ING and Macquarie Now Support Apple Pay in Australia

Both ING Direct and Macquarie have implemented support for Apple Pay in Australia, according to Apple's updated Apple Pay website in the country. Starting today, both ING Direct and Macquarie customers can use Apple Pay for purchases in participating stores and locations with an eligible device.

Apple Pay support at the two banks comes more than a year after Apple Pay first became available in the country through a partnership with American Express.

The service is available in retail stores on iPhone SE, 6, 6s, 6 Plus, 6s Plus, 7, 7 Plus, and older devices using the Apple Watch. In-app and web purchases can also be made using the aforementioned devices, a supported iPad, or one of Apple's new MacBook Pros.


While ANZ and many smaller banks support Apple Pay in Australia, three of the country's major banks, including Commonwealth Bank, National Australia Bank, and Westpac, are currently embroiled in an ongoing dispute with Apple that has seen the banks refusing to accept Apple Pay.

The banks have asked the Australian Competition and Consumer Commission (ACCC) to give them permission to negotiate with Apple to gain access to the NFC chip in the iPhone, allowing the iPhone to be used with the banks' own NFC-based payment solutions.

Apple does not allow third-party services to access the NFC chips built into its most recent devices for security reasons and has argued that the banks' challenge is harmful to consumers and would stifle innovation in mobile payments.

The ACCC sided with Apple in an initial ruling, but both sides are continuing to submit arguments and the banks recently re-submitted their application asking for permission to work together to make a deal with Apple.

Apple Pay is available in 13 countries, including the United States, UK, China, Australia, Canada, Switzerland, France, Hong Kong, Russia, Singapore, Japan, New Zealand, and Spain.

Related Roundup: Apple Pay


Top Rated Comments

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19 months ago
Used it this morning on my Apple Watch - worked seamlessly.

Have been really impressed with ING and cannot recommend them highly enough others - No ATM fees anywhere in Australia, high-interest savings accounts and a proper online banking experience (Unlike NAB).

Time to close my NAB & CBA accounts.
Rating: 6 Votes
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19 months ago
used it this morning (ING) for my coffee purchase (NSW, Australia)... worked great.
Rating: 6 Votes
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19 months ago
Wish the banks would just use Apple Pay :( so annoying considering just changing to ANZ
Rating: 5 Votes
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19 months ago

You forgot that you must debit $1000 a month to get this.

It's not hard if you've got a job
Rating: 4 Votes
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19 months ago
I got an email an hour ago from ING Direct - live for Apple Pay. Updated the app and added my card successfully. Previous cards have used SMS to verify the card, this one had the option of using the app or calling them.

Looking forward to using it!
Rating: 3 Votes
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19 months ago
In most cases, when you're issued a new card because your previous card expired (or was replaced), what's supposed to happen is that behind the scenes the bank and Apple's system automatically associate the new details with your existing Device Account Number, so nothing changes. (there were a few stories a while ago about how this works)

However, some people in the US mentioned that their bank didn't support this and they had to delete the card and add it back, resulting in a different Device Account Number. (I don't know what the Aus banks support because I haven't yet had my ANZ or Amex cards expire.)

Regardless, even if the Device Account Number changes, the merchant should be able to look up the transaction via your receipt and their system can still refund it to the old Device Account Number, which works just the same as a refund to an expired/cancelled credit card number works. (internally the bank associates the old number with the same account so that refunds can be processed and appear on the new card; this is something that you can run into every so often when you run an online business and need to do a refund with no card present - you issue the refund through the payment gateway and it uses the old number, then the card owner's bank automatically sorts it out)
Rating: 1 Votes
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19 months ago

Oh, Target won't support Apple Pay anytime soon? Just mention.


Just to clarify for those who might not know what the situation is, Target in Australia supports Apple Pay. (as essentially every retailer in Aus has for years and years, due to widespread roll out of NFC support a long time ago when the banks switched to NFC credit cards)
Rating: 1 Votes
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19 months ago

Wish the banks would just use Apple Pay :( so annoying considering just changing to ANZ


I have both ANZ and ING. You are better off going ING I think, I don't even know why I keep ANZ, its a horrible bank with horrendous fees.
Rating: 1 Votes
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19 months ago
ING is really great. They also has very high interest rate for savings account, and their iOS and watch app are very nice.
Rating: 1 Votes
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