You can now use Apple Pay with ING Direct and Macquarie Bank
Apple Pay adds two more banks to its growing digital wallet ranks.
It’s official: ING Direct and Macquarie Bank customers can now tap and go with Apple Pay. Earlier this month, we reported that the two banks would join 44 other Australian card providers who currently offer Apple’s digital wallet.
You can use Apple Pay to make contactless payments with your smartphone with ING Direct and Macquarie Bank credit and debit cards as long as you’ve connected it with your Apple Pay wallet. To add your Macquarie Bank or ING Direct debit or credit card to your Apple device, you just need to open your Wallet app and tap the ‘+’ sign in the top right corner. Then you’ll just need to follow the prompts to add your card details.
Once you’ve confirmed your card details, Apple Pay is relatively easy to use in store. There’s no need to wake your iPhone or open an app, you just need to hold your phone near the contactless reader with your finger on the Touch ID. If the payment is approved, “Done” will appear on the display, as well as a subtle vibration and beep to let you know the payment was sent.
Apple Pay isn’t just restricted to your iPhone either. While the digital wallet is available with iPhone SE, iPhone 6 and 7, you can also tap and go with your iPad Mini 3 and later, the iPad Air 2, iPad Pro and Apple Watch.
As well as ING Direct and Macquarie, Apple Pay is also available with large banks such as ANZ and American Express. However, it will be a while before we see any of the other Big Four banks jump on the Apple Pay bandwagon. NAB, CommBank and Westpac are currently butting heads with Apple to gain access to its NFC function and give their customers the choice to use both Apple Pay and their own internal contactless payment apps.
However, Apple rejects the idea and claims the banks’ proposal is based on a wish to avoid market competition and avoid Apple Pay fees. Last week, global head of Apple Pay Jennifer Bailey said she was confident in Apple’s position as the dominant leader in mobile payments and that customers are willing to change banks in order to use their digital wallet. While the ACCC rejected the proposal submitted by the remaining Big Four banks’ in November, they’ve submitted another that focuses solely on access to the NFC function for review. So, it’s likely to still be some time before you see any of these banks join the Apple Pay ranks.
See our Apple Pay guide for more information on how the digital wallet works and to compare which banks you can use it with.
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Picture: Shutterstock and ING Direct