Tap and Pay services

Discover the banks that offer Tap and Pay services

NAB introduces contactless payment service for Android users Tap and Go using NAB Pay.

11 April 2016: The National Australia Bank (NAB) was absent from a group of banks that partnered with Google for the launch of Android Pay last year. NAB developed its own Near Field Communication (NFC) based solution called NAB Pay for Android phones.

NAB Pay is a new contactless payment method that uses your phone for more security and convenience. NAB has developed the app so customers can pay using three easy methods.

  1. From the home screen. Unlock your phone and then tap. A notification will pop up and alert you of your transaction.
  2. Pay from inside any app. Hold your phone up to the contactless terminal. You’ll return to the app you were using when the purchase is done. This is handy if you don’t want to lose any information you might have open on an app.
  3. Use the NAB app. There’s a button at the bottom of the app you need to tap. You’ll need a passcode if you’ve added that extra security preference.

Currently, NAB Pay supports selected NAB Visa Debit and Credit cards. You must have a device with Android 4.4 and an Internet connection.

Although more phones such as Google’s Nexus 6P and Sony’s Xperia Z1-Z5 are compatible, the Xperia M4 is still not compatible with NAB Pay.

How do I setup my NAB Pay?

In order to do this, you’ll need a the app, a compatible Android device and have one of the NAB Visa Debit or NAB Credit cards from the list: NAB Visa Debit, NAB Visa Debit Gold, NAB Visa Qantas Premium, NAB Visa Velocity, NAB Visa Velocity Premium and NAB Visa Qantas Plus.

You’ll need to link one of the above cards to the NAB Pay app so you can begin transactions. You’ll need to select NAB Pay from the menu and follow the prompts to set up your card. Once a card is selected, you’ll receive a confirmation message and then you can start using your mobile to make payments.

When you make a purchase, place the back of your phone against the card reader. A notification will pop up on your phone to confirm your purchase. You’ll need to enter your PIN for transactions over $100.

Compare NAB Pay debit cards below

Rates last updated December 11th, 2016
$
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
NAB Gold Banking
Enjoy unlimited access to your money with no service charge plus no fee for transactions in foreign currencies.
Visa $0 $5,000 No monthly account fees. Enjoy unlimited access to your money with no service charge plus no fee for transactions in foreign currencies. More
NAB Classic Banking
Tap and Pay with your Android Phone using NAB Pay.
No minimum deposit required.
Visa $0 $0 No monthly account fees, ever. Free use at over 3,400 NAB and RediATMs Australia wide and $0 overdrawn fees. More
NAB Personal Overdrafts
Whenever you need a little extra money now and then.
Visa $0 $0 No application fee but a bi-annual fee applies. More
NAB Retirement Account
A retirement account with easy access to your money.
Visa $0 $0 No monthly fees with no overdrawn fees and unlimited transactions at NAB or RediATMs. More

Is NAB Pay safe?

It’s a common question when it comes to contactless payments - is NAB Pay safe? Phone payments are just as safe as transactions with your card. NAB Defence keeps your details safe from theft. NAB Defence is a promise that you’re protected by the bank’s security measures.

If you want to make NAB Pay even safer, you can adjust the security in the settings. If you go to NAB Pay preferences, you can change your settings so your passcode is required every time you make a contactless transaction.

NAB’s partnership with Visa

NAB’s partnership with Visa is instrumental for implementing Visa’s token service whereby digital tokens substitute card numbers so private information isn’t given to a merchant. Visa’s token service launched in September 2014.

The risk of fraud is significantly lower through tokenisation since your card details are never exchanged during the process thus protecting the customer.

The partnership with Visa is part of NAB’s 10-year strategic vision to work together on payments innovation and product development.

Common questions about NAB Pay

Can I have more than one card setup for NAB Pay?

Yes. If you have more than one eligible card, you can register each card for making purchases with NAB Pay. A default card must be selected when setting up a second card.

What’s the difference between NAB Pay and NAB Flik?

NAB Flik allows customers to send or request money quickly and easily to anyone in Australia. You don’t need to know the other party’s BSB or account number. On the other hand, NAB Pay is an alternative way to make contactless payments without your card.

If I apply for a NAB Classic Banking account online, how soon can I begin using the NAB Pay service?

If you apply for a classic banking account online, you’ll need to complete an identification check at any NAB branch before you start making purchases through NAB Pay.


Other Tap and Pay services offered by the big four

NAB followed the lead of other banks who have already instituted a mobile tap and pay system. Here are some of the banks that provide a mobile tap and pay service.

ANZ Mobile Pay

ANZ customers can now enjoy a new mobile payments system that was released in February. ANZ Mobile Pay is for Android 4.4 or above devices. Unlike its NAB counterpart, ANZ Mobile Pay works for Visa credit, debit and American Express cards.

How do I set up ANZ Mobile Pay?

Setting up this app is very straightforward. You’ll need the following:

  • Your Visa debit or credit card.
  • Your Android device which is above 4.4.
  • Your date of birth and mobile number.
  • A good Internet, wifi or data connection.

Once you’ve gathered the necessary items you can then download the app from the Google Play store. The next step is registering a card and your details. Start by opening the app and click “add a card”. Put you card on the underside of your phone and your details will automatically register. Finally, enter your birthdate, choose a passcode and enter your phone number and you’re good to go.

After you set up the app on your phone, you can then pay in the following three ways:

  1. Wake to Pay. Your phone has to be on and then put it up against the NFC enabled reader.
  2. Launch to Pay. In this method of paying, you must unlock your phone, have the ANZ app open and then tap away.
  3. Passcode to Pay. This one is very similar to the second option but it has one more level of security and requires you to enter your passcode to complete the transaction.

Purchases that are over $100 will always require a PIN.

Use Mobile Pay at ATMs

ANZ customers can make withdrawals from ATMs via the Mobile Pay app. If the ATM is compatible with contactless payment, you can hold your phone against the contactless symbol. Then you have to enter your PIN to avoid any fraudulent behaviour.

ANZ Security

ANZ protects its customers through the ANZ Falcon system which detects atypical activity on the transactions made with Mobile Pay. Withdrawing from an ATM and purchases over $100 both need a PIN to complete the transaction.

Compare ANZ mobile pay debit cards

Rates last updated December 11th, 2016
$
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
ANZ Access Advantage
Earn a $100 shopping voucher.
For opening a new account by 18 Dec 2016 and shop three times with your new Visa debit card by 8 Jan 2017 (conditions apply).
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
ANZ Access Advantage with ANZ Seniors Privilege
If you're over 60 years of age and receive Centrelink or Veteran's allowance, you can benefit from a ANZ Access Seniors Privilege.
Visa $0 $0 No monthly fee and unlimited access to ANZ ATMs Phone and Internet Banking, plus branch, cheque and EFTPOS. More

Commbank Tap and Pay

The Commonwealth Bank of Australia also released a tap and pay system for Android users which is operated by NFC technology. Tap and Pay is an app for your Android phone that is connected to your transaction account.

In order for the app to function, you’ll need to have a phone that runs Android 4.4 or higher. If you make transactions over $100, you may need to enter your PIN.

Setting up Tap and Pay

Similar to the NAB and ANZ, you can set up Tap and Pay by opening an Everyday account or use your current one then download the app for iPhone or Android. Finally, you’ll need to buy a PayTag through the app.

What’s a PayTag?

A PayTag is a tag that you’ll need to stick to the backside of your phone, preferably towards the bottom. This makes sure there is no interference with the battery.

Compare CommBank PayTag debit cards

Rates last updated December 11th, 2016
$
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
Commonwealth Bank Smart Access
Get unlimited CBA electronic transactions using internet banking, phone banking, ATM and EFTPOS.
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
Commonwealth Bank Pensioner Security Account
A flexible transaction account that keeps your retirement savings at work.
Mastercard $0.50 $0 Access to over 4,000 ATMs and 1,000 branches. More
Commonwealth Bank Streamline Basic
Eligible if you hold a Commonwealth Seniors card, Pensioner Concession Card or Health Care card.
Mastercard $0 $0 Eligible if you hold a Commonwealth Seniors card, Pensioner Concession Card or Health Care card. More

Westpac Tap and Pay

Westpac’s contactless payment app is available on many Android devices. It is compatible with the Samsung Galaxy S4-S6. If you have an S4, you must have Android 4.0 for the app to work with your phone. For those with an S5, Alpha Note 3 or Note 4, Android 4.4 is required.

How do I make payments with Westpac Tap and Pay?  

There are three options you can choose from to make a payment:

  1. Quick pay. Unlike other mobile payment apps, there’s no need to unlock your phone. Simply hold it against the reader to make a payment.
  2. Use the app. Open the Westpac app and place your mobile against the reader.
  3. Sign in and pay. Once you have the app open, you can sign in and choose the “Pay” button. Then you can put your phone against the terminal to complete your purchase.

Compare Westpac Tap and Pay debit cards

Rates last updated December 11th, 2016
$
Monthly Account Fee Debit Card Access ATM Withdrawal Fee Fee Free Deposit p.m. Details
Westpac Choice – for migrants
Suitable if you're arriving in Australia within 12 months and intend to make a deposit within 6 months.
Mastercard $0 $2,000 No monthly fee for the first 12 months, unlimited and free electronic transactions. Open 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 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

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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