Check if your bank offers Apple Pay and learn how to use the digital wallet to make contactless purchases. Apple Pay is a digital wallet that allows you to make contactless purchases in store or online using just your iPhone or Apple device, without your physical debit card. Debit card purchase apple itunes store sydney aus how Apple Pay works, how to set it up and how it compares to other digital wallet solutions in this guide, plus see a comprehensive list of the Australian banks that currently offer Apple Pay. Enjoy no minimum ongoing balance or transaction requirements and the flexibility to hold up to 10 currencies. Apple Pay and Google Pay available. Apple Pay is a digital wallet that securely stores your debit or credit card information within the app. Apple Pay replaces your physical debit card, meaning you can go out with just your phone and still make purchases. You can use the app to make contactless payments in store and online using just your iPhone or Apple device, such as an Apple Watch. In simple terms, Apple Pay is a digital version of your existing wallet. This process all happens within seconds of tapping your smartphone or Apple device on the terminal. Where to use Apple Pay You can use Apple Pay in-store almost anywhere, from cafes and restaurants to retail shops, grocery chains and service stations. Apple Pay works on any terminal that already accepts contactless, tap-and-go payments. You can also use Apple Pay to pay for things online and within a range of apps. Which iPhones offer Apple Pay. Navigate to Wallet within your iPhone and click the blue plus sign to add a new card. Add in your card security details, and your bank will verify your details. Once this has been verified, your card will appear within the Wallet and you can start using Apple Pay. How do I use Apple Pay. Just like the simple set-up process, this is less complicated than it sounds. The payment will be made with your default card, unless you select to use another. This may sound fiddly and complicated, but it actually only takes a couple of seconds in total. Apple Pay uses a number specific to your device in combination with a unique transaction code when you make a purchase. You can easily misplace your debit card or leave it visible for people to copy the card number. How do I use Apple Pay on my Apple Watch. With Apple Watch, you can make payments with the flick of your wrist. The benefit of an Apple Watch is that you can travel even lighter, meaning you can still make purchases without your physical wallet or even your phone. You can do this via the Apple Watch app on your iPhone. Once your card is successfully added, you can use your Apple Watch to make purchases. While Apple Pay is the digital wallet offered by tech giant Apple, Google Pay is the digital wallet solution offered by Google and Samsung Pay you guessed it is the digital wallet developed by Samsung. These digital wallets work in a very similar way to Apple Pay. For more information on these digital wallets, check out our guide to Samsung Pay and our guide to Google Pay. You are about to post a question on finder. Please refer to our for more information. We can also provide you with general advice and factual information on about a range of other products, services and providers. We are also a Corporate Authorised Representative of Countrywide Tolstrup Financial Services Group Pty Ltd. We hope that the information and general advice we can provide will help you make a more informed decision. We are not owned by any Bank or Insurer and we are not a product issuer or a credit provider. 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