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Digital wallet

Learn about making contactless payments with your mobile device. See also answers to common questions about Google Pay, Tap & Pay, Apple Pay, Garmin Pay and Fitbit Pay.

What’s on this page

Bank Australia mobile payments

Just add your debit or credit card to digital wallet for mobile payments on your device.

Using Tap & Pay 

Tap & Pay is a form of contactless payment that you can set up on your phone. Once set up, you can use it wherever you see the Visa payWave logo. 

Device specifications

Phones must be Android 5.0 (Lollipop) or higher with NFC capabilities.

Tap & Pay cannot be configured on Android phones that have root access.

How to pay for things

Unlock your phone and place it over the terminal where the payWave logo appears – it may take up to 10 seconds to read. 

What to enable

NFC must be enabled on your phone and payWave enabled in your app at the time of making the purchase.


What is NFC?

It stands for ‘near field communication’. NFC allows one device to talk to another – like your smartphone and an EFTPOS terminal. The chip location varies by device, which is why you may need to move the phone around to get a read. 


Common questions about Tap & Pay

Tap & Pay in-store transaction limits

You can use Tap & Pay for payments up to $100.

Bank Australia daily transaction limits

How many cards can one set up?

You can have 1 card at a time configured for Tap & Pay.

Can you remove the purchase details from the device screen? 

Yes, you can dismiss notifications after they are displayed by changing a setting in the Bank Australia app.

  • Go to ‘Tap & Pay’ and select the settings icon
  • Untick the option to ‘keep status in notification area’

Using Google Pay

Google Pay is a digital wallet platform and online payment system that you can use to pay for things online, within apps, or in person.  

Device specifications

Any smartphone that has NFC technology, runs Android Lollipop 5.0 or above and has an Australian carrier is compatible with Google Pay.

How to pay for things

In person

Wake your smartphone by tapping the home or power button. Then hold the back of your phone over the contactless symbol at the terminal.

App

Select Google Pay at checkout. Your Bank Australia card and address details will be automatically added.

Online

Select the Google Pay icon at the checkout.


Common questions about Google Pay

Google Play in-store transaction limits 

If the transaction is over $100, you’re prompted to enter your card PIN at the terminal.

Bank Australia daily transaction limits


Google Pay security

  • Your physical card number is not stored on your phone
  • Just like a contactless transaction using your Bank Australia card, Google Pay requires a PIN for purchases over $100
  • Google Pay only works if your phone uses a PIN, password or pattern screen lock
  • If your phone is ever lost or stolen, you can use Android Device Manager to instantly lock your device or wipe it clean of personal information
  • $0 liability for unauthorised transactions, the same as when using your physical card

Using Apple Pay

You can use your device to make a payment using Apple Pay in stores or anywhere you can tap and pay. Apple Pay can also be used within apps or on participating websites – wherever you see the buy with Apple Pay mark.

Device specifications

Apple Pay is available on iPhone, iPad, Apple Watch, Mac with Touch ID, Mac with an Apple Pay enabled iPhone or Apple Watch and the latest OS.

Learn about Apple devices 

How to set it up

Adding a card to Apple Pay is different depending upon device:

iPhone 6 (or later models)

  • Open the Wallet app
  • Tap the + in the upper right corner
  • Follow the prompts
  • Add the card details by either:
  1. Entering the card’s security code to add the credit or debit card you use with iTunes
  2. Using the camera to capture the card information
  3. Typing the card details in manually

Apple Watch

  • Open the Apple Watch app on your iPhone
  • Tap ‘Wallet & Apple Pay’ and then ‘Add a new Credit or Debit Card’
  • Follow the prompts
  • Add the card details by either:
  1. Entering the card’s security code to add the credit or debit card you use with iTunes
  2. Using the camera to capture the card information
  3. Typing the card details in manually

iPad

  • Go to Settings
  • Tap ‘Wallet & Apple Pay’ and then ‘Add Credit or Debit Card’
  • Follow the prompts
  • Add the card details by either:
  1. Entering the card’s security code to add the credit or debit card you use with iTunes
  2. Using the camera to capture the card information
  3. Typing the card details in manually

How to pay for things

In person

iPhone with Face ID

To use your default card, double-click the side button, then glance at your iPhone to authenticate with Face ID, or enter your device passcode. 

Hold the top of your iPhone within a few centimetres of the contactless reader until you see Done and a tick on the display.

iPhone with Touch ID

To use your default card, rest your finger on Touch ID. 

Hold the top of your iPhone within a few centimetres of the contactless reader until you see Done and a tick on the display.

Apple Watch

To use your default card, double-click the side button and hold the display of your Apple Watch within a few centimetres of the contactless reader.

Wait until you feel a gentle tap.

When you strap your Apple Watch to your wrist you will be prompted to enter the device passcode. This will enable Apple Pay. If the Apple Watch is removed from your wrist, so skin contact is lost, Wrist Detect detects that skin contact has been lost and Apple Pay and the NFC feature are deactivated.

In app

With your iPhone, iPad and Apple Watch, you can use Apple Pay to pay within apps when you see Apple Pay as a payment option. 

  1. Tap the Apple Pay button or choose Apple Pay as your payment method.
  2. Check your billing, shipping and contact information to make sure that they're correct. If you want to pay with a different card, tap  next to your card.
  3. If you need to, enter your billing, shipping and contact information on your iPhone or iPad. Apple Pay will store that information, so you won't need to enter it again.
  4. Confirm the payment. When your payment is successful, you'll see Done and a tick on the screen.

Good to know

  • iPhone X or later or iPad with Face ID: Double-click the side button, then use Face ID or your device passcode.
  • iPhone 8 or earlier or iPad without Face ID: Use Touch ID or your device passcode. 
  • Apple Watch: Double-click the side button.

Online

Learn more about device and model instructions for online Apple Pay payments.


Common questions about Apple Pay

Apple Pay in-store transaction limits

Depending on the store and transaction amount, you might need to sign a receipt or enter your PIN.

Bank Australia daily transaction limits

Apple Pay security

A unique Device Account Number is securely stored on a chip in the device so payment can be made without any card information having to be shared with the retailer.

Other features which help to keep your payments secure and safe include:

iPhone and iPad 

All transactions require authentication using Face ID, Touch ID (if enabled), or by entering the device passcode.

Apple Watch

Payments can only be authorised if the device passcode has been entered and skin contact with the device has not been lost. If the device has been removed from your wrist, Wrist Detect deactivates the NFC feature and Apple Pay. To re-activate the NFC feature and Apple Pay the device passcode has to be entered again.

Please note

Never share your device passcode, or register more than one person’s Face ID, or Touch ID, while your card is registered to Apple Pay.

Using Fitbit Pay

You can use Fitbit Pay just about everywhere you use your card today. Simply look for the Visa payWave logo.

How to set it up

  1. Open the Fitbit app on your phone and then go to your watch settings
  2. Tap ‘Fitbit Wallet’ and follow the prompts on how to load your card
  3. Review and accept the terms and conditions – you may be asked to complete further identity verification via an SMS or phone call
  4. Fitbit Pay will sync your activated card to your watch via Bluetooth

How to pay for things

When you want to pay, hold the left button on your watch for two seconds. Swipe to the Payments screen if it’s not shown. If prompted, enter your 4-digit watch PIN code. Place the watch screen near the contactless payment terminal. Wait for the purchase to complete.

Common questions about Fitbit Pay

Bank Australia daily transaction limits


Fitbit security

When you want to pay, hold the left button on your watch for two seconds. Swipe to the Payments screen if it’s not shown. If prompted, enter your 4-digit watch PIN code. Place the watch screen near the contactless payment terminal. Wait for the purchase to complete.

Using Garmin Pay

You can make payments with nothing but your compatible Garmin watch. Simply look for the Visa payWave logo.

How to set it up

  1. Open the app on your phone and go to Garmin Devices
  2. Choose your device, then tap ‘Garmin Pay’ and ‘Create Your Wallet’
  3. Create a four-digit passcode to keep your digital wallet on your watch secure
  4. Add your Bank Australia Visa Debit/Credit card by selecting card type, and manually enter the card data or scan using your phone’s camera
  5. Verify your identity using the one-time passcode sent to your phone or email, or by calling us 
  6. Once the verification is complete, your card will be added to your wallet

How to pay for things

  1. Simply enter your passcode on your watch 
  2. Select your Bank Australia card from your virtual wallet
  3. Place the watch screen near the contactless payment terminal to pay

Common questions about Garmin Pay

Bank Australia daily transaction limits

Garmin security

Garmin Pay protects you by using watch-specific card numbers and transaction codes every time you make a purchase. Your card number is not stored on your device, on Garmin Pay’s servers or passed to retailers when you pay. With Garmin Pay, you will continue to enjoy $0 liability for unauthorised transactions the same as when using your physical card.

Need help?

Send us a secure message in the app or internet banking

Or call us.