Consumers: Mobile pay

Your money, well spent

eftpos mobile payments put your money in the palm of your hand - so you can pay on the go at thousands of places around Australia.

Use your own money for day-to-day transactions
Stay up to date with real time balances
Feel confident your card details are never shared

Pay on the go with eftpos in your mobile wallet

If your debit card has an eftpos logo, you may be able to make eftpos your default way to pay. If it’s enabled (and you’re with a participating bank) it’s as simple as adding your debit card to your digital wallet, and choosing eftpos as your default payment method before you tap. The video guide shows you how to get set up and use eftpos.

Smart ways to pay


With Apple Pay®, it’s easy to make safe, secure payments or get cash out on the move using your iPhone or Apple Watch. By choosing eftpos you’ll get real-time balances with every transaction, helping you stay on top of your spending. eftpos is available on Apple Pay through a range of banks and financial institutions. You can find all the details here.


With this Samsung Pay™ smart wallet, you can make secure payments by simply swiping up-plus, keep track of your finances with real time balances by choosing eftpos.

Right now, you can use eftpos with Samsung Pay on Samsung phones, and it may soon be available via the Galaxy Watch. To see participating banks and financial institutions or find out more, check our FAQ.


Google Wallet™,  previously known as Google Pay,  gives you secure access to your own money in real time, and it can even help you avoid pesky surcharges. Here are the details of the banks and financial institutions Google Pay is available through, plus more info on how it works.

Important: The Google Pay app is now the Google Wallet app. If you already have the Google Pay app, you don’t have to download anything new. The next time you open the Google Pay app Google Pay, it may show as Google Wallet or you’ll be prompted to go to the Play Store and update the app. After the update, the app appears as Google Wallet.

Please see eftpos’ Privacy Policy and privacy collection statement for details about how eftpos handle any of your personal information related to you adding your eftpos card to your mobile device or eftpos transactions. Terms and conditions apply to the use of mobile pay. Contact your Issuer for more information.

More to love about eftpos + mobile pay

It’s super secure

Payments made in digital wallets are tokenised which means no one sees your details.

It’s good for Australia

eftpos transactions are processed on Australian infrastructure, and our revenue goes straight back into our local economy.

It helps you stay in control

By paying with eftpos, you can use your own money and get real time balances – making it easier to stay on top of your finances.


How do I start using Mobile Pay?
You’ll need a mobile device that’s mobile-pay enabled, and your bank will need to be signed up with the right Mobile Pay method for your device (for example, Apple Pay if you have an iPhone) and have eftpos enabled. The good news is that the vast majority of Aussie banks and financial institutions are now offering Apple Pay and Samsung Pay, with eftpos becoming more widely available all the time.
How secure is eftpos and Mobile Pay?
Very! That’s because it uses Australia’s first domestic Token Service Provider (TSP) for added payments security (one of the first schemes to do so). Simply speaking, TSP makes payments safer by replacing the card number with a unique digital identifier known as a payment token.

This means that when you use your phone to pay in stores, Mobile Pay doesn’t send your debit card number with your payment – so your card details stay safe.
What about my security if I lose my phone?
You’ll be happy to hear you can disable mobile payments, without needing to cancel your physical cards.
For more info on what to do if your Apple device is lost or stolen, click here.
For missing Samsung devices, click here
For missing Google devices, click here.
How much can I spend using Mobile Pay?
You can spend the same amount as you can using your debit card. This limit will be set by whoever issued your card, and they tend to vary. To find out more, get in touch with your bank or financial institution.
How to get set up Mobile Pay on your device?
Find out more about using eftpos Mobile Pay with Samsung, as well as a full list of Samsung Pay providers here.
Find out more about using eftpos Mobile Pay with Google, as well as a full list of Google Pay providers here.
Find out more about using eftpos Mobile Pay with Apple, as well as a full list of Apple Pay® providers here.

AP+ acknowledges the Gadigal People of the Eora nation as the Traditional Custodians of the lands on which we are based and pays our respects to Elders past, present and emerging. We recognise all Aboriginal and Torres Strait islander peoples ongoing connection to the lands and waters of Australia and thank them for protecting and for their pivotal role in the creation of this beautiful place. Always was and always will be Aboriginal Land.

View our Reconciliation Action Plan

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