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Secure, contactless payments

Start making secure contactless payments on the go with your phone today.

Benefits of digital wallets:

$0

Fee free

All your cards in the palm of your hand at no extra cost

Tick in circle

Enhanced security

Unlock your phone using biometrics on compatible devices

 
NPP payments

No more bulky wallets

Tap and pay with your mobile phone wherever contactless payments are accepted

Free ATM withdrawal

Private and secure payments

Your card details are never shared with the merchant or stored on your device

With a choice of mobile pay apps you can keep your change in the bank, not your pocket.

Paying with your phone is safe, easy to set up and works with the devices you use every day. Choose the solution that works for your phone and add your credit or debit card.

  • Convenience - make secure contactless payments on the go.
  • Security - card details are never stored on a device or shared with retailers.
  • Simplicity - no need to open an app, just hold your phone near a card reader wherever contactless payments are accepted.

Start making secure contactless payments on the go using your phone by selecting the app that works for you and adding your bcu card.

If you have any questions, please contact us on 1300 228 228 or enquire at your local bcu branch.

Find out more:

Frequently asked questions

A digital wallet is an easy and secure way to pay with your Visa Debit or Credit card using your smart phone. Apple Pay, Google Pay and Samsung Pay are the digital wallets that are supported by bcu.

Paying with your phone is safe, easy to set up and works with the devices you use every day. Choose the solution that works for your phone and add your credit or debit card.

More information on how to set up a digital wallet is available at the following locations:

Apple Pay: https://support.apple.com/en-au/HT204506

Google Pay: https://pay.google.com/intl/en_au/about/

Samsung Pay: http://www.samsung.com/au/apps/samsungpay/faq

Yes, it is safe to use a digital wallet. Some of the specific security features available for the different digital wallets are:

Apple Pay

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: Payments can only be authorized by using Touch ID (if it is enabled), or by entering the device passcode.
  • Apple Watch: Payments can only be authorized 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 fingerprint to Touch ID, while your card is registered to Apple Pay.

Samsung Pay

Samsung Pay uses Tokenization, a Secure Environment, and Samsung KNOX to secure your payment information. Additionally, you verify either using your fingerprint, Iris Scanner (Galaxy S8 and Galaxy S8+ devices only) or a 4 digit PIN when making purchases. Read more about Samsung Pay security features.\

Google Pay

With Google Pay your physical card number is not stored on your phone. Just like a contactless transaction with your bcu Visa card, Google Pay will not work for purchases over $100 unless you enter your PIN at the terminal.

Visa’s Zero Liability policy

All credit purchases made with your bcu Visa card through a digital wallet are covered by Visa’s Zero Liability policy*. This means you won’t be held liable for fraudulent charges or unauthorised purchases made with your card or account information. So you can use your card to shop with total confidence, as you will always be protected against unauthorised use.

* Visa’s Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions.

No, it does not cost you extra to use a digital wallet.

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 digital wallets, contactless or chip and PIN transactions.

You require an active data plan or WiFi connection to add your card to a digital wallet. Based upon your mobile plan and network, additional message and/or data charges may apply.

If your phone or device is lost or stolen, please call us immediately on 1300 228 228. You can also report your card as lost or stolen via iBank. To do this, go to Services > Manage Card. 

There are several more steps that can be taken depending on your device type:

Apple
The Find My iPhone app can be used to remotely lock the device and disable the use of the Apple Pay function, or you can log into iCloud.com and remove all cards from Apple Pay remotely.

Android
Androids Find My Device can be used to instantly lock your device, or wipe it clean of any personal information.

Samsung
Samsung’s Find My Mobile service can be used to remotely lock or wipe your device (also locking or wiping Samsung Pay and all the payment cards registered in it). If you just want to suspend your bcu Visa Debit or Credit card temporarily, login to Samsung Find My Mobile service and suspend your card.

You will only need your physical card for ATM withdrawals that do not support contactless payments and business locations without contactless functionality.

All credit purchases made with your P&N Bank Visa card through your digital wallet are also covered by Visa's Zero Liability policy*. This means you won't be held liable for fraudulent charges or unauthorised purchases made with your card or account information. So you can use your card to shop with total confidence, as you will always be protected against unauthorised use.

* Visa's Zero Liability policy covers Australian and New Zealand-issued cards and does not apply to ATM transactions, transactions not processed by Visa or certain commercial card transactions. Cardholders should notify their issuer promptly of any unauthorised Visa use.