These days most Aussies use their Android smartphone for mobile banking. Be it online shopping with your mobile, or playing pokies and live casinos with a mobile, the process to fund and pay for the online or mobile transaction has become much easier. All the e-wallets offered at online casinos like Neteller, Skrill, and Neosurf can be used with your mobile.
Not all Banks or Phones Support Mobile Banking
When mobile payment technology started way back in 2014 then Australian banks also started to offer their own apps associated with smartphones for mobile banking. Interesting, not all phone supports mobile payments. This happens with older Android phones which don’t always come with the technology needed to make the connection to a mobile payment terminal. This piece of technology is inside nearly every modern debit and the credit card you own, and it tells the terminal what it needs to make the transaction possible. Called “Near-Field Communication” (NFC), it’s a chip that enables the whole “tap and pays” concept, but it won’t be found on every phone.
Expensive or latest Android phones like the Samsung Galaxy series do support NFC but less expensive or older versions miss out on this technology.
Similarly not every bank supports mobile payments on each of your smartphones. Like Apple Pay works for iPhone, you also have Google Pay, Samsung Pay, Fitbit Pay, and Garmin Pay for Android, and banks won’t always support all of them. This is because few banks have their own solutions and apps for online payment.
There are even wearables that do and will work with your phone. Smartwatches and smart bands can offer a way to add mobile payment technologies to a phone that doesn’t, as the technology is often built in there. That means even if your phone doesn’t support NFC for Google Pay or Samsung Pay, a wearable device can. It can add that technology to your phone and provided your bank supports it, you can use that smartwatch or smart band to pay for things.
Banks that Support Google Pay in Australia
One of the biggest mobile payment providers is Google and the Google Pay solution works on supported Android phones. If you’ve owned a Google Pixel, a Huawei P or Mate, or a phone that costs more than a thousand bucks from Samsung, Motorola, Nokia, LG, Sony, HTC, BlackBerry, or Razer, you more than likely have this technology on your phone. If you don’t own these costly phones then either go for a smartwatch that supports it. Or changing your bank that supports your phone is another option.
Google’s WearOS supports Google Pay, and WearOS appears on a lot of smartwatches, including those from Fossil, Michael Kors, Misfit, TAG Heuer, Skagen, and Emporio Armani, and Louis Vuitton.
Initially announced by Google in March 2016, Android Pay was officially launched in the US in May 2016, and in Australia in July 2016. Now it has been rebranded to Google Pay and is used in roughly 700,000 stores across the country.
Banks and lenders supporting Google Pay in Australia include American Express, ANZ, Bank of Melbourne, BankSA, Bankwest, Bendigo Bank, Commonwealth Bank (CBA), Heritage Bank, HSBC, ING, and Macquarie Bank, NAB, St George, Suncorp, UBank, Up, and Westpac.
Here are other Banks that Offer Google Pay in Australia:
- American Express
- Australian Unity
- Bank Australia
- Bank of Sydney
- Bendigo Bank
- Beyond Bank
- Big Sky Building Society
- CAPE Credit Union
- Catalyst Money
- Central Murray Credit Union Ltd
- Central West Credit Union
- Community First Credit Union
- Credit Union Australia
- Credit Union SA
- Defence Bank
- Family First Credit Union
- Firefighters Mutual Bank
- First Option Credit Union
- Goldfields Money
- Goulburn Murray Credit Union Co-Op
- Holiday Coast Credit Union
- Horizon Credit Union
- Illawarra Credit Union
- ING Direct
- Intech Credit Union
- Laboratories Credit Union
- Macquarie Bank
- Maritime, Mining & Power Credit Union
- MyState Bank
- Nexus Mutual
- Northern Beaches Credit Union
- Northern Inland Credit Union
- P&N Bank
- People’s Choice Credit Union
- Police Bank
- Police Credit Union
- QT Mutual Bank
- Queenslanders Credit Union
- Reliance Bank
- Select ENCOMPASS Credit Union
- South West Slopes Credit Union
- Sydney Credit Union
- Teacher’s Mutual Bank
- The Mac Credit Union
- The Rock Credit Union
- WAW Credit Union Co-Operative
- Woolworths Employees’ Credit Union
- Wyong Shire Credit Union
Google Pay is now integrated into stores such as Big W, 7-Eleven, Coles, JB HiFi and Dan Murphy’s to name a few, and includes MasterCard, Visa, Discover and American Express options. You can also load loyalty and gift cards to Google Pay so all your cards are in one convenient easy-to-access spot.
You’ll want to check whether your bank supports your specific card and account on Google Pay, but if you want to add Google Pay to a phone that doesn’t natively handle it, you’ll find it in a Google WearOS watch.
Banks that Support Samsung Pay in Australia
Samsung has its own mobile payment known as “Samsung Pay”. Samsung makes a fair amount of wearable devices, but its Galaxy Watch, Galaxy Watch Active, and Gear S3 smartwatches can add support for Samsung Pay to devices, alongside the other features they include.
Banking partners for Samsung Pay in Australia are quite varied and include the big four – ANZ, Commonwealth Bank, NAB, and Westpac and plenty of others, namely American Express, AMP, Australian Unity, Bank Australia, Bank of Sydney, Bendigo Bank, Beyond Bank, Border Band, Bank of Queensland, Citibank, CUA, Endeavour Mutual, First Option Bank, Heritage Bank, Illawarra Credit Union, IMB, Latitude Financial Services, Suncorp, Teachers Mutual Bank, UBank, Up, and Virgin Money, to name but a few.
Banks that Support Wearables
Support Fitbit Pay in Australia
It’s not just the bigger smartwatches that offer pay integration, as select Fitbit models get it, as well. The Fitbit Ionic and Versa are set up for mobile payments using Fitbit’s own “Fitbit Pay”, as is the wrist-worn Fitbit Charge 3 tracker.
Australian banks that support Fitbit Pay are few, but you’ll find support from the big four: ANZ, CBA, NAB, and Westpac as well as Bendigo Bank, Credit Union SA, Heritage Bank, Illawarra Credit Union, IMB Bank, Latitude Financial Services, Macquarie Bank, MyState Bank, UBank, and Up.
Banks that Support Garmin Pay in Australia
Garmin has its own for its wearables as well. Garmin Pay smartwatches and wearable fitness gadgets are supported by ANZ, Bendigo Bank, CommBank, Community Alliance Credit Union, Credit Union SA, Cuscal, Heritage Bank, IMB Bank, Illawarra Credit Union, Latitude Financial Services, MyState Bank, NAB, Up, and Westpac.
What if you Own iPhone?
Apple Pay is the option for iPhone and it is the contactless payment service for iPhones and Apple Watches. Over 31 banks have signed up to offer Apple Pay to their customers through one of Australia’s largest payments solutions providers Cuscal. Commonwealth Bank, ANZ, CommBank, American Express, Bendigo Bank, Citibank, CUA, Endeavour Mutual, HSBC, Illawarra Credit Union, IMB Bank, ING, Latitude Financial Services, People’s Choice Credit Union, RACQ, Suncorp, Teachers Mutual Bank and more.