Tap & Pay FAQs

Login to your Mobile Banking app and tap on the 'Tap & Pay' icon located at the bottom of your screen.  Follow the screen prompts to set up and download your eligible cards.

The 'Security setting' feature within Tap & Pay offers three options for making a payment with the selected 'Active Card':

Pay Fast

• There's no need to open an app to pay. Simply hold the back of your mobile banking device to the terminal to pay.
  

Open App & Pay

• Open the Mobile Banking app and hold the back of your mobile banking device to the terminal to pay.
  

Open App, Login & Pay

• Open the Mobile Banking app, login, open Tap & Pay (by clicking on the Tap & Pay icon on bottom of screen). When the Active card appears on the screen, hold the back of your mobile banking device to the terminal to pay.

Please check the merchant's terminal for confirmation that your mobile banking device payment was successful. The merchant will also provide you with a receipt.

There might be several reasons Tap & Pay hasn't worked. Please contact St.George  on 1300 555 203 (within Australia) or +612 9155 7800 from overseas  Mon - Fri 8am - 8pm; Sat 9am - 5pm (AEST).

There is no maximum transaction amount for purchases made using your mobile banking device; however your normal daily payment limits apply. You can use your mobile banking device for purchases just as you would use your Visa payWave® or Mastercard® PayPass™ plastic cards. For purchases of $100 or more or above the limit set by the merchant at the terminal, you will be required to enter your card's PIN.

Yes, you can use your mobile banking device to process a refund just as you would with your physical credit or debit card. Simply hold the back of your mobile banking device near the merchant's contactless terminal and enter your PIN for the refund to be processed.

If you wish to have a card on your mobile banking device disabled/removed, please contact St.George on 1300 555 203 (within Australia) or +612 9155 7800 from overseas Mon - Fri 8am - 8pm; Sat 9am - 5pm (AEST).

Security is a priority for St.George. There are a number of security measures to ensure paying with your mobile banking device is safe and secure.

All payments are backed by St.George's Fraud Money Back Guarantee which reimburses cardholders for unauthorised transactions where the cardholder has not contributed to the loss and has notified St.George promptly of the transactions.

Our fraud monitoring team monitor purchase transactions 24/7 and will contact you should they identify anything suspicious on your account.

You can easily disable Tap & Pay in your mobile banking devices NFC settings at any time. To permanently delete St.George Tap & Pay please contact St.George on 1300 555 203 (within Australia) or +612 9155 7800 from overseas Mon - Fri 8am - 8pm; Sat 9am - 5pm (AEST).

No. You will be unable to make Tap & Pay payments if your mobile banking device has NFC functionality turned off. Turning off NFC functionality will not affect your ability to access any other features of the St.George mobile banking app.

If you lose your mobile banking device or suspect it has been lost or stolen, contact St.George Card Services on 1300 555 203 (within Australia) or +612 9155 7800 from overseas Mon - Fri 8am - 8pm; Sat 9am - 5pm (AEST) to arrange for the card(s) on your mobile banking device to be cancelled/blocked.

If you need to dispute a transaction you must contact the Bank through standard St.George procedures. For more information visit the Dispute a credit card transaction page.

If you delete the St.George Mobile Banking App, the cards downloaded to your mobile banking device will remain intact. To request the closure of these cards on your mobile banking device, contact St.George Card Services on 1300 555 203 (within Australia) or +612 9155 7800 from overseas Mon - Fri 8am - 8pm; Sat 9am - 5pm (AEST)

Occasionally, you may find that you can't Tap & Pay at certain types of merchant terminals. This is due to the type of terminal you are using, specifically a terminal that authorises payments offline. Offline contactless terminals may be found in vending machines, parking meters and on cruise ships. Offline terminals do not connect with the Mastercard, Visa and St.George networks.  Instead, they capture your account information and process the payment at a later time.  This means that offline terminals can't process St.George Tap & Pay payments. If you are unsuccessful in making a Tap & Pay transaction with your mobile banking device, make the payment with your physical plastic card instead.

As NFC does not require network connectivity to operate, you don't need network reception to make payments.  However, if the 'Security setting' is 'Open App, Login, & Pay,' you will need network connectivity to validate your Customer ID and password.

No, your mobile banking device must be turned on in order to complete purchases via Tap & Pay.

Please contact Samsung Support or visit a Samsung Experience Store near you.

Any changes made to the physical card will also apply to the mobile banking device card associated with Tap & Pay. As an example, if you report your physical card as being lost or stolen, your mobile banking device card will also be blocked.

No. NFC technology doesn't require network connectivity to operate, so you don't need to have internet data allowance on your mobile banking device to make a payment.

If you have 2 banking apps with Tap & Pay or similar functionality, you will need to choose one of them as your default wallet.

When setting up the mobile banking device payment feature of your Mobile Banking App, you will be asked to choose St.George as the default wallet in your NFC settings. This means your St.George cards will be used if you make payments.

To change your default wallet in future, update your NFC settings and select your preferred default wallet provider.