Samsung Pay FAQs

Bank of Melbourne – Visa credit cards
Bank of Melbourne Gold Low Rate Visa
Bank of Melbourne Gold Advantage Visa
Bank of Melbourne Vertigo Platinum Visa
Bank of Melbourne Private Clients Visa Platinum
Bank of Melbourne Amplify Rewards Visa
Bank of Melbourne Amplify Rewards Visa – Qantas
Bank of Melbourne Visa
Bank of Melbourne Start Low Stay Low Visa
Bank of Melbourne Amplify Platinum Visa
Bank of Melbourne Amplify Visa
Bank of Melbourne Amplify Business Visa
Bank of Melbourne Vertigo Classic Visa
Bank of Melbourne Visa
Bank of Melbourne Start Low Stay Low Visa

Bank of Melbourne – Mastercard credit cards
Bank of Melbourne Gold Low Rate Mastercard
Bank of Melbourne Gold Advantage Mastercard
Bank of Melbourne Platinum Mastercard
Bank of Melbourne No Annual Fee Mastercard
Bank of Melbourne Mastercard
Bank of Melbourne Start Low Stay Low Mastercard
Bank of Melbourne Vertigo Mastercard

Bank of Melbourne – debit cards
Bank of Melbourne Visa Debit
Bank of Melbourne Visa Gold Debit
Bank of Melbourne Get Set Visa

At this time Bank of Melbourne Freedom cards and other Business cards are not supported by Samsung Pay.

To use Samsung Pay, your Samsung device must be running on Android OS 6.0 (Marshmallow) or higher, and support near-field communication (NFC) technology. NFC is required for Samsung Pay to work for in store transactions. You must also have a Samsung account. Check the Samsung Pay website for more information as Samsung may from time to time make changes to the operating system and device requirements.

Samsung Pay is a secure and easy to use third-party app that allows customers with an eligible card and a compatible Samsung device to make payments at contactless terminals and participating apps. To use Samsung Pay, an eligible Bank of Melbourne credit card must be added to Samsung Pay.

Samsung Pay uses near-field communication (NFC) technology to facilitate mobile payments.

Further information on Samsung Pay can be found at the following pages:

• www.bankofmelbourne.com.au/samsungpay
• www.samsung.com/au/apps/samsungpay/

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

• You have a Samsung account
• you have a compatible Samsung device and Samsung Pay app is installed
• you have an eligible Bank of Melbourne credit card or debit card which has been activated
• you have registered for Internet Banking and for Secure Code service using an Australian mobile phone number
• the name you have entered in the Samsung Pay app is an exact match to the embossed name displayed on your physical card, ie if a first name, middle name and surname are displayed on the physical card, all three must be entered in the app, to ensure you can successfully add a card.

See Setup Samsung Pay for more information.

When you add an eligible card to Samsung 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 Australian mobile phone number. You will then be sent a Secure Code via an SMS message to your registered Australian mobile number; to enter into the Samsung Pay app. This completes the verification process for Samsung Pay.

You can keep track of all your purchases. As soon you complete a transaction, you’ll see a payment confirmation that shows exactly where the transaction occurred, along with the merchant's name and number. So it's easy to detect any suspicious activity.

Your transactions and card information are secure. Samsung Pay requires you to authenticate every transaction. In addition, Samsung doesn’t keep your payment information on their servers and your account details are never stored on your phone or shared with merchants. When a payment is made at the terminal, the merchants will only see the Digital Account Number. When you set up Samsung Pay, you’ll have to establish an authentication method to authorise payments (either a PIN or biometrics identifier e.g. fingerprint).

Subject to our Credit Card terms and conditions that apply to your eligible card, you are covered by our Fraud Money Back Guarantee for any unauthorised purchases made with your Bank of Melbourne card on Samsung Pay. Refer to your card’s terms and conditions for full details, including when a customer will be liable.

You have greater peace of mind if you lose your phone. If your phone is ever lost or stolen, you can use Samsung’s Find My Mobile service to instantly lock your phone from anywhere, secure it with a new password or even erase your personal information.

To set up Samsung 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 Samsung Pay.

When adding cards to Samsung Pay a Digital Card Number is created in place of your physical card account number. This number is used when you make a payment with Samsung Pay (or a refund of that payment), so that your physical card account number isn't shared with the merchant and won’t appear on the receipt. Each time you add a card to Samsung Pay, a new Digital Card Number is created.

If you are using Samsung Pay to obtain a refund, you may have to provide the last 4 digits of your Digital Card Number. You can find your Digital Card Number in your Samsung Pay app.

Some possible reasons for why the transaction is declining even though the Digital Card Number still appears in the Samsung Pay app include:

• An incorrect card PIN has been entered at the terminal when prompted
• You don’t have an internet connection and a new Token Key is required for a Visa card
• Your Near Field Communications (NFC) is switched off on your mobile device
• Your card has been temporarily blocked 
• Your card or the transaction account has insufficient funds for the transaction 
• The payment terminal is a Mag Stripe Terminal (MST) Bank of Melbourne declines Samsung Pay payments made to MST. Use your physical card at MSTs instead.

Ensure Samsung Pay is selected as your default mobile payment service and that near-field communication (NFC) is switched on in your device settings. NFC sends your payment information to the store so you can make your purchase.

If you’re still experiencing issues when making a payment at a contactless terminal please check that you have internet connectivity, and that your physical card has not been temporarily locked.

Yes, the transaction limits and daily withdrawal limits that apply to Samsung Pay are the same as your physical debit and 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.

You do not need to re-enrol your card in Samsung Pay. Your replacement card details will be automatically updated in Samsung Pay and you can continue to make transactions without the need to activate your replacement card.

No, you do not need to re-enrol your card in Samsung Pay when your physical card has expired.  Your replacement card details will be automatically updated in Samsung Pay and you can continue to make transactions without the need to activate your replacement card.

Yes, you can add multiple Bank of Melbourne eligible cards to Samsung Pay on compatible Samsung devices. However, you must select the required card prior to making a purchase if more than one card is added, as the first card displayed in the Samsung Pay wallet is the card which was last used, viewed or verified.

Yes, you can add the same card to more than one device, or mobile wallet, as long as it is an eligible card, compatible device and operating system for that mobile wallet.

Yes, you can use Samsung Pay as a backup. If you have reported your physical card lost or stolen, your replacement card details will be automatically updated in Samsung Pay and you can continue to make transactions without the need to activate your replacement physical card.

If you have placed a temporary block on your physical card, it will also be temporarily locked in Samsung Pay and you will not be able to transact with that card using your device.

If you have added your eligible Bank of Melbourne Visa credit or debit card to Samsung Pay, you can use this to make payments overseas at contactless terminals in stores, online and in-app at participating merchants. To set up Samsung Pay for Bank of Melbourne while travelling overseas you must be able to receive a Secure Code on your registered Australian mobile phone and have an internet connection to download a valid Token Key.

There is no additional fee charged by Bank of Melbourne to add your card or use Samsung Pay.

In some cases, for transactions over the allowable contactless limit you may be prompted to enter your physical card PIN at the merchant terminal when using Samsung Pay in store. If a PIN code is required to authorise a refund, you will need to enter your physical card PIN at the terminal.

Yes, you can view up to the 10 latest Samsung Pay transactions, by tapping on your displayed card in Samsung Pay. Transactions will be displayed in the Samsung Pay app for one month from the time of purchase.

The card details shown on the receipt provided by a merchant will contain the last four digits of your Digital Card Number rather than your physical card number. You can find the last four digits of your Digital Card Number on the card details screen in your Samsung Pay app.

Yes, you can add barcoded loyalty cards to Samsung Pay. Gift cards are not accepted.

Yes, any reward points applicable to your physical card still apply to purchases made with Samsung Pay.

Yes, you can use Samsung Pay to make transport payments the same way you do with your physical card on services where contactless payments are accepted. In NSW, selected Transport for NSW services now support contactless transport payments. Contactless fares are the same price as a standard (peak) Adult Opal fare for the same trip. See the Transport for NSW website for more information.

You do not need an internet connection to make payments through Samsung Pay. However, you do need a valid Token Key to make a Samsung Pay payment; these are downloaded periodically by Samsung Pay via an internet connection. If you do not have an internet connection and have used all the Token Keys on your device for a Visa card you will not be able to make a payment using Samsung Pay until your device is connected to the internet, and new Token Keys have been downloaded. Token Keys for Mastercards do not expire and are only downloaded once.

When your device is connected to the internet, Samsung Pay will automatically download a Token Key for a Visa card if it is required. There may be a short delay after Samsung Pay downloads new Token Keys before you are able to make a payment with your Visa card on Samsung Pay.

You must also ensure that NFC (near-field communication) is switched on in your device settings.

• Go to the Samsung Pay App on your device. Select the Pay tab, tap on the card you want to remove, tap on the three dots in the top right corner of the screen and select Delete Card. A warning message is displayed "Delete card and all related transactions?". Tap, DELETE, enter your Samsung Pay PIN and your digital card will be removed from your Samsung Pay wallet.
• Alternatively, you can perform a factory reset on your device via Samsung's Find my Mobile service. If you are using Find my Mobile, your phone will require network connectivity.

If your physical card is closed it will be automatically removed from Samsung Pay and you will not be able to make transactions with that card on your device.

See Samsung Pay Find My Mobile for more information.

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

• Locking your phone remotely or permanently erasing all the data on your Samsung device remotely by using Samsung’s Find My Mobile service
• Logging on to Internet Banking and placing a temporary block on your physical card

If you get a new mobile device, you will need to add each card to Samsung Pay using the normal enrolment process.

You should perform a factory reset on your old mobile device. This will erase the Samsung Pay app and personal data and delete any cards you have added to the app. You can use Samsung's Find My Mobile service to permanently erase all the data on your device to prevent further Samsung Pay transactions being processed.

See Samsung Pay Find My Mobile  for more information.

As per the Bank of Melbourne Samsung Pay Terms and Conditions, your personal information will be shared with Samsung and its service providers to:

1.      Operate Samsung Pay

2.      Detect and address fraud

3.      Improve and promote Samsung Pay

4.      Comply with applicable laws and respond to regulatory or government inquiries.

Samsung may store this information outside Australia.

Samsung can provide us with certain information including your device details, personal details, location and account information.

If you do not agree to your information being disclosed or used in this manner you should not add your card to Samsung Pay.

Further information on Samsung Pay can be found at the following Samsung page: www.samsung.com/au/apps/samsungpay/

Privacy Statement

The Bank of Melbourne Samsung Pay Terms and Conditions are available at:

• www.bankofmelbourne.com.au/online-services/ways-to-pay/terms-conditions/samsung-pay

Please read these carefully before applying to use Samsung Pay.

Yes, you can take cash out using your Bank of Melbourne Debit card in Samsung Pay, wherever you usually do this. Visa debit cardholders will need to ensure that the ‘eftpos’ payment option is selected for the cash out transaction to be processed successfully. This will update your default payment option for the next time you make a purchase. You may 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 Visa debit card to Samsung Pay, the card will default to the Visa network for payments with Samsung Pay. 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 primary linked account.

To change the default payment network to eftpos in Samsung Pay, open the Wallet app, tap on your Visa debit card and select the radio button for ‘eftpos’ or ‘Visa’. This will update your default payment option for the next time you make a purchase.

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. If you use a Visa debit card on the eftpos network (select eftpos on your device), it is treated as an eftpos transaction. 

If you want to take cash out with your debit card you will need to select an eftpos option.