Apple Pay is a digital wallet that allows you to make contactless payments with your compatible Apple device at contactless terminals in store, online and in-app at participating merchants.

All Qudos Bank credit cards and Visa debit cards which support contactless payments are eligible to be added to Apple Pay. Please note that Cue Card is not enabled for Apple Pay.

Apple Pay can be more secure than using a physical card. 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.

Yes, we may exchange information with Apple relating to the set up and use of Apple Pay, including (but not limited to) information about your Apple Device (on which your Qudos Bank Card is registered), your transaction history and other information required to facilitate the Apple Pay experience.

Apple may also use your personal information for different purposes. Please review Apple Pay’s terms and conditions and privacy policies carefully. We may also exchange your information with other service providers (such as Visa or EFTPOS).

If you don't want us to collect or disclose this information, you should not register a Qudos Bank Card for use in Apple Pay.

Full details on how we collect and use your personal information can be found in our Privacy Policy.

Apple Pay works with:

• iPhone SE (and later versions) in stores, within apps, and on the web in Safari
• iPad Pro, iPad Air 2, and iPad mini 3 (and later versions) within apps and on the web in Safari
• Apple Watch in stores and within apps
• Mac for payments on the web in Safari

For a full list of compatible Apple Pay devices, see Apple Support.

To successfully add a card to Apple Pay you will need to ensure that:

• you have a compatible Apple device
• you have an eligible Qudos Bank debit or credit card which has been activated
• you have provided Qudos Bank with your mobile number and email address in the correct fields

For customers based in Australia, please check and update the following details by going into online banking (go to settings/contact details):

1. Ensure you have a valid up-to-date email address registered with us; AND
2. Check that your mobile number is current and is in one of the two following formats: 614XXXXXXXX or 04XXXXXXXX. *Note that parentheses, spaces and dashes make your mobile number invalid.
3. Check your mobile number is in the ‘mobile’ field and not the ‘home’ or ‘business’ phone fields.

For customers currently living overseas, with an International Mobile number please send us a secure email or call us on +61 2 9582 3200 from Mon - Fri: 7am - 7pm (AEST) and Sat: 9am - 5pm (AEST)

When you add a card to Apple Pay, you are required to verify it to help protect your account. As part of the process through Apple Pay we will send you a text message to your mobile with a verification code. You should ensure that Qudos Bank has your correct mobile number in order to receive the verification code via text message (you may also call our Contact Centre on 1300 747 747 for verification). We also require a current email address to send the welcome notification. If you do not have a valid mobile and email registered with us (or have had these details registered for less than 30 days), you may also call our Contact Centre on 1300 747 747 for verification and Card provisioning.

The Device Account Number is used to make secure purchases in stores and within apps and websites. It will not work if it is compromised in any way and cannot be used outside of the device it is assigned to.

The Device Account Number can be found by opening the Wallet app, select a card and tap the symbol, then scroll down to Device Account Number.

Yes, you can add multiple Qudos Bank cards to Apple Pay on compatible Apple devices and choose a default card. However, you must select the required card prior to making a purchase if more than one card is added.

Yes, you can add the same card to more than one device.

Apple Pay will work in all countries where contactless payments are accepted. We recommend you take your plastic card as a backup, as not all merchants in all countries may support contactless payments.

Yes, you can add your loyalty cards and gift cards to Apple Pay.

If you make a transaction of over $100 you might be prompted to enter your physical card PIN at the contactless terminal. If a PIN code is required to authorise a refund, you will need to enter your physical card PIN at the terminal.

No. You don't need an internet connection to use Apple Pay in stores.

No, currently you cannot take cash out using your Qudos Bank Debit card with Apple Pay.

If the replacement card has the same card number and different expiry, then you do not need to add your new card to Apple Pay, as the expiry date will be automatically updated.

If your replacement card is issued with the same card number but different expiry, you do not need to re-enrol your card in Apple Pay. However, until a new card is issued, the expired card will not work in Apple Pay.

No, if your physical card is placed on hold, reported lost or stolen or cancelled then the Device Account Number that was created when adding the card to Apple Pay will no longer be able to be used to process transactions.

iPhone

1. Open the Wallet app
2. Select the relevant card and then tap  symbol to see all the card details
3. Scroll down and select Remove Card

Apple Watch

1. Open the Apple Watch app on your iPhone
2. Go to the My Watch tab
3. Tap Wallet & Apple Pay and then Default Card
4. Tap the card and then tap Remove Card

iPad

1. Go to Settings
2. Tap Wallet & Apple Pay and then Remove Card
3. Choose the card to be removed from Apple Pay

Please note: if you remove your device passcode or Touch ID/Face ID security feature, or sign out of iCloud, all cards will be removed from Apple Pay on the device.

If you have the Find My iPhone app you can use it to remotely lock the device and disable the use of the Apple Pay function. Or you can log into iCloud.com to suspend or remove all cards from Apple Pay remotely. If you do not have the app you should contact us on 1300 747 747 to request that your card be disabled for use with Apple Pay.

If your device has been lost or stolen, you can prevent unauthorised payments being made with your card on Apple Pay by:

• Locking your phone remotely by using the Find My Device feature
• Permanently erasing all the data on your device remotely by using Apple’s Find My Device feature
• Reporting your card lost or stolen via online banking; our mobile app; contact centre or branch.