • Central West Credit Union Limited
  • Commonwealth Bank of Australia
  • Community First Credit Union
  • Credit Union Australia Ltd
  • Credit Union SA Ltd
  • Defence Bank Limited
  • Family First Credit Union
  • Firefighters Mutual Bank
  • First Option Credit Union
  • Goldfields Money
  • Goulburn Murray Co-Op Limited
  • Holiday Coast Credit Union Ltd
  • Horizon Credit Union
  • Illawarra Credit Union
  • ING DIRECT
  • Intech Credit Union Limited
  • Laboratories Credit Union Limited
  • Macquarie Bank
  • Maritime, Mining & Power Credit Union Ltd
  • MyState Bank Limited
  • Nexus Mutual
  • Northern Beaches Credit Union
  • Northern Inland Credit Union Limited
  • P&N Bank
  • People’s Choice Credit Union Ltd
  • Police Bank Limited
  • QT Mutual Bank Limited
  • Queenslanders Credit Union Limited
  • RACQ Bank
  • Reliance Bank
  • Select EMCOMPASS Credit Union
  • South West Slopes Credit Union Ltd
  • Sydney Credit Union Ltd
  • Teachers Mutual Bank Limited
  • The Mac Credit Union
  • The Rock Credit Union
  • UniBank
  • WAW Credit Union Co-Operative Limited
  • Westpac
  • Woolworths Employees’ Credit Union Limited
  • Wyong Shire Credit Union Limited

Apple Pay debit cards

  • American Express
  • ANZ (American Express credit cards, Mastercard credit cards, Visa credit and debit cards)
  • Bank Australia
  • Bank of Sydney
  • Bendigo Bank
  • Beyond Bank Australia
  • Big Sky Building Society Ltd.
  • CAPE Credit Union Ltd.
  • Catalyst Money
  • Central Coast Credit Union
  • Central Murray Credit Union
  • Central West Credit Union Ltd.
  • Community Alliance Credit Union Ltd.
  • Community First Credit Union Ltd.
  • Credit Union SA Ltd.
  • CUA
  • Customs Bank
  • Defence Bank
  • Firefighters Mutual Bank
  • First Option Credit Union
  • Goldfields Money Ltd.
  • Goulburn Murray Credit Union
  • Horizon Credit Union
  • Holiday Coast Credit Union Ltd.
  • HSBC
  • ING
  • Intech Credit Union Ltd.
  • Laboratories Credit Union Ltd.
  • Latitude Financial Services (Mastercard only)
  • Lombard Finance
  • MyState Bank Ltd.
  • Nexus Mutual
  • Northern Beaches Credit Union
  • Northern Inland Credit Union
  • Once Credit
  • P&N Bank
  • People's Choice Credit Union
  • Police Bank
  • Police Credit Union
  • RACQ Bank
  • Select Emcompass Credit Union
  • South West Slopes Credit Union
  • Sydney Credit Union Ltd.
  • Teachers Mutual Bank
  • The Mac
  • The Rock
  • UniBank
  • Unity Bank
  • Warwick Credit Union Ltd.
  • WAW Credit Union
  • Woolworths Employees' Credit Union

If you would like to compare credit cards instead, please see this guide.

Samsung Pay debit cards

  • ANZ
  • Australian Unity
  • Amex
  • Bank of Sydney
  • Bendigo Bank
  • Big Sky
  • Bank Australia
  • Beyond Bank Australia
  • BOQ
  • CITI
  • Central Coast
  • Central Murray
  • Catalyst Money
  • Community First
  • CUA
  • Customs Bank
  • Defence Bank
  • Firefighers Mutual
  • First Option
  • GO Mastercard
  • Holiday Coast
  • Horizon
  • Illawarra
  • Intech
  • Latitude Financial Services
  • Macarthur
  • NBCU
  • Nexus Mutual
  • People's Choice
  • P&N Bank
  • Police Bank
  • Queenslanders
  • RACQ Bank
  • Reliance Bank
  • Select Encompass
  • SWSCU
  • SCU Banking
  • Teachers Mutual
  • UniBank
  • Unity Bank
  • Virgin Money Australia
  • Westpac
  • WAW
  • wecu
  • 28 Degrees Platinum Mastercard

How do contactless payments work?

Android Pay, Apple Pay and Samsung Pay are ways to use your compatible smartphone to make purchases. At the time of writing, contactless payments are currently restricted to physical purchases. This means, shopping in-store.

As the contactless payments market develops in Australia, Apple Pay is hoping to introduce apps to purchase items in online shopping.

The process for Android Pay, Apple Pay and Samsung Pay is very similar to PayPass and payWave, where you hold your phone (instead of a debit card) to the terminal reader to pay for your shopping. The transaction is limited to $100 and you need to download an app to be able to use this feature.

What are the benefits of making contactless payments?

It's convenient

  • You don't need to carry your debit card around with you. So even if you've forgotten your wallet, you can still buy that coffee.

It's quick

  • Paying with your mobile is quick and easy and let's face it, it's too much of an effort to dig into your bag to find your wallet. Just hold the back of your phone against the terminal.

It's secure

  • All mobile purchases are safe and secure. It's backed by your bank's guarantee.

How do I set up Android Pay?

  1. You will need to open a bank account or credit card with a bank that allows Tap and Pay, or be an existing account holder.
  2. Download the relevant app on your Android phone
  3. Choose "Android Pay" from the home screen and follow the prompts

How do I set up Apple Pay?

  1. Open the Wallet up on your compatible iPhone
  2. Tap on the "+" sign on the top right hand corner
  3. Scan your debit card using your iPhone's camera
  4. Enter your card security code
  5. Accept the terms and conditions
  6. You may need to verify the setup via SMS

How do I set up Samsung Pay?

  1. You will need to open a bank account or credit card with a bank that allows Samsung Pay, or be an existing account holder.
  2. Download the relevant app on your Samsung phone
  3. Choose "Samsung Pay" from the home screen and follow the prompts

What are the minimum requirements for Android Pay?

You'll need a compatible NFC-enabled phone running Android 4.4 (KitKat) or above. Also, you'll need to be able to download the relevant app. This includes (but is not limited to): Samsung Galaxy S7, S7 Edge, S6, S6 Edge, S6 Edge+, S5, S5 Mini, S4, Note 5, Note 4 Edge, Note 4, Note 3 or Alpha

What are the minimum requirements for Apple Pay?

You will need a compatible iPhone: iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPhone 7, iPhone 7 Plus, iPhone 8, iPhone 8 Plus, iPhone X and iPhone SE.

What are the minimum requirements for Samsung Pay?

You will need a compatible Samsung phone: Galaxy Note 8, Galaxy S8 and S8+, Galaxy S7 and S7 edge, Galaxy S6 edge+, Galaxy S6 and S6 edge, Galaxy A7, Galaxy A5, Galaxy Note5 or Galaxy J5 Pro.

What if I don't have an eligible handset for Android Pay?

If you bank with the Commonwealth Bank, you can purchase a PayTag for a one-off fee of $2.99. A PayTag is a small sticker you can place directly on the back of your phone towards the bottom. Ensure you place it at the bottom so it doesn't interfere with the battery. The set up process is the same. Unfortunately PayTags are not offered by anyone else.

Can I link it to my debit card and credit card?

Financial InstitutionAvailability
Commonwealth BankDebit cards and credit cards
ANZDebit cards and credit cards
NABDebit cards and credit cards

Are contactless purchases safe?

Most banks offer some sort of guarantee to protect your money. For the Commonwealth Bank, it's called the 100% online security guarantee. For Westpac, it's called the Fraud Money Back Guarantee. This means that the bank should cover any loss you may make from unauthorised transactions on your online account. The terms and conditions state that you need have been logged in and you notify the bank immediately of the loss, theft, or misuse of your password.

Shirley Liu

Shirley Liu is a program manager at finder, formerly the publisher for Banking and Investments. She is passionate about helping people make an informed decision, save money and find the best deal for their needs.

Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

2 Responses

  1. Default Gravatar
    GordoJune 10, 2016

    With tap and pay is your phone susceptible to being skimmed like cards with paypass etc.?

    • Staff
      ClarizzaJune 16, 2016Staff

      Hi Gordo,

      Thanks for your question.

      There are always risks involved – however most banks monitor Tap and Pay transactions and will back and reimburse you if there has been any fraudulent transactions made.

      Cheers
      Clarizza

Ask a question