NAB Pay vs CommBank Tap & Pay

Mobile banking is transforming the way we complete everyday transactions, so how do CommBank’s Tap & Pay and NAB Pay compare to one another? Let’s find out.

Smartphones have had a monumental impact on the way we live, influencing everything from the way we stay connected to how we manage our finances. Now there’s a new way the humble smartphone can make your life easier: you can use it like a debit card to tap and pay for purchases in store. This feature means that even if you don’t have any cash or your bank card on you, it’s still possible to quickly and conveniently pay for a purchase using your smartphone. CommBank launched its mobile payment service for Android smartphones, Tap & Pay, in March 2015 while NAB followed suit with its own offering, NAB Pay, in January 2016. Let’s take a closer look at each service and investigate the benefits they offer for consumers. See our Tap and Pay and Apple Pay comparison here.

Rates last updated September 20th, 2017
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 $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
NAB Classic Banking
$0 monthly account fees.
Tap and pay with your NAB Visa Debit card, NAB Pay for Android or NAB PayTag for iPhone.
Visa $0 $0 $0 account keeping fees with no deposit conditions. Unlimited free withdrawals at NAB and rediATMs. Go to site More

NAB Pay – What is it?

NAB Pay is a mobile payment service that allows you to tap and pay for purchases with your Android smartphone. Using your compatible smartphone and Visa’s payWave service, you can securely and conveniently make purchases with your phone — no cash or card required. With the NAB Pay service set up on your smartphone, all you have to do is place the back of your phone on the card reader at any contactless terminal. You’ll receive a notification on your phone once the transaction is complete, and your PIN is only required for payments of more than $100. All purchases you make using NAB Pay are safeguarded by NAP Defence fraud protection, but you’ll need an Android phone with NFC technology running Android 4.4 (KitKat) or higher. You can use NAB Pay in the following three ways:

  • From your smartphone’s home screen.
  • From inside any app. You’ll be returned to the app once the transaction is complete.
  • From the NAB app. You’ll need to click the ‘NAB Pay’ button at the bottom of the screen.
How do I set up NAB Pay?
Follow these simple steps to set up the NAB Pay service:

  1. Download or update the NAB app.
  2. Click on the NAB Pay button in the NAB app. The app will automatically check your phone’s compatibility — you need to have an NFC-enabled phone running Android 4.4 (KitKat) or higher.
  3. Follow the prompts to activate the service.

At the time of writing, NAB Pay is available with the following accounts:

  • A NAB Visa Debit card, which is available with a NAB Classic Banking account;
  • A NAB Visa Velocity credit card; or
  • A NAB Visa Qantas credit card.

NAB Pay solutions for other NAB cards are reportedly in the works.

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What are the pros and cons of NAB Pay?


  • It's easy to use. NAB Pay is simple to use and offers a secure and convenient way to pay for purchases.
  • It's available with a wide range of cards. You’re eligible for the NAB Pay service with a number of NAB cards, and there are plans to extend the NAB service to more NAB cards in the future.
  • You're protected by NAB Defence. All transactions you pay for using NAB Pay are protected by NAB Defence, which provides 24/7 account monitoring and a money-back guarantee if you’re the victim of fraud.


  • Your Android phone must have NFC technology. If you have an iPhone or if your smartphone doesn’t have NFC technology, this handy payments service is not available to you.

Have more questions about NAB Pay?

You can use the NAB Pay service if you have any of the following cards:

  • NAB Visa Debit
  • NAB Visa Debit Gold
  • NAB Visa Qantas Premium
  • NAB Visa Velocity
  • NAB Visa Velocity Premium
  • NAB Visa Qantas Plus
Yes, as long as you have an eligible card.
NAB Pay is available on any Android smartphone with NFC technology enabled and running Android 4.4 (KitKat) or higher. This includes the following phones:

  • Nexus 5
  • Nexus 6
  • Nexus 6P
  • HTC M8
  • HTC One
  • HTC One M8 Dev Edition
  • HTC One M9
  • Moto X (2nd Gen)
  • Samsung Galaxy Note 4
  • Samsung Galaxy S3
  • Samsung Galaxy S4
  • Samsung Galaxy S5
  • Samsung Galaxy S5 Dev Edition
  • Samsung Galaxy S6 edge
  • Samsung Galaxy S6 edge+
  • Samsung Galaxy Y
  • Sony Xperia Z1 - Z5.
As this is a relatively new offering, not all merchants are setup to accept NAB Pay. However, big supermarket chains such as Coles and Woolworths and many other major retailers have the capability to accept NAB Pay transactions.

CommBank Tap & Pay - What is it?

The Tap & Pay service allows you to use your compatible smartphone to make Mastercard PayPass purchases in store at retailers. Once Tap & Pay is set up on your account, all you have to do is tap your phone on a contactless terminal whenever you need to pay for a purchase. CommBank Tap & Pay uses NFC (near field communication) technology to help make shopping quicker and more convenient — read our guide on NFC technology for more details on exactly how this works and why NFC can be such a beneficial inclusion on a smartphone. The service is available using your compatible Android phone and the CommBank app. Your phone will need to be NFC-enabled and be running Android 4.4 (KitKat) or above. The Tap & Pay service is then linked to your CommBank transaction account so that you can make purchases of up to $100 at any contactless terminal, even when you’re overseas. Transactions over $100 may require you to enter your PIN. In addition, the Tap & Pay service is also available if you own an iPhone, or if your Android smartphone doesn’t have NFC technology. However, to use the service you will need to purchase a PayTag for a one-off fee of $2.99 via the CommBank app. This can then be attached to your device to allow you to tap and pay for purchases.

How do I set up CommBank Tap & Pay

If you own a compatible Android smartphone, follow these simple steps:

  1. Open a CommBank Everyday Account or use your existing account.
  2. Download the CommBank app on your phone.
  3. Select ‘Tap & Pay’ from the home screen and follow the prompts to activate the service.

If your Android phone doesn’t have NFC technology or if you own an iPhone, you’ll need to follow these steps:

  1. Open a CommBank Everyday Account or use your existing account.
  2. Download the CommBank app on your phone.
  3. Purchase a PayTag via the CommBank app for $2.99.
  4. Select ‘Tap & Pay’ from the home screen and follow the prompts to activate the service.
  5. Attach the PayTag on the back of your phone near the bottom.

What are the pros and cons of CommBank Tap & Pay?


  • It's easy to access. The Tap & Pay service is easy for existing customers to access via CommBank’s mobile banking app.
  • You can make convenient payments. Tap & Pay ensures fast and simple payments for purchase in stores in Australia and overseas.
  • It's available on a wide range of smartphones. Even if your phone doesn’t have NFC technology, purchasing a PayTag allows you to take advantage of the Tap & Pay mobile payment service.


  • You need to keep the app updated. You’ll also need to remember to update your Tap & Pay details if you open a new account.

Have more questions about Tap and Pay?

CommBank Tap & Pay can be used on any Android phone that has NFC enabled and that runs Android 4.4 (KitKat) or higher. If your phone doesn’t meet these requirements, you may be able to purchase a PayTag to allow you to use this payment service.
This is a small sticker that can be attached to the back of your iPhone to enable you to make Tap & Pay purchases. It can be purchased for $2.99 through the CommBank app.
Yes. In the Tap & Pay section of the CommBank app, click on the card you want and then select the star icon on the top right corner of the card.
Yes. You will need your CommBank app PIN in order to turn the Tap & Pay service on or off from within the app.

The verdict

Both NAB Pay and CommBank Tap & Pay offer a simple and secure way to pay for purchases. While CommBank’s service offers the flexibility to extend tap-to-pay services to iPhones, NAB Pay provides a convenient payment option for eligible smartphone owners. If you’re an existing customer with either bank and you have an eligible account, both NAB Pay and CommBank Tap & Pay could help you save time at the checkout.

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