FAQs
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Apple Pay (44)
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Which Westpac cards are eligible to be added to Apple Pay?
The following cards are eligible for Apple Pay.
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What is Apple Pay, where can I find more information on Apple Pay?
Apple Pay lets you use your compatible...
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How secure is an Apple Pay transaction?
Apple uses security features built-in to the...
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How will my personal information be shared with Apple?
As per Westpac Terms and Conditions, your personal information will be...
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Which devices can I use Apple Pay with?
Apple Pay is available on iPhone, iPad...
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How do I add my card to Apple Pay?
To add your card to Apple Pay, you’ll need to have enabled...
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I’ve added my Westpac Mastercard debit card but can’t see CHQ/SAV. How do I access the CHQ/SAV options?
To access the eftpos CHQ / SAV options you will need to remove your card...
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Why am I asked to complete verification when I add my card to Apple Pay?
When you add a card to Apple Pay, you may be required to verify...
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What is a Device Account Number and how is it different to my physical card number?
When adding cards to Apple Pay a Device Account Number is created in place...
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Why am I seeing a message to contact my bank?
To set up Apple Pay you need to have registered for our SMS Protect Code service using a valid mobile phone number.
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How do I set my default card in Apple Pay?
The first card added to Apple Wallet is the default card. If you add more than one card...
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Can my additional card holder add their card to Apple Pay?
Yes, additional card holders can add their card to Apple Pay.
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How do I make a payment with Apple Pay?
You can pay with Apple Pay anywhere contactless payments are accepted, with your iPhone or...
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Can I use Apple Pay to tap on / off on Opal in NSW?
Yes, you can use your Westpac Mastercard in your Apple Pay wallet to tap on and off at Opal readers across the Opal Network in NSW.
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Can I add multiple cards to Apple Pay on my device? / Can I add my card on multiple devices?
Yes, you can add multiple eligible Westpac cards to Apple Pay on compatible devices and choose a default...
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Where can I pay with Apple Pay?
You can pay with Apple Pay with your eligible Westpac Mastercard or Handycard anywhere contactless payments are...
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Why doesn’t the card number on the merchant’s receipt match my physical card number?
The card details shown on the receipt provided by a merchant will contain...
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Do I still get reward points when I use Apple Pay?
Yes, any reward points applicable to your physical card...
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Do I need to use my card PIN with Apple Pay?
In some cases, you may be prompted to enter your physical card PIN...
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Are the Apple Pay transaction limits and PIN the same as the physical card?
Yes, the transaction limits and daily withdrawal limits that apply to...
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Can I use Apple Pay to get cash out at a merchant / retailer?
Yes, some merchants/retailers have enabled this functionality and you will be able to get cash out using your Debit...
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Can business cards be added to Apple Pay?
Westpac business cards are currently not eligible for Apple Pay, however...
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Using Apple Pay with a Handycard
When you add your Westpac Handycard to Apple Pay, all transactions are processed via the eftpos network.
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Using Apple Pay with your Westpac Mastercard Debit card
When you add your Westpac Mastercard Debit card to Apple Pay....
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How do I change my payment network?
To change the default payment network to eftpos on your iPhone, open the Wallet app, tap on your Westpac Mastercard debit card....
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What is the difference between selecting CHQ or SAV rather than the Mastercard payment option for my Mastercard Debit card?
If you use a Westpac Mastercard Debit card on the Mastercard network the transaction is processed in the same manner as other payments on the Mastercard...
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I can see my card in Apple Wallet but my transaction is declining, why?
Some possible reasons for why the transaction is declining even though the digital card still appears in the Apple wallet include...
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My physical card has expired, I’ve received a reissued or replacement card, do I need to re-enrol my card in my Apple Wallet?
If the card number remains the same as your previous card you do not need to update the card in your Apple ...
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Are there any additional fees and charges for adding my card to Apple Pay?
No, there are no additional fees...
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Can I use Apple Pay as a backup if lose my physical card?
No, if your physical card is placed on hold, reported lost or stolen or cancelled...
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My device has been lost or stolen. How can I keep my card safe in Apple Pay?
If your device has been lost or stolen, you can prevent unauthorised payments being made with your card on Apple Pay...
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Can I use Apple Pay while I’m overseas in the same way I do in Australia?
Apple Pay with Westpac Mastercard credit and Debit cards will work on the Mastercard network in all countries where contactless...
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I want to sell my device and get a new one, how do I make sure no-one can use my cards?
For an iPhone or iPad: You need to remove your personal information, including any cards you have added to your Apple...
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Can I add my loyalty or gift cards to my Apple Wallet?
Yes, you can add eligible loyalty and gift...
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What T&Cs Apply to Apple Pay?
The Westpac Apple Pay Terms and Conditions are available at...
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Can I see my transactions in Apple Wallet?
Yes, when you tap on a Westpac Mastercard in Wallet, you will see...
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How do I dispute a transaction made using Apple Pay?
Your Westpac account statement does not differentiate transactions made with your physical card or...
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What is a Westpac Handycard?
A Westpac Handycard is an eftpos Debit card linked to selected Westpac transaction accounts. Handycards are available to customers aged 12 years and...
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How do I get a Westpac Handycard?
A Westpac Handycard is available to customers aged 12 years...
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My Westpac Handycard does not have a CVC, what can I do?
A CVC is required to add a card to Apple Pay. This is usually a three-digit...
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How do I remove a card from Apple Pay?
You can remove a card from Apple Pay at any time, the process is slightly different for each
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Is there a minimum age to use Apple Pay?
Yes. Apple Pay isn't available for customers under 13 years of age. When you add your card to...
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What is the difference between adding my eligible card from the Westpac App and adding it via the Apple Wallet app?
When you add your eligible card to Apple Pay directly from our App...
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How do I add my eligible card to Apple Pay from the Westpac App?
To add your card to Apple Pay, you’ll need to have enabled either Face ID, Touch ID or a passcode on your device...