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.
finder.com.au features Apple Pay bank accounts
|Bank account||Apple Pay available||Android Pay|
|ANZ Access Advantage|
|NAB Classic Banking|
|CommBank Smart Access|
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?
- 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.
- 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.
- All mobile purchases are safe and secure. It's backed by your bank's guarantee.
How do I set up Tap and Pay?
- 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.
- Download the relevant app on your Android phone
- Choose "Tap and Pay" from the home screen and follow the prompts
How do I set up Apple Pay?
- Open the Wallet up on your compatible iPhone
- Tap on the "+" sign on the top right hand corner
- Scan your debit card using your iPhone's camera
- Enter your card security code
- Accept the terms and conditions
- 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?
|Commonwealth Bank||Debit cards, not available for credit cards at the time of writing|
|Westpac||Debit cards and credit cards|
|ANZ||Debit cards and credit cards|
|NAB||Debit 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.