NAB cards and accounts now support Apple Pay
It's been a long time comin', but NAB debit and credit card customers can finally use their iPhone or Apple Watch to tap and pay.
Four years after it launched in Australia, NAB customers can use Apple Pay to make contactless payments. As of today, Apple Pay is available across NAB's personal and business Visa credit or debit cards. As a subsidiary of NAB, Ubank has also announced that Apple Pay will be available across its debit card range as well.
Apple Pay uses the Near Field Communication chips built into every iPhone from the iPhone 6 onwards. This means you can use Apple Pay if you have an iPhone SE, iPhone 6 or later, Apple Watch Series 1 or later, or an iPad or Mac model with Touch ID and Face ID authentication.
Just like other digital wallets and contactless card payments, making a payment is as simple as holding your Apple device up to the contactless card reader. No card or PIN required.
How do I add my NAB card to Apple Pay?
Apple Pay exists in its own app on compatible iOS devices and is simple to set up. To get started, open up the Wallet app and tap the "+" in the top right corner. You can then follow the prompts to add your NAB Visa card. You may need to verify your identity via SMS, but once you've done this you should be ready to tap and pay away.
Is it secure?
Your card details are never stored in your device or Apple Pay wallet. Instead, a unique Device Account Number is assigned, encrypted and safely stored in a dedicated chip in your Apple device known as the Secure Element. You're required to authenticate your payments with touch ID, face ID or your passcode ID so no one else can use your device to tap and pay if you lose it. A unique and dynamic device code is also used to process every transaction.
This news comes around four months after CommBank went live with Apple Pay, leaving Westpac as the last of the Big Four to buddy up with Apple Pay. It also means that NAB customers can now access the three big mobile payment wallets, including Samsung Pay and Google Pay.
Apple Pay first launched in Australia with American Express in 2015. In 2016 and 2017, NAB (as well as other major banks including Westpac and CBA) approached the Australian Competition and Consumer Commission (ACCC) to negotiate access to Apple Pay and NFC on Apple devices. The ACCC rejected this notion, claiming that it would be damaging to consumers and would hinder competition in the market. Since then, customers have continued to be very vocal about wanting to use Apple Pay and the banks have eventually folded to meet the request. Your turn, Westpac.
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