Apple Pay, Google Pay and Samsung Pay; what does your bank offer?

Apple Pay, Google Pay and Samsung Pay; what does your bank offer?

Forget cash; mobile payment platforms are the king, with more banks than ever before offering a variety of digital wallet options.

If you’re a fan of this payment method, you’ll want to find out whether your provider offers Apple pay, Google pay or Samsung pay.  

RateCity’s comprehensive list of Australian providers offering Apple pay, Google pay or Samsung pay 

Bank Apple Pay Google Pay Samsung Pay
86 400 Yes Yes Yes
AMP Bank No Yes Yes
ANZ Yes Yes Yes
Arab Bank Australia No No No
Australian Military Bank No No No
Australian Unity Yes Yes Yes
Auswide Bank No No No
AWA Alliance Bank Yes Yes Yes
Bank Australia Yes Yes Yes
Bank First Yes Yes No
Bank of Heritage Isle Yes Yes Yes
Bank of Melbourne Yes Yes Yes
Bank of Queensland No No No
Bank of Sydney Yes Yes Yes
Bank of us No No No
BankSA Yes Yes Yes
Bankstown City Unity Bank Yes Yes Yes
BankVic Yes Yes No
Bankwest Yes Yes No
BCU Yes No Yes
BDCU Alliance Bank Yes Yes Yes
Bendigo Bank Yes Yes Yes
Beyond Bank Australia Yes Yes Yes
Border Bank Yes Yes Yes
Circle Alliance Bank Yes Yes Yes
Citi Yes Yes Yes
Coastline Credit Union Yes Yes No
Commonwealth Bank of Australia Yes Yes Yes
Community First Credit Union Yes Yes Yes
Credit Union SA Yes Yes Yes
CUA Yes Yes Yes
Delphi Bank No No No
Easy Street Financial Services Yes Yes Yes
Endeavour Mutual Bank Yes Yes Yes
Fire Service Credit Union No No No
Firefighters Mutual Yes Yes Yes
First Option Bank Ltd Yes Yes Yes
G&C Mutual Bank No No No
Gateway Bank No No No
Geelong Bank Yes Yes Yes
Goldfields Money Yes Yes No
Goulburn Murray Credit Union Yes Yes Yes
Greater Bank No No No
Heritage Bank No Yes Yes
Horizon Bank Yes Yes Yes
HSBC Yes Yes No
Hume Bank Yes Yes No
Hunter United No No No
Illawarra Credit Union Yes Yes Yes
IMB Bank Yes Yes Yes
ING Yes Yes No
Macquarie Bank Yes Yes No
Macquarie Credit Union No No No
ME Bank No No No
MOVE Bank Yes No No
MyState Bank Yes Yes Yes
NAB Yes Yes Yes
Newcastle Permanent No No No
Northern Inland CU Yes Yes No
Nova Alliance Bank Yes Yes Yes
Orange Credit Union Yes Yes Yes
P&N Bank Yes Yes Yes
People's Choice Credit Union Yes Yes Yes
Police Bank Yes Yes Yes
Police Credit Union Yes Yes Yes
QBANK Yes Yes No
Qudos Bank Yes Yes No
Queensland Country Credit Union Yes Yes No
RACQ Bank Yes Yes Yes
RAMS No No No
Regional Australia Bank No No No
Rural Bank Limited No No No
SERVICE ONE Alliance Bank Yes Yes Yes
Southern Cross Credit Union No No No
St.George Bank Yes Yes Yes
Summerland Credit Union No No No
Suncorp Bank Yes Yes Yes
Sydney Mutual Bank Yes Yes Yes
Teachers Mutual Bank Yes Yes Yes
The Capricornian No No No
The Mac Yes No No
The Mutual No No No
Transport Mutual Credit Union No No No
UBank Yes Yes Yes
UniBank Yes Yes Yes
Up Yes Yes Yes
WAW Credit Union Yes Yes Yes
Westpac Jun-20 Yes Yes
Woolworths Employees CU Yes Yes Yes
Xinja Yes Yes No

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Learn more about bank accounts

Can you get a payday loan without a bank account?

Yes. Some payday lenders are willing to transfer loans to prepaid debit cards instead of bank accounts.

Can you open a bank account at 16?

Yes, you can open a bank account at 16, or even younger. If you’re 13 or under, you will probably need a parent to accompany you to a branch.

Can I find my bank account number online?

Yes, you can find your bank account number by logging into your online banking and clicking on the relevant account.

Can I start a bank account online?

Yes, most lenders that operate in Australia will let you set up a bank account online. The process is usually simple and takes five to 10 minutes. You will probably need to provide a passport or birth certificate, as well as a driver’s licence, Medicare card or another form of secondary identification. Requirements differ from lender to lender, so some institutions might ask for more or different forms of ID.

Are bank accounts frozen when someone dies?

Yes, Australian bank accounts are frozen when someone dies. If you want to close the account of somebody who has died, you might have to provide proof of death and a copy of the will. You might also have to prove your relationship to the deceased person.

If you have a joint bank account with somebody who has died, you will generally be entitled to all the money in the account. Again, you might have to provide proof of death if you want to change the bank account from a joint account to a one-person account.

Do I need to open a business bank account?

Just because you’re in business doesn’t necessarily mean you need a business bank account. You could be a sole trader not registered for GST, and use your personal bank account for business.

If you do want a business account, there are plenty of benefits attached to business transaction and savings accounts, as well as business term deposits.

There are business bank accounts designed for businesses with a high volume of transactions, and those for start-ups with a small amount of trade. You could also include an EFTPOS service with your account.

Some business bank accounts charge for the number of transactions per month, while others offer a pay-as-you-go fee structure, where you only pay fees for transactions you make.

It’s up to you whether your priority is mainly transactions, or earning the maximum amount of interest on your principal. There’s a business banking solution for you if you need one.

Can a debt collector garnish my bank account?

A debt collector can garnish your bank account, but only with a court order. This drastic action is usually taken only if you’ve ignored several notices asking you to pay the debt.

If this happens, there is nothing you can do to stop it other than immediately pay back your what you owe in full or make arrangements to pay it off in installments.

Once a garnishee order is issued, your bank will put a freeze on your account as it processes the order. This usually takes two to three days and you won’t be able to access any of your money during this time.

If you have Centrelink payments, they may be protected, depending on what the court order says.

Can you deposit money into somebody else's bank account?

One of the easiest banking tasks in the world is depositing money. You can even deposit money into someone else’s bank account if you wish.

The basic information you need to deposit money into a third-party bank account is:

  • Payee’s name
  • Bank, building society or credit union (though this isn’t necessary)
  • BSB (or bank code, which is the branch identifier)
  • Account number

Including the name of the financial institution isn’t necessary – particularly with online banking – because the BSB will identify this for you.

A handy tip is to record yourself (or add a personal message) in the transaction description or reference. This will show up on the recipients account, letting them know who’s paid them the money.

How can I find bank accounts in my name?

To find ‘live’ bank accounts in your name, you’ll have to ask individual lenders, which involves contacting them one by one and proving your identity each time. To find ‘unclaimed’ bank accounts (those that have been inactive for at least seven years), you can use this website.

How do you find a bank account number by name?

For privacy reasons, Australian banks won’t hand out account numbers or other details about their customers. However, if you provide a bank with a BSB and account number, they should be able to confirm if those numbers belong to one of their customers.

Can I close my bank account over the phone?

In most cases, you can close a personal or business bank account over the phone. In fact, this is the best way to ensure you’ve closed an account properly.

By speaking to a banking representative, you can capture and close out any pending transactions, or interest owing/payable on the account being closed.

In the instance where the account is a joint account, or you have multiple bank accounts you want to close, your bank may send you a form that you need to fill out and return.

Either way, you would be advised over the phone of the steps you need to take. Calling your bank ahead of closing an account is often a smart course of action.

Can I open a bank account in another country?

Despite having a bad rap for facilitating tax evasion, it is possible and legal to open a bank account in another country, also known as an ‘offshore account’.

Some people choose to open a bank account in another country to invest overseas, for higher interest-earning potential or to access foreign banking services.

The process for opening an offshore bank account differs depending on the financial institution and country in which you’re opening the account.

Typically, you will need to provide identification such as a passport, a local bank statement and a signed declaration proving the source of the money being used to open your account. Usually, deposits into offshore accounts can be made by international money transfer.

Can Centrelink access your bank account?

Yes, Centrelink can access your bank account, but only if you give them a reason to. Centrelink uses data-matching software with other federal government agencies to help it crack down on welfare cheats.

This is why it’s important to give true and matching information to all government agencies.

For example, if you report to Centrelink your annual income is $25,000, but at tax time you report your income as $50,000 with the ATO, it’s likely you’ll be ‘red flagged’.

At this point, Centrelink can legally request that your bank hand over your personal bank account details, to review your finances.

In most cases, Centrelink does not have the authority to take money out of your account. You will usually be given written notice to repay the debt.

However, Centrelink can also reduce your benefits until you’ve paid back what you owe. In extreme cases, Centrelink can garnish your wages and assets (including money in your bank account) until your debt is repaid.

How do you delete your bank account from PayPal?

Deleting your bank account from PayPal is a simple three-step process:

  • Go to your Wallet
  • Choose the account you’d like to delete
  • Click ‘Remove bank account’