Apple Pay with ANZ

Apple Pay makes paying for your everyday purchases quick, secure and convenient. All you need is a compatible Apple device and an ANZ Visa Debit or credit card. Easy.

Key features


  • Payment authorisation – Payments are securely authorised using Face ID, Touch ID or your device passcode.
  • Unique identification – When you make a purchase, Apple Pay uses a device-specific number and a unique transaction code.
  • Your information isn’t shared – When you use Apple Pay, your card number is never shared with the merchant or saved on your device.
  • Fraud monitoring – We have fraud monitoring systems which can detect fraudulent activity using Apple Pay, worldwide 24/7. Remember, don’t share your passcode or let anyone else, including family members, have their biometrics (fingerprint or Face ID) registered to your device while your card is registered with Apple Pay.

What you need

A compatible device

You need a compatible Apple device to use Apple Pay. You’ll also need the latest version of iOS or watchOS.

Plus an ANZ Visa Debit card or ANZ Visa credit card

You need to load an ANZ Visa Debit, ANZ Business Visa Debit or ANZ Visa credit card into Apple Pay to enable purchases.

How to set up Apple Pay

  1. Log in to goMoney on your iPhone. Select Payments at the bottom of the screen. 
  2. Select Apple Pay
  3. Choose the card or cards you want to add to your Apple Wallet. 
  4. Select Next, then read and agree to the ANZ with Apple Pay Terms and Conditions
  1. Open Apple Wallet on your iPhone. Select the + (plus sign) in the top right corner.
  2. Select ANZ goMoney under From Apps on Your iPhone.
  3. Enter your goMoney PIN.
  4. Choose the card or cards you want to add and select Continue.
  5. Check the card details, and select Next.
You’ll need to add your cards to Apple Watch even if you’ve already set up Apple Pay on your iPhone or iPad.

  1. Make sure your iPhone is paired with your Apple Watch. Compatible iPhones for Apple Watch include iPhone 5s and above. 
  2. Open the Apple Watch app on your iPhone.
  3. Select Wallet & Apple Pay,  then Add Credit or Debit Card, then select Next.
  4. If your card is already on your iPhone, select Add next to the card. To add a new card, select Add Credit or Debit Card and follow the steps to add a new card.
  5. Select Next, then read and agree to the ANZ with Apple Pay Terms and Conditions
  6. For security purposes we may send you a verification code via SMS or ask you to call us.

Making payments

  1. Double-click the side button.
  2. Glance at the screen to authorise the payment.
  3. Hold the top of the phone near the contactless terminal.
  4. When you see 'Done' and a checkmark on the display your transaction is complete.
  1. Hold your iPhone near the contactless terminal with your finger rested on the home button to authorise the payment.
  2. When you see 'Done' and a checkmark on the display your transaction is complete.
  1. Double-click the side button.
  2. Hold the face of the watch near the contactless terminal. 
  3. A brief vibration and beep will confirm your transaction is successful.

Scams and Fraud Guide

We’re committed to keeping you and your banking safe, and you have a role to play too. Working together, we can keep you even safer. However you choose to bank, find out how to keep safe.

Accessible banking

We’re working hard to make our banking products and services accessible and available to all New Zealanders, regardless of ability.

Help and support

Important information

Eligibility criteria, terms, conditions and fees (including non-standard fees) apply. Fees are subject to change. Please use the following links for full details of our Terms and Conditions, Fees and Charges (PDF 166KB), ANZ EFTPOS card and ANZ Visa Debit card Conditions of Use (PDF 126KB), Electronic Banking Conditions (PDF 138KB) and ANZ Credit Card Conditions of Use (PDF 323KB).

Apple, the Apple logo, Touch ID, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay is a trademark of Apple Inc.

Apple Pay terms and conditions apply.

Apple Pay is available for ANZ Visa Debit cards and personal ANZ Visa credit cards. See a list of compatible Apple Pay devices.

You must be 13 years or over to apply for an ANZ Visa Debit card.

All applications for credit are subject to ANZ's credit approval criteria. Terms and conditions apply and are available on application. Fees, charges and eligibility criteria apply.