Removing physical contact

To help reduce physical contact with surfaces when you’re shopping, we’ll soon increase the contactless payment limit from $100 to $200 for our personal and business customers.

Contactless technology is the fastest, most convenient way to pay with your NAB cards – there’s no need for your card or device to ever leave your hand.

Where can you use contactless?

You can make contactless purchases at participating merchants where you see this logo.

Read more about using contactless technology at the checkout

Contactless payments for personal customers

Soon we’ll increase the contactless payment limit, so you won’t need to swipe your card or enter your PIN for purchases up to $200. Keep an eye on this page to find out when this change will occur.

You can already use contactless payment for small purchases under $100 at participating merchants.

What is the new temporary contactless payment limit?

We’re increasing the contactless payment limit from $100 to $200. That means you won’t need to swipe your card or touch the terminal to enter your PIN for purchases up to $200.

Why is the contactless payment limit being increased?

The change is consistent with similar increases being implemented in other countries in response to COVID-19. It will help reduce in-store contact for both our personal and business customers.

How can I access the new contactless limit?

To access the new limit, your retailer will need to have completed a terminal software upgrade, and your payment method will also need to have been upgraded.

Retailer upgrades

The new temporary limit is being rolled-out across retailers. Some are ready to go now, and the plan is to have most retailers on board by the end of June.

To upgrade your payment limit

Some payment methods may already support the increased contactless limit. However, depending on your payment method (debit card, credit card, mobile or wearable) you may be required to take some steps before it’s available to you. You’ll find more information in the table below.

Payment method Status
NAB Visa Credit and Debit Cards Status Contactless payment is currently available for purchases less than $100.

We’ll be changing the contactless payment limit to $200 over the next two months. When the new limit is available, we’ll update this page with instructions to let you know how to upgrade to your card.

NAB Debit Card (eftpos only) Status Contactless payment is currently available for purchases less than $100.

The limit on eftpos cards can’t be increased, so will remain at $100.

Apple Pay / Fitbit Pay / Garmin Pay Status Contactless is currently available. Most purchases won’t require a PIN once you have entered your device’s passcode (eg Face ID, Touch ID) for the day. At some stores, you may be prompted for a PIN for purchases of $100 or more.

We’re working with retailers to increase the contactless payment limit at most locations to $200 by the end of June.

NAB Pay / Google Pay / Samsung Pay Status Contactless payment is currently available for purchases less than $100.

We’re working with retailers to increase this limit at most locations to $200 by the end of June.

How do I know when I can use the new $200 limit?

You’ll know if the temporary new limit has been introduced on your card and at the retailer terminal, as you won’t need a PIN for purchases up to $200 when you pay using contactless.

Do I need to order a replacement card?

No, ordering a new card won’t update your limit.

Is the increase to the contactless limit likely to become permanent?

No. This is a temporary, industry-wide change in response to COVID-19. It’s expected to apply for three months, but may be extended pending Government advice.

What about security?

You'll still be protected against fraud, whether you’re using your physical card or a digital wallet. We’ll continue to:

  • check your accounts and monitor your high risk transactions
  • alert you to any suspected fraud and investigate it for you
  • reimburse you 100% of any amount taken from your account if, despite our best defences, you’re a victim of fraud.

Your responsibilities when operating your account will still apply. Be sure to keep your card, PIN, mobile wallet/device and device code secure. Never store your PIN or device code on or with your card or device. Don’t let anyone else register their biometric identifier (eg. fingerprint) to your device. Don’t share your PIN and/or device code with anyone. Don’t use the same code as you do for your other banking or anything obvious, like your date of birth. If you think the security of your device code or device has been compromised, call us immediately.

What if I don’t want the new limit?

You can stop contactless payments on your card by accessing the My Cards section of the NAB app or via Internet banking. Visit our online banking page to learn more.

Contactless - information for merchants

We’ll be increasing the contactless card payment limit to $200 on your terminals over the next two months. This will help reduce physical contact with surfaces when your customers are making payments in-store during COVID-19.

As a merchant, what do I need to do?

Whenever possible, simply ensure your terminals are plugged in overnight.

How soon will I get the terminal update?

We aim to have the terminal updated rolled out across our merchant network by the end of June. In line with Federal Government advice, we’ll prioritise updates to essential services businesses.

Will the update be automatic? How do I get it early?

Previously, all updates were received automatically. However, depending on the type of terminal you have, you may be eligible to download the new update yourself beforehand. Visit our Coronavirus support page for the latest information and to check your eligibility.

Which of my customers are eligible?

The new limit will be rolled out progressively across different banks, different cards and different terminal types. However, some bank cards will not be eligible for a limit increase. The card issuer will inform the customer if this is the case.

If the new limit has been introduced on a customer’s card and on your terminal, the customer won’t need a PIN for purchases up to $200. If the new limit isn’t available, a customer will still be prompted to enter their PIN for purchases of $100 or more.

As a merchant, does this change the fraud liability?

No, there’s no change to liability rules as a result of this increase.

As a merchant, what if I don’t want the new limit?

This is an industry-wide response, so it’s not possible to opt out. However, the new limit is temporary and is expected to be lifted pending Federal Government advice.

Is this a permanent change?

No, the new $200 limit is a temporary change in response to COVID-19. It’s currently anticipated to apply for a three-month period and may be extended, which will be based on the advice we are given by the Federal Government.