What are digital wallets?

Digital wallets are a fast, secure and easy way to make payments on the go, online or in store. They securely store a digital version of your NAB Visa card on your phone or device to make purchases, without the need to carry a physical card.

Think of your digital wallet as another contactless payment method.

Benefits of a digital wallet

Smart contactless technology

Digital wallets use NFC (near-field communication), your device’s wireless technology, including Bluetooth, WiFi and magnetic signals, to transfer payment information to the terminal – just like a physical debit or credit card would.

Digital wallets aren’t just for making payments in store, online or overseas. You can store a digital version of your essentials, such as:

  • healthcare cards

  • loyalty cards

  • boarding passes when you travel

  • tickets to concerts and events and more.

If you’ve added your NAB Visa Debit card to your digital wallet, you’ll be able to make contactless ATM cash withdrawals and balance enquiries at NAB ATMs displaying the contactless symbol.

Built with security in mind

  • Your card details (such as the card number, expiry date and CVV) are never revealed, even to the merchant.

  • When you make a purchase, the digital wallet passes a unique code to the merchant to process the payment, while your personal information remains secure.

  • For transactions over $100, you may need to enter your card PIN1 at the terminal for added security.

  • Digital wallets have age restrictions to prevent children adding a card into a smartphone or device. Children need to be over the age of 13 years old to use Apple Pay, and 16 years old for Google Pay.

  • It’s important to keep your device safe with passcodes, PINs, fingerprint or facial recognition, and never share this information with anyone.

Ways to use a digital wallet

Start using a new card immediately

There’s no need to wait for your new physical card to arrive in the mail. Just locate the new card in the Cards section of your NAB app, successfully set up your digital wallet (with Apple Pay or Google Pay) and start spending immediately.

Continue to use a blocked card

If you lose your physical card, you can temporarily block the card in the NAB app and continue to make payments using your digital wallet.

If your card is permanently lost or stolen, block and replace your card in the NAB app. We’ll issue you with a new card and your digital wallet will be automatically updated to the new card number, so you can use your replacement card immediately.

Pay in store, online and overseas

When in store, simply access your device, and tap to pay everywhere your digital wallet is accepted or where you see the contactless symbol at checkout.

For purchases online, look out for the digital wallet options available for payment at the checkout, such as Apple Pay or Google Pay.

Use your digital wallet overseas at accepted contactless merchant terminals, even with your mobile roaming data off.

Access event tickets and more

No need to print your tickets or scan through your emails to find them. You can store a digital version of your loyalty cards, boarding passes when you travel, tickets to concerts and events just to name a few.

Look out for the option to ‘Add your ticket to your digital wallet’ options available after purchase.

How to add your card to a digital wallet

It’s quick and easy to add your debit or credit card to your digital wallet. Follow our online banking guide.

Digital wallets for smartphones

The digital wallet available will depend on the type of compatible device you have. If you have an iOS device, you can set up Apple Pay in the NAB app. If you have an Android device, you can set up Google Pay in the NAB app or Samsung Pay on your phone.

Digital wallets for wearables

You can make a payment with your NAB Visa card on the go, right from your wrist. You can work-out without your phone or wallet and still use your NAB Visa card anywhere that accepts contactless payments.

More digital payment options

There are more ways to make fast and secure payments to others and pay bills. Learn more about our digital payment options.

Help and support

Need help? Use our simple instruction guides to bank online or message us online if you need further support.

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Important information

Use of the information contained on this page is governed by Australian law and is subject to the disclaimers which can be read on the website disclaimer page. View the NAB privacy policy.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S and other countries.

Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co., Ltd

Google Pay, Android, the Google Pay Logo, Google Play and the Google Play logo are trademarks of Google LLC.

Fitbit is a registered trademark of Fitbit, Inc. and/or its affiliates in the United States and other countries.

Garmin is a trademark of Garmin Ltd. or its subsidiaries, registered in the USA and other countries.