Tap & Pay using your smartphone

You can now use your phone to tap and pay with Android Pay™.

Android Pay is a handy and secure way to pay using your Android phone - so you can leave your wallet at home. It only takes a few minutes to set up, all you'll need is your Android phone and an eligible CommBank card to get started.

You'll then be able to tap and pay anywhere contactless payments are available, like at a cafe, grocery store or petrol station. You can also add in loyalty cards and track your spending.

Using Android Pay™ with CommBank

  1. Download the Android Pay™ app from the Google Play™ Store
  2. Tap ‘+’ to add all your eligible CommBank cards
  3. Confirm your details via the CommBank app or SMS
  4. You’re all set to make contactless payments using your Android smartphone – just make sure your phone is awake when you hold it up to pay
Tap and pay with Android Pay

New to CommBank?

You can open an everyday account in under five minutes – it comes with a Debit Mastercard you can add to Android Pay™. If it’s a credit card you need then choose from our range of low fee, low rate and Awards cards.

Open a Smart Access bank account with a Debit Mastercard

Explore our range of CommBank credit cards


Your card number is encrypted

Your Virtual Account Number is an alternative to your card number. It’s a way of protecting your card details so they aren’t exposed to anyone other than you.

When you make a contactless payment, the Virtual Account Number (not your CommBank card info) is what whoever you pay sees.

100% Security Guarantee

We’ll cover any loss due to unauthorised transactions on your account, as long as you protect your cards, devices, client numbers, PINs, passwords and any other access methods, and immediately notify us of their loss, theft or misuse or any suspicious activity on your account.

Things you should know

Android Pay is currently available for Android™ running 4.4 (KitKat) or higher with a Near Field Communication (NFC) antenna and Host Card Emulation (HCE) support.

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 4.1+ and iOS operating system 8.0+. NetBank access with NetCode SMS is required. Full terms and conditions available on the CommBank app.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. Android, Android Pay, the Android Logo, Google Play and the Google Play logo are trademarks of Google Inc.

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. Please consider the terms and conditions for our Smart Access account available here or from any branch of the Commonwealth Bank. Please view our Financial Services Guide. Credit Card applications are subject to credit approval. Full conditions will be included in our loan offer. Fees and charges apply. Commonwealth Bank of Australia ABN 48 123 123 124. Australian credit licence 234945.