Contactless payments – helping to remove physical contact

To help reduce physical contact with surfaces when you’re shopping, we’ve increased the contactless payment limit when paying with your smartphone or wearable device.

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

Where can you use contactless with your smartphone or wearable?

You can make contactless purchases with an eligible smartphone or wearable at participating merchants where you see this logo.

Read more about using contactless technology at the checkout

Contactless payments for personal customers

We’ve increased the contactless payment limit for eligible smartphones and wearables, so at most retailers you won’t need to enter your PIN for any contactless purchases up to $200.

You can continue to make contactless payments with your NAB card for purchases under $100 at participating merchants without a PIN. Purchases of $100 or greater on your card will still require a PIN.

What is the new temporary contactless payment limit?

We’ve increased the contactless payment limit for digital wallets (NAB Pay, Apple Pay, Google Pay, Samsung Pay, Garmin Pay and Fitbit Pay) from $100 to $200. That means once you’ve entered your device’s passcode (e.g. Face ID, Touch ID) for the day, you won’t need to enter your PIN on the physical terminal when using your smartphone or wearable to make purchases of up to $200 at most retailers. At a small number of retailers, you may be prompted for your PIN.

Why is the contactless payment limit being increased?

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

What is a digital wallet?

Digital wallets are a secure and convenient way to make contactless payments through your eligible smartphone and wearable device. When you add your card to a digital wallet, a unique card number is generated specifically for your device. This means your physical card number is never stored on your device, or shared with merchants. Digital wallet providers don’t keep transaction information that could be tied back to you, ensuring all your purchases are private. Plus, you’ll enjoy all the same security and fraud protection benefits you receive with your physical card.

What if I don’t have a digital wallet?

Digital wallets are the only in-store payment method NAB offer that support the increased contactless limit and in some cases, won’t require a PIN at all once you have entered your device’s passcode (e.g. Face ID, Touch ID) for the day.

NAB Visa credit and debit cards and NAB eftpos cards all support contactless, but only to the $100 limit. The chip in your NAB card has been set up to always require a PIN for contactless transactions of $100 or more and we’re unable to change this to a higher temporary limit of $200. Consider setting up your digital wallet of choice to take advantage of the increased limit of $200.

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 card needs to be active in a digital wallet. Smartphone and wearable devices have been upgraded to support the new limit. You’ll find more information in the table below.

Payment method Status
Apple Pay / Fitbit Pay / Garmin Pay / Samsung Pay Status Contactless is currently available. Most of your contactless purchases won’t require a PIN once you have entered your device’s passcode (e.g. Face ID, Touch ID) for the day. At a small number of retailers, you may be prompted for a PIN.
NAB Pay / Google Pay Status Contactless payment is currently available for purchases less than $200.
NAB Visa Credit and Debit Cards Status Contactless payment is currently available for purchases less than $100 and will remain at $100.

Contactless purchases of $100 or more will require a PIN.

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

Contactless purchases of $100 or more will require a PIN.

Retailer upgrades

The new temporary limit is being rolled-out across all retailers and most have already been upgraded.

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

You’ll know if the temporary new limit has been introduced as you won’t need a PIN for purchases up to $200 when you pay using contactless with a digital wallet.

Will I have access to the $200 limit if I 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 another three months, but may be extended again pending Government advice.

What about security?

You'll still be protected against fraud when using your 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 (e.g. 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 on 13 22 65.

What if I don’t want the new limit?

You can stop contactless payments on your digital wallet by using your plastic card instead.

Contactless - information for merchants

We recently increased the contactless card payment limit to $200 on your NAB terminals. This will help reduce physical contact with surfaces when your customers are making payments in-store during COVID-19. This increase is a temporary measure and will remain until at least September 2020. We’ll continue to review and make decisions in line with government advice.

A contactless purchase between $100 and $200 also requires the customer’s card, smartphone or wearable to be enabled by their bank. Where their card/device doesn’t support the increased limit, a PIN may be required for purchases over $100.

As a merchant, what do I need to do?

No action is required. You should have already received the automated update that enabled EFTPOS for the increased contactless limit. For most of our regular terminal updates, it’s good practice to ensure your terminals are plugged in and turned on overnight. This will ensure you receive future updates as part of our automated update process.

How do I know if the increased contactless limit has been enabled on my terminal?

The new contactless limit has been rolled out progressively across different banks, different cards and different terminal types. However, some bank cards are not eligible for this contactless limit increase. It is normal that some cards will work, while others won’t. If you’ve noticed that some customers can pay for purchases between $100 and $200 using contactless then your terminal has been enabled and no action is required

If you’re not sure, you can follow the download instructions below to update your terminal. The terminal will display a successful connection to download if you aren’t running the latest version. The connection will be unsuccessful if you already have the latest version and no further action is needed.

Terminal Type Download instructions
Quest Download instructions Terminals updates are now complete and no download is required.
Ingenico Download instructions
  • Press func, type 102, then press Enter.
  • If prompted for access code enter ‘0240’ and press Enter.
Verifone Download instructions
  • Flag the current software version in Vericentre and press *, 9
  • Press Enter twice

Was the update automatic?

Regular updates for our EFTPOS terminals are usually received automatically. Provided your terminal was plugged in and switched on overnight, the update should have already occurred. If you’re not sure if you received the update, you can complete the update yourself by downloading and automatically installing it at any time. Download instructions are available below.

Please note that download times may vary depending on your internet connection.

Terminal Type Download instructions
Quest Download instructions Terminals updates are now complete and no download is required.
Ingenico Download instructions
  • Press func, type 102, then press Enter.
  • If prompted for access code enter ‘0240’ and press Enter.
Verifone Download instructions
  • Flag the current software version in Vericentre and press *, 9
  • Press Enter twice

Which of my customers are eligible?

The new contactless limit will be rolled out progressively across different banks, different cards and different terminal types. However, some bank cards will not be eligible for this contactless limit increase. The card issuer should 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. For some contactless purchases made using selected digital wallets (Apple Pay, Google Pay, Samsung Pay) customers won’t be prompted for a PIN once they have entered their device’s passcode (e.g. Face ID, Touch ID) for the day.

As a merchant, does this change the fraud liability?

No, there’s no change to liability rules because 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. We’ll continue to review and make decisions in line with government advice.

Is this a permanent change?

No, the new $200 limit is still intended to be a temporary change in response to COVID-19. The new contactless limit increase has been extended to be effective until mid-September 2020, in line with the Governments declaration of a pandemic for COVID-19. Our merchant terminals will continue to accept these transactions in line with the extension.