Tap & Pay FAQs

Tap & Pay has three payment security settings that you can select for the active card:

• Pay Fast: There's no need to open an app to pay. Simply unlock and hold the back of your mobile banking device to the terminal to pay.
  
  
• Open App & Pay: For more control, first open the Mobile Banking app and then hold the back of your phone to the contactless terminal.
  
  
• Open App, Login & Pay: Or if you prefer, open the Mobile Banking app and login before holding the back your phone to the contactless terminal.

Please check the merchant's contactless terminal for confirmation that your payment was successful. The merchant should also provide you with a paper receipt.

Tap & Pay payments may not be successful for several reasons. Please contact Bank of Melbourne on 1300 764 379 (within Australia) or +61 3 8536  7870 from overseas.

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).

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

You can switch-off Tap & Pay payments in your phone’s Near Field Communication (NFC) settings at any time. To disable or remove a card(s) from Tap & Pay please contact St.George on 1300 764 379 (within Australia) or +61 3 8536  7870 from overseas.

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).

If you lose your phone or suspect it has been lost or stolen, contact St.George Card Services on 1300 555 203 (within Australia) or +61 3 8536  7870 from overseas to arrange for the card(s) on your phone to be cancelled/blocked.

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)

As Near Field Communication (NFC) does not require data/network connectivity, you don't need data/network connectivity to make Tap & Pay payments.

However, if your Tap & Pay payment security setting is 'Open app, Login & Pay' you will need data/network connectivity to login to the Mobile Banking app. Normal data charges will apply.

No, your phone must be turned on to complete Tap & Pay payments.

If you have questions related to your Samsung phone, please contact Samsung Support or visit a Samsung Store.

Any changes made to your plastic card(s) will also apply to the card(s) set up in Tap & Pay. As an example, if you report your plastic card lost or stolen, your Tap & Pay card(s) 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 other mobile wallet(s) on your phone you will need to choose a default wallet.

When setting up Tap & Pay in the your Mobile Banking app you will be asked to choose Tap & Pay as the default wallet in your phone’s Near Field Communication (NFC) settings.

This means your Tap & Pay 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.