Google Pay^TM

GooglePay^TM is the single brand which brings together methods of payment previously introduced by Google (like Android Pay^TM and Google Wallet^TM). With Google Pay you can add your eligible NAB Visa cards to the Google Pay app on a compatible smartwatch or Android^TM device. This will enable you to make contactless payments right from your device (without your physical card) wherever contactless payments are accepted, even when traveling internationally. You can also use Google Pay to make purchases in apps, on websites, and to check out on products like Google Music^TM and Google Play^TM.

You will continue to receive all of the same benefits and rewards your eligible NAB Visa card offers when you pay with Google Pay.

You need to have a data connection in order to set up Google Pay. You are not required to have a data connection in order to use Google Pay on a device for purchases.

Google Pay includes many security features. Google Pay uses an industry-standard encryption platform to help ensure your card information is never revealed or shared with merchants or with Google. Google Pay also requires you to use a screen lock for your device (Google Pay works with a device code, pattern, password or fingerprint screen lock) for an added layer of protection. Refer to Google’s privacy and security policies.

Android, Google Pay, and the Google Logo are trademarks of Google LLC.

NAB staff will help you if you have any issues when enrolling your NAB Visa card into Google Pay or have transaction queries. However, all enquiries related to Google Pay need to be directed to Google. Please refer to the Google Pay FAQs for questions about:

• general enrolment and use instructions
• setting up multiple devices to use Google Pay
• accidentally deleting your Google Pay app
• compatible devices and factory resets.

Any enquiries related to your Android device or smartwatch need to be directed to your device manufacturer’s help centre. Please refer to Google Pay FAQs to check if your smartphone or smartwatch is compatible with Google Pay and for links to your device manufacturer’s help centre.

NAB Visa personal and business credit and debit cards (except NAB Business Payments Card) are eligible for enrolment in Google Pay. Please contact NAB if you are unsure or are having problems enrolling these cards on:

• For personal customers, 13 22 65 from Mon - Fri 8am - 7pm or Sat-Sun 9am - 6pm (AEST/AEDT) or +61 3 8641 9083 if you're overseas or;

• For business customers, 13 10 12 from 8am - 7pm Mon - Fri, or 9am - 6pm on weekends (AEST/AEDT) or +61 3 8641 9937 if you're overseas.

Additional cardholders of personal cards

If additional/secondary cardholders want to use their own card with Google Pay, they must separately enrol their own card. This can be before or after the primary cardholder is enrolled.

Business credit or debit cardholders

All cardholders can register their card for Google Pay.

If you change your NAB Visa card product, your Google Pay service will be impacted. You will need to set up the new eligible NAB Visa card with Google Pay. You should delete any unused cards from the Google Pay app after you set up the new card product.

If you close a credit/debit account which has a NAB Visa card enrolled in Google Pay, that enrolled card will be deactivated in Google Pay (including cards enrolled by any other cardholder). As it’s no longer active, you should delete the card from the Google Pay app. Please refer to the Google Pay FAQs.

Details of enrolled cards due to expire will be automatically updated in Google Pay so you can continue to use Google Pay without any disruption.

To set up Google Pay, you will need your compatible Android device or smartwatch, the Google Pay app and your eligible NAB Visa card. You need to be connected to the internet to set up Google Pay. For further information, please refer to the Google Pay FAQs.

Follow Google Pay’s enrolment instructions and enter your NAB Visa card details. You will need to verify your identity as the authorised cardholder to complete your enrolment via the option/s presented which may be:

• via receipt and entry into the Google Pay app of a temporary passcode sent to your registered mobile (to confirm your registered mobile number is correct so you can receive a temporary passcode, log in to NAB Internet Banking and select My details from the Settings/Mailbox menu, click on My details and confirm your mobile number is correct)
• by calling the NAB:
  • For personal customers, 13 22 65 from Mon - Fri 8am - 7pm or Sat-Sun 9am - 6pm (AEST/AEDT) or +61 3 8641 9083 if you're overseas or;
  • For business customers, 13 10 12 from 8am - 7pm Mon - Fri, or 9am - 6pm on weekends (AEST/AEDT) or +61 3 8641 9937 if you're overseas.

Please note your card is not ready for use in Google Pay until you verify your identity and card. If you do not verify the enrolled card/s within 90 days this enrolment will expire and you will need to enrol your card on your device again.

If you receive an error when enrolling your NAB Visa card asking you to contact your bank or the issuer, please check the following things first:

• you have the required app version for the Android device. Refer to Google Pay FAQs at for app details
• you have an eligible NAB Visa Card
• the current status of your NAB Visa credit card – e.g. if there is a block on your card because of late payment or you’ve reported it lost or stolen. In this case the card can’t be enrolled.

If you still have difficulty adding a card, please contact NAB:

• For personal customers, 13 22 65 from Mon - Fri 8am - 7pm or Sat-Sun 9am - 6pm (AEST/AEDT) or +61 3 8641 9083 if you're overseas or;
• For business customers, 13 10 12 from 8am - 7pm Mon - Fri, or 9am - 6pm on weekends (AEST/AEDT) or +61 3 8641 9937 if you're overseas.

You can enrol more than one eligible NAB Visa card with Google Pay. Only one card can be set to “default” in Google Pay at one point in time. The card that you have selected to “default” within Google Pay will be used when you transact using a contactless terminal. For further information, refer to the Google Pay FAQs.

When you first set up Google Pay you may be prompted to set up an Android device or smartwatch screen lock if you have not already (like a device code, pattern, password or fingerprint). This screen lock must be set up before you can enrol NAB Visa cards in the Google Pay app. When selecting a screen lock in the form of a device code please choose something different from your NAB card PIN or other banking passcodes.

Before you get started, remember:

1. To help prevent unauthorised use of you NAB Visa cards, never share your Android device or smartwatch with anyone else. Don’t let anyone else register their biometric identifier (eg. fingerprint) to your device.
2. Your NAB Visa card must be the “default” card on your Google Pay App for payments to be made using the NAB Visa card. For information on how to make your NAB Visa card the “default” card, refer to the Google Pay FAQs.
3. If you have another wallet selected as the default contactless payment method on your Android device or smartwatch, you may need to select Google Pay as your default method of contactless payment on your Android device or smartwatch. Use your Android device or smartwatch's settings to select your default contactless payment method.
4. If prompted by the payment terminal for a PIN code, enter the PIN for your NAB Visa card (not your Android or smartwatch device code).
5. If your Android device or smartwatch has not connected to a cellular or wireless internet connection for a prolonged period of time, Google Pay may not work and there may be a delay in time before Google Pay works once a connection has been re-established.

For information on how to make payments please refer to Google Pay FAQs.

You can remove a card from the Google Pay service by using the Google Pay app. With help removing cards, refer to the Google Pay FAQs.

As a primary cardholder, facility or business owner, you will only be able to remove a cardholder's access to Google Pay by removing the cardholder from your account altogether.

To remove a the additional/secondary cardholder from your personal credit or debit card, please contact NAB on 13 22 65 from Mon - Fri 8am - 7pm or Sat-Sun 9am - 6pm (AEST/AEDT) or +61 3 8641 9083 if you're overseas.

To remove a cardholder from your business credit or debit card, please contact NAB on 13 10 12 from 8am - 8pm Mon - Fri, 7am - 6pm Sat or 9am - 6pm Sun (AEST/AEDT) or +61 3 8641 9937 if you’re overseas or by contacting your NAB banker.

Additional cardholders of personal cards

Additional cardholders are able to register their card for Google Pay.

Helpful Hints:

• An additional cardholder can set up and use Google Pay even if Google Pay is not used by the primary cardholder.
• An additional cardholder can register for Google Pay before the primary cardholder does. The primary cardholder will only be able to remove an additional cardholder's access to Google Pay by removing the additional cardholder from the account altogether. If you wish to remove the additional cardholder please contact NAB on 13 22 65 from Mon - Fri 8am - 7pm or Sat-Sun 9am - 6pm (AEST/AEDT) or +61 3 8641 9083 if you're overseas.
• Where primary and additional cardholders share the same card number, the additional cardholder can only make Google Pay purchases in store under $100. For purchases of $100 or more, the additional cardholder will need to switch to using their physical card.

Business credit or debit cardholders

All cardholders can register their card for Google Pay.

Helpful Hints:

• As a facility or business owner, you will only be able to remove a cardholder’s access to Google Pay by closing the physical card from your account altogether. To remove a cardholder from your business credit or debit card, please contact NAB on 13 10 12 from 8am - 7pm Mon - Fri, or 9am - 6pm on weekends (AEST/AEDT) or +61 3 8641 9937 if you're overseas or by contacting your NAB banker.

There will be no changes to how transactions will appear on NAB Internet Banking, NAB Connect, the NAB app or customer statements.

You can view the last ten transactions using the Google Pay app. This will show you the merchant name, date and amount.

For personal cards, as normal, a primary cardholder can view all of your additional/secondary cardholders transactions by checking the last four digits of the card number displayed beneath each transaction on your cardholder statements, NAB Internet Banking or the NAB app.

For business cards, the facility/business owner can view all cardholder transactions via NAB Internet Banking, NAB Connect or the NAB app.

When you enrol for Google Pay your device is allocated a virtual card number. For added security, this is used for contactless purchases instead of your physical card number. The last four digits of the digital card number will appear on receipts for Google Pay purchases, and allow you to identify which virtual card number belongs to which device if you have more than one device registered for Google Pay.

No one can use your Android device or smartwatch to make payments unless you’ve entered your chosen screen lock method (device code, pattern, password or fingerprint). No one will be able to access your personal banking details as they are not stored on the device.

If you lose your Android device or smartwatch, you can still make contactless transactions using your physical NAB Visa card. If that’s the case you’ll need to use your card PIN for transactions of $100 or more.

If you misplace or lose your Android device or smartwatch, you can login with your Google account to remove your card(s) in Google Pay. If you delete the card, you will need to re-enrol it. For further information, please refer to the Google Pay FAQs.

A cardholder removing their Google Pay service will not affect any other cardholder's use of Google Pay.

If your card is lost or stolen, you can block your card immediately in the NAB app, NAB Internet Banking or by calling us on 1800 033 103 (within Australia) or +61 3 8641 9121 (from overseas), 24 hours, 7 days a week. You can continue to use Google Pay while you wait for your new physical card, your replacement card details will be updated to your device automatically.

The Android device or smartwatch is protected by your chosen screen lock method (device code, pattern, password or fingerprint). This needs to be entered to enable the Android device or smartwatch to be used to make transactions. Refer to the Google Pay FAQs.

If you suspect fraud on your account please contact NAB immediately on;

• For personal customers, 13 22 65 from Mon - Fri 8am - 7pm or Sat-Sun 9am - 6pm (AEST/AEDT) or +61 3 8641 9083 if you’re overseas or;
• For business customers, 13 10 12 from 8am - 7pm Mon - Fri, or 9am - 6pm on weekends (AEST/AEDT) or +61 3 8641 9937 if you're overseas.

NAB will follow the usual process to resolve any fraudulent or suspicious transactions.

If you are giving your device to someone else you’ll need to factory reset it to erase apps and all personal data from the device. Refer to the Google Pay FAQs. You may be liable for any transactions not made by you if you shared your Android device or smartwatch.

The process is the same as any other NAB Visa card transaction refund or reversal. First speak to the merchant, as each merchant’s return policy does vary.

To dispute a purchase made using Google Pay contact NAB on:

• Personal customers, 13 22 65 from Mon - Fri 8am - 7pm or Sat-Sun 9am - 6pm (AEST/AEDT) or +61 3 8641 9083 if you’re overseas or;
• Business customers, 13 10 12 from 8am - 7pm Mon - Fri, or 9am - 6pm on weekends (AEST/AEDT) or +61 3 8641 9937 if you're overseas.

Alternatively, you can also dispute a Google Pay transaction using Internet Banking and the NAB app.

For a NAB Visa Debit Card the limit of your spend is determined by cleared funds available in the NAB account you are accessing.

For a NAB Visa Credit Card, the limit of your spend is determined by the credit limit for your NAB credit card account as well as how much of that limit is available for use.

Otherwise the daily transaction limits that apply to your physical card also apply to Google Pay transactions.

Separate limits cannot be set specifically for Google Pay purchases. Important: Some merchants may set their own transaction limits for contactless purchases.