Pay with your mobile phone

Explore the range of options to help you pay, your way

Your smartphone can replace your credit and debit cards, so there’s one less thing to worry about when paying when you’re out and about. It’s secure and easy to use your phone to make payments. 

Use the CommBank app to Tap & Pay, or choose from our range of digital wallets - like Apple Pay or Samsung Pay. Simply link your eligible CommBank debit or credit card to the app to get started.1

Make safe and secure purchases

Because your device can recognise it’s really you through your unique fingerprint and face, you can pay securely from your device without having to give your physical card to anyone or being asked to enter your PIN at a terminal.

Every time you use your device to pay with your CommBank debit or credit card, you’re also protected by our 100% Security Guarantee.2

How to set up CommBank Tap & Pay

Pay with your Android phone using Voice Assistant and Tap & Pay in the CommBank app. Follow these steps to set it up: 

Phone Settings screen showing 'Accessibility' item

Step 1

Enable Voice Assistant on your phone. 

Go to ‘Settings’, tap ‘Accessibility’, and then enable your phone’s Voice Assistant function. 

CommBank app icon on mobile screen

Step 2

Log on to the CommBank app.

Open the CommBank app on your home screen by double-tapping the app icon.

CommBank app home screen, showing the tap icon at the top right

Step 3

Choose ‘Tap & Pay’ on your home screen.

The ‘Tap & Pay’ button is on your home screen. Tap it and you’ll hear “Tap & Pay”. Double-tap it to open.

App screen, showing your eligible cards

Step 4

Choose your default card.

To add a bank card, double-tap the ‘plus’ button at the top of the screen. You’ll hear “Add card” and be prompted to enter your PIN to view your eligible bank cards. 

To choose your preferred payment method, double-tap on the bank card and then double-tap the ‘next’ button.

CommBank app 'Choose a tap style' screen

Step 5

Choose the way you’d prefer to pay.

To choose a Tap & Pay style, double-tap either ‘Wake and tap’, ‘Unlock and tap’ or ‘CommBank app and tap’. To better understand which contactless payment style is right for you, tap each section to hear each description.

To proceed, double-tap the ‘next’ button. A notification message will appear. You’ll hear “You will be notified when your card is activated”. Double-tap 'Ok, got it’.


CommBank app showing selected Tap & Pay card

Step 6

Go shopping with Tap & Pay.

Once your card is activated, you’re ready to make a contactless payment. 


How to make a contactless payment using Tap & Pay

  1. Ready your device based on your selected payment method (i.e. wake the device, unlock the device, or open the CommBank app on your device)
  2. Hold or tap your device near the payment terminal
  3. Wait for the payment to be confirmed by the terminal (usually within a few seconds)

If you have a trusted carer, friend or family member who can help you, they can also watch our short video on how to set up Tap & Pay on your phone:

Things you should know

1 You can add your CommBank Debit Mastercard, CommBank World Debit Mastercard™, personal and business credit cards, and Visa Business Debit card. If you are an additional cardholder, you may add your eligible Commonwealth Bank credit card provided it is Mastercard branded. Visa credit cards issued to additional cardholders may be eligible, however, a transaction limit of $100 will apply.
Some CommBank cards are ineligible including Keycard, Travel Money Card, Mastercard Business Debit Card, Corporate Card.

2 Backed by our 100% security guarantee. Our 100% security guarantee protects you from unauthorised transactions on personal and business accounts when you protect how you access your accounts and tell us if something is wrong.