Contactless payments

All ANZ credit and debit cards offer contactless payment technology - so paying for your everyday purchases is quick, secure and convenient.

Pay for purchases using contactless - simply tap your card on the contactless terminal when instructed. You can pay using your ANZ Visa Debit or personal ANZ Visa Credit cards and using your:

  • compatible iPhone or Apple Watch with Apple Pay*
  • compatible Android phone with ANZ goMoney Wallet**

For purchases over NZ$80 you will need to enter your PIN.

  • Make contactless payments at thousands of locations worldwide

You can use your ANZ credit or debit card to make 
contactless payments at thousands of contactless terminals around the world - just look out for the Contactless symbol, 
and the MasterCard PayPass or Visa Paywave symbol.

mobile phone in a blue circle with contactless iconiconVisa payWave icon
  • Safe and secure

Contactless payments use the same secure, reliable payment network as chip card transactions made with your ANZ credit and debit cards.  Your information is kept safe using leading-edge security features and you’re protected against fraudulent transactions by ANZ’s Zero Liability Protection#.

Find out more about card security

Safety and security

You can make contactless payments with ANZ credit or debit cards with confidence:

  • Your information is encrypted before it’s sent from your card or phone to the contactless terminal, to ensure it can’t be obtained by an unauthorised card reader
  • You can’t ‘accidentally’ make a payment just by walking past a contactless terminal or have payment taken twice – your card or phone has to be held close to the terminal for longer than half a second, the retailer must enter the amount first, and each transaction has to be complete before another can be made
  • Your card or phone never leaves your hand, so you’re always in control
  • Larger purchases (over NZD80) still require a PIN
  • Our sophisticated fraud monitoring system monitors your accounts and if it identifies unusual activity, we’ll block your card and contact you to make sure it’s really you making the transaction

You’ll also be covered by MasterCard and Visa's Zero Liability# protection should fraudulent transactions occur, provided you haven’t contributed to the loss in any way and you notify us that your card has been lost or stolen within a reasonable time.

Frequently asked questions

What is contactless?
What are the benefits of contactless?
How do I know if a retailer accepts contactless?
How close does my card need to be to the reader?
Is there a limit on the value of goods I can purchase using contactless?
Are there any fees for using contactless?
Will I receive a receipt for my contactless transactions?
How do I know when a payment has been made?
Could I unknowingly make a purchase as I walk past the reader?
How do I know that my contactless transaction is secure?
Can I use my card at retailers that accept MasterCard or Visa but don't have MasterCard PayPass or Visa Paywave terminals?
Do I need to select credit, savings, or cheque when I pay using contactless?
Can I insert or swipe my card for transactions under $80?
Can I use Contactless for transactions overseas?
How will Contactless transactions display on my statement?

Help and support

important info iconImportant information

* Apple, the Apple logo, iPhone, Apple Watch and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Terms and Conditions apply for Apple Pay. See for more information.

**ANZ goMoney Wallet eligibility criteria and terms and conditions apply. ANZ goMoney Wallet is available for use on selected Android phones. See for more information.

# Conditions and exceptions apply. For further details, see Visa Zero Liability and the ANZ Credit Card Conditions of Use.