tap and pay

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

Information verified correct on October 25th, 2016

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.

At the time of writing, ANZ is the only bank that support both Apple Pay and Tap and Pay. A range of other banks have Tap and Pay for Android available, but not Apple Pay. If you would like to compare credit cards instead, please see this guide.

NAB Classic Banking

Android Tap and Pay Offer

Enjoy $0 monthly account fees on the NAB Classic banking account.

  • Free use at over 3,400 NAB and RediATMs in Australia
  • 24/7 Mobile Banking, including Quick Balance checker
  • Tap and Pay for Android
  • Free linked NAB Visa debit card with payWave
    Rates last updated October 25th, 2016
    Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
    NAB Classic Banking
    Download the NAB App for Android and click on "NAB Pay"
    Visa $0 $0 No monthly account fees, ever. Free use at over 3,400 NAB and RediATMs Australia wide and $0 overdrawn fees. Open More
    ANZ Access Advantage
    Download NAB Mobile Pay for Android and choose from 1 of 3 payment options
    Visa $0 $2,000 No monthly account fee when you deposit at least $2,000 per month. Other fee waivers available based on your personal situation. Open More
    Westpac Choice
    Download the Westpac Mobile Banking app for Android and select the "Pay" icon
    Mastercard $0 $2,000 No ATM fees when using St.George, Westpac, BankSA or Bank of Melbourne ATMs in Australia. Deposit at least $2,000 per month and enjoy no monthly service fee. Open 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 Unlimited free CBA ATM transactions. No monthly service fee if you deposit a minimum of $2,000 per month otherwise $4 monthly fee applies. 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 October 25th, 2016
    Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
    ANZ Access Advantage
    Apple Pay now available.
    Unlimited transactions at ANZ ATMs, EFTPOS, Internet, Mobile and Phone Banking.
    Visa $0 $2,000 No monthly account fee when you deposit at least $2,000 per month. Other fee waivers available based on your personal situation. Open More

    finder.com.au features Apple Pay bank accounts

    Bank accountApple Pay availableAndroid Pay
    ANZ Access AdvantageYesYes
    NAB Classic BankingNoNo
    Westpac ChoiceNoNo
    CommBank Smart AccessNoNo

    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 is currently studying 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.


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