Why use Apple Pay?

Quick

Pay using your iPhone in store, in selected apps or on participating websites, without reaching for your wallet.

Safe

Paying with Apple Pay is contactless and safe. And it works wherever you can tap and pay.

Secure

Your card number is never shared or saved on your device. All payments are securely authenticated using Face ID, Touch ID or your device passcode.

Where can you use Apple Pay?

Use Apple Pay wherever you can tap and pay.

You can also pay online and in-apps wherever you see the Buy with Apple Pay button.

Here's what you need

Eligible cards

  • Personal NAB Visa credit or debit card

  • Business NAB Visa credit or debit card*

    (NAB Corporate and EFTPOS only cards are not currently supported)

Compatible devices

  • iPhone SE, iPhone 6 or later

  • Apple Watch Series 1 and later

  • iPad with Touch ID and Face ID. Mac models with Touch ID

Don't have an eligible NAB Visa Card?

Apply now for a personal or business NAB Visa Debit card and start using Apple Pay today with NAB.

Eligible cards

Get started with your NAB card on Apple Pay

  • Step 1 Open the Wallet app, and tap the + in the top right corner.
  • Step 2 Follow the prompts to add your NAB Visa card.
  • Step 3 We may verify your identity via SMS as part of setup.
  • Step 4 If you have an Apple Watch, you will be prompted to set this up at the end.

How to use Apple Pay in store


To pay with Face ID:

Double click the side button, glance at your screen, then hold your iPhone near reader.

A secure, more private way to pay

Every purchase using Apple Pay is authenticated using Touch ID or Face ID. A unique card number is generated specifically for your device, so your physical card’s number is never stored on your device, on Apple servers, or shared with merchants.

Apple Pay doesn’t keep transaction information that can be tied back to you, ensuring all purchases are private.

When using Apple Pay, you’ll enjoy the same security and fraud protection you receive with your physical card, for extra peace of mind.

Eligible NAB Visa Cards and accounts

NAB Visa Debit cards

Access your own money wherever you are, however you bank.

NAB Visa Credit Cards

Start using Apple Pay today with a NAB Credit card

NAB Business accounts

Start using Apple Pay today with a NAB Business account

Common questions and answers

What if I lose my device?

  • Your device’s Wallet is still secured with Face ID, Touch ID, or your passcode.
  • You can remotely lock, locate, and track your device using Find my iPhone.
  • You can also log into your Apple ID remotely and remove all cards from Apple Pay.

If you still can’t locate your device, please call NAB:

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

What if my physical 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 Apple Pay while you wait for your new physical card, your replacement card details will be updated to your device automatically.

Are there any limits or restrictions on Apple Pay purchases?

The same daily transaction limits from your card apply to Apple Pay.

For purchases over $100 at supported merchants, you may not be required to enter a PIN as your purchase has already been authenticated through Face ID or Touch ID.

If you have set any blocks or card controls in the NAB app, these will also apply to your card in Apple Pay.

Can I use eftpos with Apple Pay or only Visa?

When you add your NAB Visa debit card to Apple Pay, the card will default to the Visa network for payments with Apple Pay. You may also see the option to change the payment network to eftpos.

If you change payment networks, that network will be the default for future purchases until you change it again.

Please note: to use your NAB card in-store with Apple Pay outside of Australia, you’ll need to switch your card back to the Visa network.

To change the payment network on iPhone:

  • Open the 'Wallet' app.
  • Tap on the NAB Visa debit card you want to change.
  • Tap the more button (…).
  • Choose either Visa or eftpos.

To change the payment network on Apple Watch:

  • Double click the side button.
  • Select the NAB Visa debit card you want to change.
  • Tap on your NAB Visa debit card
  • Firmly press the display.
  • Choose either Visa or eftpos.

How to use eftpos with Apple Pay on your existing NAB Visa debit card.

To switch from the Visa network to eftpos on Apple Pay with your existing Nab Visa debit card, you’ll need to remove your card from the Wallet app then add it again.

You’ll have to have your physical card with you to update via the Wallet. You can’t currently do this using the NAB app.

To update your card on iPhone:

Step 1:

  • Open the Wallet app.
  • Tap on the NAB card you want to update.
  • Tap the more button (…).
  • Tap Remove Card.

Step 2:

  • Open the Wallet app.
  • Tap the “+” sign in the upper right corner and follow the prompts.
  • When prompted select ‘Add a Different Card’.
  • Add your card using the iPhone camera to capture the card information or by manually entering your card details.

To update your card on Apple Watch:

Step 1:

  • Open the Apple Watch app on your iPhone.
  • Go to the “My Watch” tab.
  • Tap “Wallet & Apple Pay”.
  • Tap on the NAB card you wish to update.
  • Tap “Remove Card”.

Step 2:

  • Open the Apple Watch app on your iPhone.
  • Go to the “My Watch” tab.
  • Tap “Wallet & Apple Pay”.
  • Tap “Add Card” and follow the prompts.
  • When prompted select ‘Add a Different Card’.
  • Add your card using the iPhone camera to capture the card information or by manually entering your card details.

How can I return or get a refund for items purchased using Apple Pay?

When you make a purchase using your Apple Pay in a retail store, the store receipt will show the last four digits of the device account number used to make the purchase instead of the digits of the card number that the purchase was debited from.

If you need to return an item, the retailer can refer to the device account number to process your return. Follow these instructions to find your device account number.

iPhone or iPad:

  • Open the settings app.
  • Select Wallet and Apple Pay.
  • Tap the card that the purchase was debited from.
  • Scroll to Device Account Number.

Apple Watch:

  • Open Apple Watch app on your iPhone.
  • Go to My Watch tab and select Wallet and Apple Pay.
  • Tap the card that the purchase was debited from.
  • Scroll to Device Account Number.

The retailer can process the refund back onto your Apple Pay.

  • For iPhone, hold the device near the terminal and authorise.
  • For Apple Watch, double click the side button and hold your Apple Watch near the device.

When can I start making purchases using Apple Pay?

If you’ve applied for or requested a new NAB Visa Debit card, you can start using your card before it arrives in the mail.

  1. Go to Cards in the NAB app.
  2. Select your NAB Visa Debit card. Make sure you can see the Apple Pay logo and ‘Available to set up’ next to your card.
  3. Tap Apple Pay.
  4. Tap Add to Apple Wallet and follow the prompts.

Additional support

For help with setting up or troubleshooting refer to Apple’s FAQs or contact NAB.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Apple Pay with NAB - terms and conditions

Important things to know before adding NAB cards

Dated: 6 November 2020

  • These terms and conditions and Apple Pay’s terms and conditions apply to the use of your card details through Apple Pay on your Apple device. In addition, the terms and conditions and protections that apply to your card, card details and contactless readers will also apply to the use of your card details through Apple Pay on your Apple Device.
  • Unlike contactless payments made using your card, when using Apple Pay at a contactless reader, you won’t always need to enter your card PIN for purchases of $100 or more. It will depend if the merchant has a compatible contactless reader.
  • Not keeping your Apple device’s passcode secure may mean you’re liable for unauthorised transactions. If you think the security of your Apple device’s passcode has been compromised, call us on 13 22 65 (personal) or 13 10 12 (business).
  • Tips for keeping your Apple device’s passcode secure:

o Never store your device passcode on, or with, the device.

o Don’t let anyone else register their biometric identifier (eg. Touch ID, Face ID) to your device.

o Don’t share your Apple device’s passcode with anyone.

o Choose a passcode that’s easy for you to remember and hard for others to guess.

o Don’t use the same passcode as you do for your other banking or anything obvious like your date of birth.

  • Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay Touch ID and Face ID are trademarks of Apple Inc.

Additional cardholders of personal cards

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

Helpful Hints:

  • An additional cardholder can set up and use Apple Pay even if Apple Pay is not used by the primary cardholder.
  • An additional cardholder can register for Apple Pay before the primary cardholder does. The primary cardholder will only be able to remove an additional cardholder's access to Apple 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 8am - 7pm Mon-Fri, or 9am - 6pm on weekends (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 Apple 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 Apple Pay.

Helpful Hints:

  • As a facility or business owner, you will only be able to remove a cardholder’s access to Apple 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.

Device lost or stolen

If your Apple device is lost or stolen, refer to www.apple.com/au/apple-pay for how you can delete card(s) in Apple Pay or let us know immediately by calling NAB on 13 22 65 (personal) or 13 10 12 (business). Deleting your card from Apple Pay will still allow you to keep using your physical card.

Privacy

  • We use your information in accordance with the www.nab.com.au/privacy-policy
  • Apple shares information with us for fraud and identification purposes.
  • For Apple’s privacy policy visit www.apple.com/au/privacy
  • We may exchange information with Apple and the relevant card scheme networks related to the set up and use of Apple Pay

Other info

  • For eligible cards / devices or for instructions to add or remove cards, and to get a copy of these terms please visit nab.com.au/applepay.
  • To get a copy of your card’s terms and conditions please visit nab.com.au

Important information

Apple Pay is a facility provided by Apple Inc. You should consider the Terms and conditions above and the Apple Pay Terms of Service before downloading the app and using this facility.

* The NAB Business Payments Card is not supported for Apple Pay

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

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