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Apple Pay lets you use your compatible iPhone or Apple Watch to securely pay with your eligible Bank of Melbourne Visa cards in store. You can also use Apple Pay on your iPhone, iPad or Mac to securely pay in apps and on the web with Safari. Learn more here
To add your card to Apple Pay, you’ll need to have enabled either Face ID, Touch ID or a passcode on your device and be signed in to your iCloud account. Ensure your region is set to Australia and you have internet access.
Add your card to Apple Pay on an iPhone or iPad
On iPhone open the Wallet app and tap + in the top right hand corner
On the iPad, go to Settings, tap Wallet & Apple Pay and tap Add Card
Follow the prompts
Read and agree to Bank of Melbourne Apple Pay Terms and Conditions
We may ask you to verify your identity via an SMS code for security purposes, your details are verified your card is added and ready to use.
You can pay with Apple Pay anywhere contactless payments are accepted, with your iPhone or Apple Watch. You will need to authenticate with either Face ID, Touch ID or your device passcode. Make sure you do not share your device passcode with anyone else or let anyone register their face or fingerprint on your device, as that person will be able to make Apple Pay payments and you will be responsible for their use of your card.
You can also use Apple Pay to make in-app payments and pay online in Safari.
To pay with your Apple Watch using your default card, you must enter your passcode when you first put your watch on your wrist. Double-click the side button on your Apple Watch and hold the display near the contactless reader.
Wait until the watch generates a gentle tap.
Note: You may be asked to enter your card PIN for transactions over $100 at some terminals.
You can pay with Apple Pay anywhere contactless payments are accepted, with your iPhone or Apple Watch. You can also pay with Apple Pay in-app and online via Safari wherever you see the Apple Pay icon or term displayed.
Very Secure. Security and privacy are at the core of Apple Pay. Apple uses security features built-in to the hardware and software of your device to help protect your transactions. Apple doesn’t store or have access to your full card details and these are never stored on your device or shared with merchants when you use Apple Pay. Merchants are only provided with your Device Account Number.
Each transaction is authorised by your Touch ID, Face ID or the device passcode and a confirmation is displayed in the Wallet. This shows the merchant name, where and when the transaction occurred and the amount of the payment or refund.
If you misplace your device you can use Apple’s Find My app service to remotely lock your device or permanently erase the data on your device, including your card details to prevent further Apple Pay transactions being processed.
Subject to our Credit Card conditions of use, you are covered by our Fraud Money Back Guarantee for any unauthorised purchases made with your Bank of Melbourne card on Apple Pay. Subject to our Deposit Account Terms and Conditions, you are covered for any unauthorised transactions made on your Bank of Melbourne Debit Card on Apple Pay.
When you add a card to Apple Pay, you are required to verify it to help protect your account. Verification is a two-step process. In the first step, you will be asked to verify the last four digits of your mobile phone number. You will then be sent a Secure Code via an SMS message to your registered Australian mobile number. This completes the verification process for Apple Pay.
To set up Apple Pay you need to have registered for our Secure Code service using an Australian mobile phone number. If you have not registered for this service, you will need to call us to set it up. You will be asked to verify your identity before we can set this up for you. You may also be asked to contact the bank if there is an error when attempting to enrol your card in Apple Pay.
When adding cards to Apple Pay a Device Account Number is created in place of your card account number. This number is used when you make a payment with Apple Pay (or a refund of that payment), so that your card account number isn't shared with the merchant and won’t appear on the receipt. Each time you add a card to Apple Pay, a new Device Account Number is created.
If you are using Apple Pay to obtain a refund, you may have to provide the last 4 digits of your Device Account Number. You can find your Device Account Number on the card details screen in your Apple Wallet.
The card details shown on the receipt provided by a merchant will contain the last four digits of your Device Account Number rather than your physical card number. You can find your Device Account Number on the card details screen in your Apple Wallet.
Yes, you can add multiple Bank of Melbourne eligible cards to Apple Pay on compatible 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, the transaction limits and daily withdrawal limits that apply to Apple Pay are the same as your physical debit or credit card. If a PIN is required to authorise a payment, cash out or refund, you will need to enter your physical card PIN at the terminal.
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 cannot be used to process transactions.
If your physical card has been lost or stolen, you can:
Log on to Bank of Melbourne Internet or Mobile Banking and self-serve to place a temporary block on your physical card through the Card on Hold service;
Log on to Bank of Melbourne Internet or Mobile Banking and self-serve to report your physical card lost or stolen;
If not registered for Internet Banking, call Bank of Melbourne to place a hold on or cancel the physical card.
Once your physical card is reported lost or stolen or placed on hold you will be unable to use Apple Pay. If you have reported your card lost or stolen, you will receive a replacement physical card, which will need to be activated and re-added to Apple Pay.
For an Apple Watch: You need to turn off activation Lock and remove your personal information, including any cards you have added to your Apple Wallet. More information: https://support.apple.com/en-au/HT208855
Yes, when you tap on a card in Wallet, you will see the latest 10 transactions for that card. You will only see transactions made with Apple Pay, not transactions made with your physical Bank of Melbourne Visa card. To view a complete list of your transactions, refer to your Bank of Melbourne Visa statement.
If you’ve set up your Apple Watch with Apple Pay, you can check your transaction history in the Watch app on your paired iPhone. In the Watch app, tap Wallet & Apple Pay, tap your card, and tap the Transactions tab.
Yes, some merchants/retailers have enabled this functionality and you will be able to get cash out using your debit card. Visa debit cardholders will need to ensure that the eftpos SAV or eftpos CHQ payment network is selected for the cash out transaction to be processed successfully. You will be required to enter your card PIN at some contactless terminals when getting cash out. Cash out at ATMS is not yet enabled.
When you add your Bank of Melbourne Freedom card to Apple Pay, all transactions will be processed via the eftpos network. If your Bank of Melbourne Freedom card is linked to multiple accounts, transactions will be debited from the account selected on your device. You can change this account selection on your device whenever you make a payment.
When you add your Bank of Melbourne Visa debit card to Apple Pay, the card will default to the Visa network for payments with Apple Pay.
If you have linked a second account to your Bank of Melbourne Visa debit card, Apple Pay allows you to select the account you would like the funds to be debited from. Payments made via the Visa network are processed by Visa in the same manner as other payments on the Visa network and are debited from your linked default account. Transactions processed via the eftpos network will be debited to your selected account.
To change the default payment network to eftpos on your iPhone, open the Wallet app, tap on your Bank of Melbourne Visa debit card, tap the three dot icon and select eftpos SAV or eftpos CHQ from the Payment Option section.
To update the payment network on your Apple Watch, double-click the side button and select your Bank of Melbourne Visa debit card, then firmly press the display, then choose your preferred network.
If you use a Visa debit card on the Visa network the transaction is treated in the same manner as other payments on the Visa network. The merchant may pass on the transaction fee charged by their bank for processing payments on the Visa network.
If you use a Visa debit card on the eftpos network (select eftpos CHQ or SAV on your device), it is treated as an eftpos transaction. The merchant may pass on the transaction fee charged by their bank for processing payments on the eftpos network.
Check with the merchant prior to making a payment to confirm if any fees are charged for your selected payment option.
If you want to take cash out with your debit card you will need to select an eftpos CHQ or SAV option.
A Bank of Melbourne Freedom Card is an eftpos debit card linked to selected Bank of Melbourne transaction and investment accounts. Freedom Cards are available to customers aged 12 years and over and are issued on request at our branches. You can use your Freedom Card to purchase goods or services from merchants, withdraw cash from ATMs, and withdraw cash at the POS at some merchants in Australia.
A CVC is required to add a card to Apple Pay. This is usually a three-digit number found on the back of your Freedom Card. If your Freedom Card does not have a CVC, you can request to be issued a new Freedom Card with CVC at a Bank of Melbourne branch.