Quick. Easy. Secure.

Pay on the go in store, without cash or cards. Use your phone to tap for purchases under $100.

Over $100? Tap, you may need to enter your PIN depending on the terminal.

An embedded near-field communication (NFC) chip transmits your card's info wirelessly, so you can pay from your eligible CommBank debit or credit card1 in the CommBank app with your Android phone. 

Start using Tap & Pay

  1. Download the CommBank app
  2. Follow the steps mentioned in the section below.
  3. If you don't already bank with us, open an everyday bank account with a Debit Mastercard or apply for a CommBank credit card

How to set up your Android phone (NFC)

screen: CommBank app home screen with logon button

1. Log on to the CommBank app

screen: CommBank app home screen Tap & Pay button - bottom right

2. Choose Tap & Pay on your home screen

screen: CommBank app Tap & Pay - Choose how to pay (Wake & tap is selected)

3. Tap the way you’d prefer to pay – Wake & tap, Unlock & tap or Open the app & tap

screen: CommBank app Tap & Pay - choosing linked card (Debit Mastercard is selected)

4. Choose your preferred card then you’re ready to tap to pay with your phone

Unlink a card from Tap & Pay in the CommBank app

  1. Choose Tap & Pay, tap Settings
  2. Unlink card
  3. Tap the card you want to unlink
  4. Unlink to turn off Tap & Pay and payments will no longer be processed

More ways to pay

Digital wallets and smartwatches

Wherever you are and whatever you’re doing, you can use your phone or wearable to make payments. 

Not only can you use the CommBank app to tap and pay, you can also choose from our range of digital wallets - like Apple Pay, Google Pay or Samsung Pay. Plus make payments using your wearable.

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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.

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Things you should know

Full terms and conditions available on the CommBank app. The CommBank app is free to download however your mobile network provider charges you for accessing data on your phone. The CommBank app is available on Android operating systems 4.4+ and iOS operating system 9.0+. NetBank access with NetCode SMS is required.

Tap & Pay allows you to use your compatible Android mobile phone with the CommBank app to make contactless purchases. Tap & Pay is available for compatible NFC enabled phones running Android 4.4 or above.

You can add your CommBank Debit Mastercard, personal and business credit cards (except for additional cardholders on a Visa credit card), Visa Business Debit card and Mastercard Business Debit Card. Some CommBank cards are ineligible including Keycard, Travel Money Card and Corporate Card.

The advice on this website has been prepared without considering your objectives, financial situation or needs. Because of that, you should, before acting on the advice, consider its appropriateness to your circumstances. Full terms and conditions for Electronic Banking are available here or from any branch of the Commonwealth Bank. Please view our Financial Services Guide.

BPAY is a registered trademark of BPAY Pty Limited ABN 69 079 137 518. Apple, the Apple logo & iPhone are trademarks of Apple Inc, registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play and Android are trademarks of Google Inc. Windows is a registered trademark of Microsoft Corporation in the United States and other countries. Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian credit licence 234945.