tap and pay

Bank accounts with Apple Pay, Android Pay and Tap and Pay

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

Tap and Pay and Apple Pay services 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.

Rates last updated June 24th, 2017
$
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
ANZ Access Advantage
Download NAB Mobile Pay for Android and choose from 1 of 3 payment options
Visa $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 monthly fee applies. Unlimited free withdrawals at ANZ ATMs. Go to site More
NAB Classic Banking
Download the NAB App for Android and click on "NAB Pay"
Visa $0 $0 $0 account keeping fees with no deposit conditions. Unlimited free withdrawals at NAB and rediATMs. Go to site More
Westpac Choice
Download the Westpac Mobile Banking app for Android and select the "Pay" icon
Mastercard $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 monthly fee applies. Unlimited free withdrawals at St.George, Westpac, Bank of Melbourne and BankSA ATMs. Go to site More
Bank Australia Everyday Access Account
Download the Bank Australia app for Android. Display the app menu on the top left and scroll down to "Tap and Pay"
Visa $1.50 $2,000 Access to over 3,000 rediATMs. No monthly fee if you at least deposit $2,000 per month, or have a loan or investment of $50,000 with Bank Australia, or are under 25 years of age. More
Commonwealth Bank Smart Access
Download the CommBank app for Android. Select "Tap and Pay" from the home screen.
Mastercard $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $4 fee applies. Unlimited free withdrawals at CBA ATMs. More
CUA Everyday Account
Download the redi2PAY mobile app and register your debit card.
Visa $0 $0 No monthly account keeping fee and no fees for everyday card purchases. Access to the RediATM network. More
Rates last updated June 24th, 2017
$
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
ANZ Access Advantage
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.
Visa $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 monthly fee applies. Unlimited free withdrawals at ANZ ATMs. Go to site More
CUA Everyday Account
An everyday bank account with a linked Visa debit card.
Visa $0 $0 No monthly account keeping fee and no fees for everyday card purchases. Access to the RediATM network. More
Bank Australia Everyday Access Account
Earn some interest on your everyday funds.
Everyday bank account that's potentially fee-free.
Visa $1.50 $2,000 Access to over 3,000 rediATMs. No monthly fee if you at least deposit $2,000 per month, or have a loan or investment of $50,000 with Bank Australia, or are under 25 years of age. More
Australian Unity Healthy Banking Everyday Account
10% discount off Australian Unity health insurance
Visa $0 $1,000 $0 monthly account keeping fees when linked to a home loan with Australian Unity or when you deposit $1000 per month. More
QT Mutual Bank Everyday Account
An account without excessive fees for withdrawals or transactions.
Visa $0 $2,000 No monthly fees when $2,000 is deposited into this account per month. No ATM fees when using the 3000 rediATMs in Australia. More
P&N Budgeting Account
A Budgeting Account could be the ideal banking solution for managing your expenses.
Visa $0 $0 No monthly fee with fee-free transactions. More
Rates last updated June 24th, 2017
$
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
ANZ Access Advantage
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.
Visa $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 monthly fee applies. Unlimited free withdrawals at ANZ ATMs. Go to site More
Westpac Choice
$0 ATM withdrawal fee at 50,000+ ATMs globally.
Via Westpac's Global ATM Alliance. Get Cash without your debit card (conditions apply).
Mastercard $0 $2,000 $0 account keeping fees if you deposit at least $2,000 per month. Otherwise, a $5 monthly fee applies. Unlimited free withdrawals at St.George, Westpac, Bank of Melbourne and BankSA ATMs. Go to site More
Bank of Sydney EveryDay Saver Account
A unique transaction account that awards you a high interest rate, with all the flexibility of an everyday account.
Visa $0 $1,000 No monthly fee + free unlimited ATM withdrawals from any Bank of Sydney ATM or RediATM in Australia. More
QT Mutual Bank Everyday Account
An account without excessive fees for withdrawals or transactions.
Visa $0 $2,000 No monthly fees when $2,000 is deposited into this account per month. No ATM fees when using the 3000 rediATMs in Australia. More
Teachers Mutual Bank Everyday Direct Account
An everyday transaction account designed for electronic transactions.
Visa $0 $2,000 Monthly fee is waived if you meet the deposit requirements: access to rediATMs, NAB ATMs and BoQ ATMs. More
Macquarie Transaction Account
Everyday banking with a linked Mastercard and protection against unauthorised transactions.
Mastercard $0 $0 Free access to all domestic ATMs in Australia including the rediATM network. More

Android Pay debit cards

  • American Express
  • ANZ (Visa, Amex, Mastercard)
  • 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
  • Community First Credit Union
  • Credit Union Australia Ltd
  • Credit Union SA Ltd
  • Defence Bank Limited
  • Nexus Mutual
  • First Option Credit Union
  • 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
  • Maritime, Mining & Power Credit Union Ltd
  • MyState Bank Limited
  • Northern Beaches Credit Union
  • Northern Inland Credit Union Limited
  • People’s Choice Credit Union Ltd
  • Police Bank Limited
  • QT Mutual Bank Limited
  • Queenslanders Credit Union Limited
  • Select ENCOMPASS Credit Union Limited
  • South West Slopes Credit Union Ltd
  • Sydney Credit Union Ltd
  • Teachers Mutual Bank Limited
  • The Mac
  • The Rock
  • WAW Credit Union Co-Operative Limited
  • 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
  • Beyond Bank Australia
  • Big Sky Building Society Ltd.
  • CAPE Credit Union Ltd.
  • Central West Credit Union Ltd.
  • Community Alliance Credit Union Ltd.
  • Community First Credit Union Ltd.
  • Credit Union SA Ltd.
  • CUA
  • Defence Bank
  • Nexus Mutual
  • First Option Credit Union
  • Goldfields Money Ltd.
  • Goulburn Murray Credit Union
  • Horizon Credit Union
  • Holiday Coast Credit Union Ltd.
  • Intech Credit Union Ltd.
  • Laboratories Credit Union Ltd.
  • Lombard Finance
  • MyState Bank Ltd.
  • Northern Inland Credit Union
  • Once Credit
  • P&N Bank
  • People's Choice Credit Union
  • Police Bank
  • QT Mutual Bank
  • Select Encompass Credit Union Ltd.
  • South West Slopes Credit Union
  • Sydney Credit Union Ltd.
  • Teachers Mutual Bank
  • The Mac
  • Warwick Credit Union Ltd.
  • WAW Credit Union
  • Woolworths Employees' Credit Union
  • Wyong Shire Credit Union

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

How does Tap and Pay and Apple Pay work?

Tap and Pay and Apple Pay are ways to use your compatible smartphone to make purchases. Tap and Pay is the term used for Android devices. Apple Pay is the term used for (surprise, surprise) Apple devices. At the time of writing, Tap and Pay and Apple Pay are currently restricted to physical purchases. This means, shopping in-store.

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

The process for Tap and Pay and Apple 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 using Tap and Pay?

It's convenient

  • Tap and Pay means 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 Tap and 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 "Tap and 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

What are the minimum requirements for Tap and 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 and iPhone SE.

What if I don't have an eligible handset for Tap and 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, not available for credit cards at the time of writing
WestpacDebit cards and credit cards
ANZDebit cards and credit cards
NABDebit cards and credit cards

Is Tap and Pay 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 is finder.com.au's publisher for banking and investments. She has completed a Masters in Commerce (Finance) and is the author of hundreds of articles. She is passionate about helping Aussies make an informed decision, save money and find the best deal for their needs.

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2 Responses to Bank accounts with Apple Pay, Android Pay and Tap and Pay

  1. Default Gravatar
    Gordo | June 10, 2016

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

    • Staff
      Clarizza | June 16, 2016

      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

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