Having trouble getting started?

About Apple Pay

Using Apple Pay

Managing your card

Secure Payments

Merchants

Having trouble getting started?

How do I set up Apple Pay ?

To set up Apple Pay you will need to have Touch ID or a passcode on your device and be signed in to an iCloud account. Note: You will also need an internet connection to set up Apple Pay.    

Check your mobile number. When you add an ANZ card to Apple Pay, for security purposes we may send you an SMS to complete the process. Check the mobile number we have is up to date so you can receive it.

Now add your card to Apple Pay:

On iPhone and iPad:

  1. Open the Wallet app or if using your iPad go into Settings and tap ‘Wallet & Apple Pay’. Tap the plus sign in the upper right corner.
  2. To add a new ANZ card, use your device’s camera to capture your card’s information. You can also enter your card details manually. Next, enter your card’s security code.
  3. Tap next, and read and agree to the ANZ with Apple Pay Terms and Conditions.
  4. For security purposes we may ask you to call us or send you a verification code via SMS.

On Apple Watch:

  1. You will need to pair your compatible iPhone device with your watch.  Compatible iPhones for Apple Watch include iPhone 5 and above. Note: You'll need to add your cards to Apple Watch even if you have already set up Apple pay on your iPhone or iPad.
  2. Open the Apple Watch app on your iPhone.
  3. Tap 'Wallet & Apple Pay' and select 'Add Credit or Debit Card' and tap next.
  4. Use your iPhone camera to capture your card's information. You can also enter your card details manually. Next, enter your card’s security code.
  5. Tap next, and read and agree to the ANZ with Apple Pay Terms and Conditions.
  6. For security purposes we may ask you to call us or send you a verification code via SMS.
    Note: Do not add your card to someone else's device. Learn more about adding a card to your device.

About Apple Pay™

What is Apple Pay?

Apple Pay lets you use your compatible iPhone, iPad and Apple Watch to securely pay with your eligible ANZ cards in store, within apps and on the web.

Which devices can I use Apple Pay with?

You can add your eligible ANZ card to the following Apple devices:

You'll need iOS 9 or later for iPhone in store and in app purchases, watchOS 2 or later for Apple Watch in store purchases and iOS 9 or later for iPad in app purchases. You’ll need iOS 10 for purchases on the web and watchOS 3 for Apple Watch in app purchases.

Which ANZ cards will Apple Pay work with?

Apple Pay supports the following ANZ credit and debits cards:
ANZ Access Visa Debit
ANZ Balance Visa
ANZ Business Visa Debit
ANZ Business One
ANZ Business One Black
ANZ First
ANZ First Low Interest
ANZ Frequent Flyer Gold
ANZ Frequent Flyer Visa
ANZ Frequent Flyer Visa Black
ANZ Frequent Flyer Visa Black (Private Bank)
ANZ Frequent Flyer Visa Platinum
ANZ Frequent Flyer Visa Platinum (Private Bank)
ANZ Low Rate MasterCard®
ANZ Low Rate Platinum MasterCard®
ANZ Platinum
ANZ Rewards Visa
ANZ Rewards Visa Black
ANZ Rewards Visa Paycard
ANZ Rewards Visa Platinum
ANZ Visa Paycard
ANZ Frequent Flyer American Express® card
ANZ Frequent Flyer Black American Express® card
ANZ Frequent Flyer Gold American Express® card
ANZ Frequent Flyer Platinum American Express® card
ANZ Rewards American Express® card
ANZ Rewards Black American Express® card
ANZ Rewards Platinum American Express® card.

Can I add more than one card to Apple Pay?

Yes, you can add up to eight cards to the Wallet app on each device.

How much will Apple Pay cost?

There is no additional fee for using Apple Pay.

Where can I find out more information about Apple Pay?

You can read more about Apple Pay on the Apple Pay website . You can also provide your feedback.

Using Apple Pay

Where can I use Apple Pay?

You can pay with Apple Pay wherever you can make contactless payments using your eligible ANZ card, within apps and on the web when you see the Buy with Apple Pay button or Apple Pay as a payment method.

How do I pay in store using my iPhone?

To make a purchase in store, hold your iPhone up to the contactless payment terminal with your finger on Touch ID. If you do not have Touch ID enabled for your device, you can enter your device passcode instead. Fingerprint recognition or passcode authorises the payment. The terminal will indicate if the transaction has been successful. Always refer to the terminal to confirm the payment. For transactions over $100, you may also be asked to enter a PIN on the terminal.

Note: Do not share your passcode or let anyone else, including family members, have their fingerprint registered to your device while your card is registered in Apple Pay.

If you experience unusual activity whilst using Apple Pay with your ANZ card please notify ANZ immediately on 13 13 14.

How do I pay in store with an Apple Watch?

When using Apple Watch you must enter your passcode when you put the watch on your wrist. To pay, double click the side button on your Apple Watch, select your ANZ card and hold the watch face near the contactless reader. The terminal will indicate if the transaction has been successful. Always refer to the terminal to confirm the payment.

Note: Do not share your passcode with anyone else while your card is registered in Apple Pay.

If you experience unusual activity whilst using Apple Pay with your ANZ card please notify ANZ immediately on 13 13 14.

How do I pay within apps or on the web?

Look for the ‘Apple Pay’ icon during checkout. Simply tap the icon to review your payment information and contact details are correct; then use Touch ID, passcode or double click the side button on your Apple Watch to complete your purchase. The word ‘Done’ and a tick will appear on your screen when your payment is successful.

Note: Do not share your passcode or let anyone else, including family members, have their fingerprint registered to your device while your card is registered in Apple Pay.

If you experience unusual activity whilst using Apple Pay with your ANZ card please notify ANZ immediately on 13 13 14.

Do I need an internet connection to use Apple Pay to make purchases?

No, you don’t need an internet connection to use Apple Pay in stores. Your device uses Near Field Communications (NFC) to communicate with the terminal.

Will Apple Pay work overseas?

For ANZ customers Apple Pay will work in all countries wherever contactless payments are accepted. We recommend you take your plastic card as a backup when travelling overseas.

Can I use Apple Pay at contactless enabled ANZ ATMs, over the counter at the branch, or to withdraw cash in store?

No, at this stage Apple Pay will not work at contactless enabled ATMs, over the counter at the branch or to withdraw cash in store with purchases. You will need to use your physical cards to complete these transactions.

Do I still get reward points when I use Apple Pay?

Yes, you will continue to receive all of the same benefits, rewards, and security your eligible ANZ card offers when you pay with Apple Pay.

How do I return an item purchased with Apple Pay in store?

If you need to return a purchase made with Apple Pay, you may be asked to provide the last four digits of your Device Account number. To find them, select Settings > Wallet & Apple Pay > select Card > scroll down and view ‘Device Account Number’. You can also find it in the Wallet app by selecting the card and tapping on the iconsymbol on the lower right hand corner and then scrolling down and view ‘Device Account Number’.

Managing your card

Can I view transactions in Apple Pay?

Yes, you can view your last transaction made using Apple Pay when tapping on your card in the Wallet app. The last 10 transactions made with your device can be viewed by tapping the transactions button.
For a full list of transactions made with your card log on to ANZ Internet Banking or download or open the ANZ goMoney® app1.

How do I change my default card for Apple Pay transactions?

The first card you add to Apple Pay will automatically become your default card. To change your default card for Apple Pay, simply open the Wallet app, tap and hold the card you wish to be default, drag it to the front of the stack, and release.  You can also change your default card by selecting: Settings > Wallet & Apple Pay > Default Card > select new default card.

How do I remove a card?

You can remove your card from Apple Pay by selecting: Settings > Wallet & Apple Pay > Select Card > Remove Card.  You can also remove it in the Wallet app by selecting the card and tapping on the iconsymbol on the lower right hand corner and then scrolling down and selecting Remove Card.

Note: If you remove your passcode or Touch ID or sign out of iCloud all credit and debit cards will be removed from your device.

I am a primary credit cardholder. Can I block an additional cardholder from using Apple Pay?

It’s not possible to block an additional cardholder from a purchase type, such as Apple Pay, internet purchases or contactless.

You can request for an additional card to be stopped, which will prevent it being used for all transactions, including those through Apple Pay.

Note: Ensure any additional cardholders do not share their passcode or let anyone else, including family members, have their fingerprint registered to their device while their card is registered in Apple Pay as you will then be liable for transactions that are authorised in this way.

If I receive a reissued ANZ card, do I need to update my card information with Apple Pay?

Once you have activated your ANZ reissued card, your Apple Pay card list will automatically be updated with your new card details.

Can I still use Apple Pay if I report my card as lost or stolen?

When you call ANZ to report your physical card as lost or stolen, we will block that physical card. This will automatically suspend your card in the Wallet app until you receive and activate your replacement card.  When you activate your replacement card, your card registered with Apple Pay will be automatically updated with your new card details and be available for making purchases.

Secure Payments

Is Apple Pay secure?

Using your ANZ cards with Apple Pay is secure:

Do not share your passcode or let anyone else, including family members, have their fingerprint registered to your device while your card is registered in Apple Pay.

Learn more about Apple Pay and its security.

Do I need to use my card PIN with Apple Pay?

In some cases, for transactions over $100 you may be prompted to enter your card PIN when using Apple Pay in store.

What happens if my iPhone, iPad or Apple Watch is lost or stolen?

If your device is lost or stolen, you can easily suspend or permanently remove the ability to pay from your device with Apple Pay using ‘Find My iPhone’ or your iCloud account. Cards will be suspended or removed from Apple Pay even if a device is offline and not connected to a cellular or Wi-Fi network.   

If you subsequently find your device and take it out of ‘Lost Mode’ by entering your Apple ID, your Apple Pay Card(s) will automatically resume in the Wallet app.  

If you purchase a new device then you will need to set your cards up in the Apple Pay Wallet again.

Alternatively, call us right away on 13 13 14 and we'll suspend or delete your cards in the Wallet. We’re available 24/7. 

Merchants

How do I start accepting Apple Pay payments in my store?

If you accept contactless payments today, you’re likely to be able to accept Apple Pay payments.
If you’re not already accepting contactless payments, contact the ANZ Merchant Sales team on 
1800 086 325 to find out more.  

Are there additional fees to accept Apple Pay payments?

There are no additional fees to accept Apple Pay.

Are Apple Pay payments charged as card present or card not present?

Payments made using Apple Pay in stores are card present transactions. Payments made using Apple Pay within apps are card not present transactions.

How can I let my customers know they can pay with Apple Pay?

The Apple Pay payment mark can be used in websites, emails, online display ads, terminals, digital displays, and in-store to let your customers know that you accept Apple Pay.
The Apple Pay digital payment mark artwork and guidelines for usage can be downloaded on the Apple Pay website.

For terminal display updates the Apple Pay Marks will be automatically updated over the next three months as scheduled by ANZ. Alternatively if you press Function 2,4,6,8, Enter, Enter on your terminal it will pick up the new logo immediately.

How do customers authorise a payment?

When a customer makes a payment, they will authorise the payment via Touch ID, their device passcode or their card PIN. The terminal will indicate if the transaction has been successful.

Will customers need to enter a PIN when paying with Apple Pay?

In some cases, for transactions over $100 customers in Australia may need to enter their card PIN when using Apple Pay in store.

What is a Device Account Number and will it show on the receipt?

Instead of using a card number, Apple Pay assigns a unique Device Account Number (Token). When a customer makes a purchase, this number, along with a transaction-specific code, is used to process the payment – meaning you will never see card details.

The last four digits of the Device Account Number will appear on customer receipts instead of the last four digits of the card number.

How do I process refunds with Apple Pay?

Refunds for an Apple Pay purchase are processed in a similar way to traditional refund.

Please note that it is important that refunds are processed on the same card as the original transaction.

You will need to obtain the Device Account Number to find the purchase and process the return.

To see the last four or five digits of the Device Account Number, ask the customer to go to Wallet, tap the card, and tap iconon the lower-right corner of the display. You can also have the customer hold their iPhone or Apple Watch near the reader, select the card they used to make the original payment, and authorise the return with Touch ID or passcode.

What are Apple Pay in app or web payments?

Apple Pay payments provides an easy and secure way for customers with eligible ANZ cards to pay for goods and services in your iOS app or website (Safari only) with a single touch without having to enter payment, billing and contact details.

How do I start accepting Apple Pay within my app or my website?

Visit ANZ Secure Gateway or call our ANZ Merchant Sales team on 1800 086 325 to find out more.

How will the customer authenticate the transaction for an Apple Pay payment within an app or a website?

Customers will need to use Touch ID or a device passcode to verify all Apple Pay transactions.

1. Terms and conditions apply to the use of ANZ goMoney.

ANZ goMoney and goMoney are registered trademarks of ANZ

™ ANZ Falcon is a trademark of Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Falcon is a trademark of Fair Isaac Corporation.

Terms and conditions apply to the use of Apple Pay.

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

American Express is a registered trademark of American Express. ANZ American Express® cards are issued by Australia and New Zealand Banking Group Limited (ANZ) pursuant to a license from American Express.

MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.