BCU Visa card with Apple Pay. A safer way to pay.
Using your Visa card with Apple Pay, you can make contactless purchases for any amount using Face ID or Touch ID – no PIN required.
Now more than ever, Apple Pay is a better way to pay with your Visa card. It’s contactless, safe and easy. And it keeps you from having to touch the payment terminal or exchange cash when you’re out getting what you need.
Apple Pay works wherever you can tap and pay 
. You can also use it online and in apps when you see Apple Pay at check-out.
If you’ve never made a contactless payment with Apple Pay, it’s easy to set up. On iPhone, open the Apple Wallet app, tap the “+” symbol in the top right and follow the simple instructions. You can also set up your Apple Watch to pay with Apple Pay, from the Apple Watch app on your iPhone.*
Not a member or you don't have a BCU card?
If you'd like to become a member and start using Apple Pay, open a BCU Access account online.
Set-up is simple
Adding your card to Apple Pay is easy. Here’s how to get started:
iPhone
- Open the Wallet app
- Tap the plus sign in the upper-right corner
- Enter your card’s security code to add your credit or debit card from your iTunes account. Or, select Add a different card and use your camera to enter the card information*
Apple Watch
- Open the Apple Watch app on your iPhone
- Tap Wallet & Apple Pay and select Add a Credit or Debit Card
- Enter your card’s security code to add your credit or debit card from your iTunes account. Or, select Add a different card and use your camera to enter the card information*
iPad
- Go to Settings
- Tap Wallet & Apple Pay and select Add Credit or Debit Card
- Enter your card’s security code to add your credit or debit card from your iTunes account. Or, select Add a different card and use your camera to enter the card information*
When you add your Visa card to Apple Pay, the card will be defaulted to the Visa network for payments with Apple Pay. To change the payment network on:
iPhone
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Apple Watch
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The easy, secure and private way to pay
Paying in stores
Apple Pay is the easiest way to pay in stores with your iPhone and Apple Watch. You can quickly check out using the devices you carry every day.
Paying in apps and on the web
Use Apple Pay to make purchases in all kinds of apps on your iPhone and iPad. Paying is as simple as selecting Apple Pay at checkout and completing the payment using Face ID or Touch ID. Apple Pay is also the easier, safer way to pay online in Safari on your iPhone, iPad, and Mac, as you no longer have to create an account orfill out lengthy forms. Simply pay and go. You can also pay on your MacBook using Touch ID.*
Lost or stolen cards
If your card is lost or stolen, you can continue to use it almost seamlessly. Report it through the BCU Bank app or BCU iBank under Services > Manage Card, reorder a new instant digital card and add it to your digital wallet. While you wait for your new card to arrive, you can keep making all your everyday purchases using Apple Pay on iPhone, Apple Watch, iPad and Mac.
Alternatively, call us straight away so that we can cancel your card. When the replacement card arrives you'll be able to add your new card details to Apple Pay.
Frequently asked questions
Apple Pay is a digital wallet from Apple which lets you use a compatible iPhone, Apple Watch, iPad or Mac to make secure contactless purchase in stores, within selected apps and participating websites.
Apple Pay is available on iPhone, iPad, Apple Watch, Mac with Touch ID, Mac with an Apple Pay enabled iPhone or Apple Watch and the latest OS.
For a list of compatible Apple Pay devices, see https://support.apple.com/en-au/HT208531
No, your card details are not stored on the device or in the Cloud. When a card is added to Apple Pay, a Device Account Number replaces the need for the card number.
No, it does not cost you anything extra to use Apple Pay.
The usual credit or debit charges apply to purchases and some retailers may apply a credit or debit card surcharge to purchases made using any payment method, including Apple Pay, contactless or chip and PIN transactions.
You require an active data plan or Wi-fi connection to add your card to Apple Pay. Based upon your mobile plan and network, additional message and/or data charges may apply.
You can use your device to make a payment using Apple Pay in stores or anywhere you can tap and pay. Apple Pay can also be used within apps or on participating websites wherever they see the buy with Apple Pay mark.
Yes, Apple Pay is secure. A unique Device Account Number is securely stored on a chip in the device so payment can be made without any card information having to be shared with the retailer.
Other features which help to keep your payments secure and safe include:
iPhone and iPad
All transactions require authentication using Face ID, Touch ID (if enabled), or by entering the device passcode.
Apple Watch
Payments can only be authorised if the device passcode has been entered and skin contact with the device has not been lost. If the device has been removed from your wrist, Wrist Detect deactivates the NFC feature and Apple Pay. To re-activate the NFC feature and Apple Pay the device passcode has to be entered again.
Please note: you should never share your device passcode, or register more than one person’s Face ID, orTouch ID, while your card is registered to Apple Pay.
You should contact us straight away on 1300 228 228 so the lost or stolen card can be cancelled and no further purchases made. When the replacement card is issued we will automatically update Apple Pay with your new card details. You can continue to make purchases using Apple Pay before your new card arrives.You may be limited to transactions under $100 until your new PIN arrives.
Get help if your device is lost or stolen link: https://support.apple.com/en-au/HT201472
Important things you should know
Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.