BSB 806 015

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BSB 806 015

Digital Wallets

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

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 P&N Bank card.

If you have any questions, please contact us on 13 25 77 or enquire at your local P&N branch.

Find out more


Apple Pay


Google Pay


Samsung Pay

Frequently asked questions

  • What is a digital wallet?

    A digital wallet is an easy and secure way to pay with your Visa debit or credit card using your smart phone. Apple PayGoogle Pay and Samsung Pay are the digital wallets that are supported by P&N Bank.

    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.

    You can use your phone or device to make a payment in stores where you see the participating digital wallet symbols.

  • How do I use my digital wallet?


    To authorize a payment hold your iPhone 6 (or later model) above or near the contactless reader and place your finger on the Touch ID to authorize payment (if Touch ID is enabled); or enter your device passcode (if Touch ID is not enabled).

    Samsung Gear Smartwatch

    After putting on your Gear smartwatch, you will be prompted to enter your PIN once to authenticate the device. Samsung Pay on Gear needs to be authenticated each time the Gear smartwatch is put on and requires a periodic connection to a compatible smartphone with Samsung Pay and internet access. Press and hold the back button to launch Samsung Pay. The last card used or latest card added will be shown. You can select the card you want to pay by swiping left or right, or by rotating the bezel to select card. Tap on the Pay button to make payment. Place the top crown of your Gear smartwatch near the NFC or MST area to pay.

    Samsung Smartphone

    Initiate Samsung Pay by either swiping up from the home button or opening the Samsung Pay app from the home screen. Select your P&N Bank Visa debit or credit card by swiping left or right. Verify your fingerprint and touch your phone to either the card reader or NFC reader to complete the transaction. Alternatively, enter your 4 digit Samsung Pay PIN if you have chosen not to use the fingerprint feature. If you have a Samsung Galaxy S8 or Galaxy S8+ smartphone you can authorize the payment using the Iris Scanner. Please note that you must wait until the verification is over before touching your phone to the reader or an error might occur.

    Android Phone

    Wake your phone by tapping the home or power button. Hold the back of your smartphone over the contactless symbol at checkout when prompted by the cashier. If the transaction is over $100 you will need to enter your card PIN at the terminal. Confirm with the merchant that the Google Pay transaction has been accepted and collect your receipt. To make a purchase in a mobile app, select Google Pay at checkout. Your P&N Bank Visa debit or credit card and address details will be automatically added.

    If any further instructions on how to use your digital wallet are required, please choose your digital wallet below:

  • Is it safe to use a digital wallet?

    Yes, it is safe to use a digital wallet, here are some of the specific security features of the different digital wallets available;

    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 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 P&N Bank 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 P&N Bank 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.

  • What do I do if there’s a fraudulent transaction from my digital wallet?

    If you see a suspicious transaction on your account using your digital wallet, please call us immediately on 13 25 77 (or 1300 705 750 after hours). We’ll help you list your existing card details as stolen and arrange for a replacement card to be ordered.

    If your digital card has been compromised, it’s important that you do not use Internet Banking or the Mobile App to report your card as lost or stolen. When a replacement card is ordered from one of our self-service platforms, the new card details may automatically replace your existing card details in a digital wallet. This could increase the risk of additional fraudulent transactions being processed.

  • Does it cost extra to use a digital wallet?

    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.

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