Samsung Pay

Samsung Pay is a method of contactless payment introduced by Samsung. With Samsung Pay, you can add your eligible NAB Visa cards to a Samsung device. This will enable you to make contactless payments right from your device (without your physical card) wherever you can make contactless payments, even when traveling internationally.

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

You need to have a data connection in order to set up Samsung Pay. You aren't required to have data connection in order to use Samsung Pay for purchases.

Samsung Pay includes many security features. Samsung Pay uses an industry-standard encryption platform so that your card information is never revealed or shared with merchants or with Samsung. Samsung Pay also requires you to use a personal 4-digit device code or biometric identifier (like a fingerprint) for an added layer of protection. For more information on Samsung’s privacy and security policies, see the Samsung Privacy Policy.

We'll help you with any issues when enrolling your NAB Visa card into Samsung Pay or have transaction queries. However, all enquiries related to your Samsung device or Samsung Pay app need to be directed to Samsung. Please refer to the Samsung Pay FAQs for questions about:

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

You can also call the Samsung Support centre on 1300 425 299, 24 hours / 7 days per week.

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

• For personal customers, 13 22 65 from 8am - 7pm Mon - Fri, 7am - 6pm Sat or 9am – 6pm Sun (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

Additional/secondary cardholders of eligible NAB Visa card products may also register their card for use with Samsung Pay, before or after the primary cardholder.

Business credit or debit cardholders

All cardholders can register their card for Samsung Pay.

If you change your NAB Visa card product, your Samsung Pay service will be impacted. You'll need to set up the new eligible NAB Visa card with Samsung Pay. You should remove any unused cards from your wallet after you set up the new card product.

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

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

To set up Samsung Pay, you'll need your compatible Samsung device and smartphone (these may be the same device), the Samsung Pay app and your eligible NAB Visa card. You need to be connected to the internet to set up Samsung Pay. For further information, refer to the Samsung Pay FAQs.

On entering the NAB Visa card details by following Samsung Pay’s enrolment instructions, you'll 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 Samsung 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) or
• by calling the NAB:
  • For personal customers, 13 22 65 from 8am - 7pm Mon - Fri, 7am - 6pm Sat or 9am – 6pm Sun (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 Samsung 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'll need to re-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 Samsung device – refer the Samsung Pay FAQs 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 8am - 7pm Mon - Fri, 7am - 6pm Sat or 9am – 6pm Sun (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 Samsung Pay. Only one card can be set to default in Samsung Pay at one point in time. The card that you have selected to be default within Samsung Pay will be used when you do a transaction using a contactless terminal. For further information, please refer to the Samsung Pay FAQs.

Before you get started, remember:

1. When you first set up Samsung Pay you are prompted to set up a Samsung Pay device code and then nominate your preferred verification method/s (which may include a biometric identifier, like a fingerprint, for your Samsung device). This code must be set up before you can enrol NAB Visa cards in the Samsung Pay app. When selecting device codes please choose something different from your NAB card PIN or other banking passcodes.
2. Never share your Samsung device with anyone else to help avoid unauthorised use of your NAB Visa cards. Don’t let anyone else register their biometric identifier (eg. Fingerprint) to your device.
3. Your NAB Visa card should be the “default” card on your Samsung Pay App and Samsung device for payments to be made using the NAB Visa card. For information on how to make your NAB Visa card the “default” card, please refer to the Samsung Pay FAQs.
4. If prompted by the payment terminal for a PIN code, enter the PIN for your NAB Visa card (not your Samsung Pay device code).
5. If you have another wallet selected as the default contactless payment method on your Samsung device, you may need to select Samsung Pay as your default method of contactless payment on your Samsung device. Use your Samsung device’s settings to select your default contactless payment method.
6. If your Samsung device has not connected to a cellular or wireless internet connection for a prolonged period of time, Samsung Pay may not work and there may be a delay in time before Samsung Pay works once a connection has been re-established.

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

You can remove or delete a card from the Samsung Pay service by using the Samsung Pay app on your paired smartphone. Please refer to the Samsung device FAQs to understand how to remove or delete cards.

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

To remove a cardholder from your personal credit or debit card, please contact NAB on 13 22 65 from 8am - 7pm Mon - Fri, 7am - 6pm Sat or 9am - 6pm Sun (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 - 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.

Additional cardholders of personal cards

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

Helpful Hints:

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

Helpful Hints:

• As a facility or business owner, you will only be able to remove a cardholder’s access to Samsung 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 Samsung Pay app on your paired smartphone. This will show you the merchant name, date and amount.

You cannot see any transaction details on your Samsung Pay device other than a success message when the payment is completed, unless your chosen Samsung Pay device is your paired smartphone.

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 NAB Mobile Internet Banking.

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 Samsung 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 Samsung Pay purchases, and allow you to identify which virtual card number belongs to which device if you have more than one device registered for Samsung Pay.

No one can use your Samsung device to make payments unless you’ve entered your chosen personal device code or verification method. No one will be able to access your personal banking details as they are not stored on the device.

If you lose your Samsung device, 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 Samsung device, you can delete the NAB Visa card from the Samsung app on your paired smartphone. If your paired smartphone is the Samsung device you chose to use Samsung Pay on and you lose this paired smartphone, you can log into Find My Mobile with your Samsung account to reset your device which will delete your card(s) in Samsung Pay. If you delete the card, you'll need to re-enrol it. For further information, please refer to the Samsung Pay FAQs.

A cardholder removing their Samsung Pay service won't affect any other cardholder's use of Samsung Pay.

If your card is lost or stolen, you can block your card immediately in the NAB Mobile Banking 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. When your card is blocked you won’t be able to use it for Samsung Pay. But as soon as your new physical card is delivered, you can re-enrol it for Samsung Pay and start using it for contactless payments.

The Samsung device is protected by your chosen device code or biometric identifier (eg. fingerprint). This needs to be entered to enable the Samsung device to be used to make transactions. Please refer to the Samsung device FAQs.

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

• For personal customers, 13 22 65 from 8am - 7pm Mon - Fri, 7am - 6pm Sat or 9am – 6pm Sun (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're giving your device to someone else you’ll need to factory reset it to erase apps and all personal data from the device. Please refer to the Samsung Pay FAQs. You may be liable for any transactions not made by you if you shared your Samsung device.

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 Samsung Pay contact NAB on:

• For personal customers, 13 22 65 from 8am - 7pm Mon - Fri, 7am - 6pm Sat or 9am – 6pm Sun (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

Alternatively you can also dispute a Samsung Pay transaction using Internet Banking and Mobile Internet banking 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.

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