Protect yourself when you pay in store

With CommBank Tap & Pay, you can avoid cash and PIN pads to minimise the spread of coronavirus.

If you unlock your phone and tap in-store with CommBank Tap & Pay, on most terminals you won’t have to touch a shared PIN pad – no matter how much you spend. 

Why Tap & Pay?

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.

You can now get cash out when you shop with your debit card by adding eftpos payment options.

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What you need

  1. An everyday bank account with a Debit Mastercard or CommBank credit card
  2. The latest version of the CommBank app on your Android device

How it works

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

Set up Tap & Pay

CommBank app home screen after logging in

1. Log on to the CommBank app

CommBank app home screen Tap & Pay button - top right

2. Choose Tap & Pay on your home 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 default card then you're ready to tap to pay with your phone

Payment options

Mastercard/VISA

Pay using your debit account through the Mastercard or VISA network in Australia and overseas. Payments will show up as pending in your account until fully processed.

eftpos SAV

Choose SAV to pay using your debit account through the eftpos network. Get cash out when you tap with no pending transactions. Only available in Australia.

eftpos CHQ

Choose CHQ to pay using your second linked debit account through the eftpos network. Get cash out when you tap with no pending transactions. Only available in Australia.

More ways to pay

If you've already added your debit card to Tap & Pay, simply remove and add it again to get access to the eftpos network.

For new debit cards, eftpos will automatically be applied.

Add payment options for existing users

  1. Choose Tap & Pay, then Settings
  2. Choose remove card
  3. Tap the card you want to remove
  4. Remove your card to turn off Tap & Pay. Payments will no longer be processed
  5. Add your debit card again to get access to the eftpos network

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, you can 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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FAQs

How do I add eftpos to Tap & Pay?

If you've added your CommBank debit card to Tap & Pay and don’t have the eftpos payment option, remove and re-add it to start using the eftpos network. You can then get cash out with no pending transactions when you pay by choosing eftpos.

If you're using Tap & Pay for the first time, or adding a new debit card, the eftpos network will automatically be added to your CommBank debit card.

Can I get cash out using Tap & Pay?

Yes, you can get cash out using Tap & Pay. Simply select the ‘SAV’ or ‘CHQ’ option if you have set up a second linked debit account, before using your CommBank debit card to make a payment with Tap & Pay. This will update your default payment option for next time you make a purchase.

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. Find out about the minimum operating system requirements on the CommBank app page. 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.