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Apple Pay

Payments at Challenger just became easier, simpler and more private.



Apple Pay is easy to use with the devices you use everyday – your iPhone, Apple Watch, iPad, and your Mac.


With Apple Pay, there’s no delay, or looking for cards and wallets. There’s no touch-and-go, when you tap and pay.


Paying with Apple Pay is secure and private, as your card details are not stored on your device, or handed over at the point of sale.

Apple Pay

Pay faster, easier and more securely with Apple Pay

Now you can add your MyLife MyFinance Visa Debit card to Apple Pay for an easy way to tap and pay. View Apple Pay Terms and Conditions.

Challenger Banking mobile application

Adding your card to Apple Pay


  1. Open the wallet app, tap the “+” sign and follow the prompts.

Apple Watch

  1. Open the Watch app on your iPhone and tap “Wallet & Apple Pay”.

  2. Then tap “Add Credit or Debit card” and follow the prompts.

How to use Apple Pay

Paying in stores

Quickly pay in stores using your iPhone or Apple Watch.

iPhone Face ID

Double click on the side button, glance at your screen, then hold your iPhone near the reader.

iPhone Touch ID

Hold your iPhone near the reader with your finger on Touch ID.

Apple Watch

Double click the side button and hold your Apple Watch up to the reader.

Where you can use Apple Pay

Apple Pay can be used anywhere you can tap and pay or anywhere you see this symbol.

Apple Pay symbol

Paying online or in apps

Apple Pay is the easier, safer way to pay in stores, in selected apps and on participating websites with your iPhone, Apple Watch, iPad and Mac.

You can quickly check out using the devices you carry every day.

Apple Pay is also the safer and faster way to pay on participating websites and in selected apps because you no longer have to create an account or fill out lengthy forms.


Apple Pay is a digital wallet from Apple which lets you use a compatible iPhone, Apple Watch or iPad to make secure contactless purchases in stores, within selected apps and participating websites in Safari, on your MyLife MyFinance Visa debit card.

When you make a purchase, Apple Pay uses a device-specific number and a unique transaction code. Your full card number is never stored on your device or on Apple servers, and it can’t be shared with merchants. Apple Pay doesn’t keep transaction information that can be tied back to you, ensuring all purchases are private.

Apple Pay works with:

  • iPhone SE (and later versions) in stores, within apps, and on the web in Safari
  • iPad Pro, iPad Air 2, and iPad mini 3 (and later versions) within apps and on the web in Safari
  • Apple Watch in stores and within apps
  • Mac for payments on the web in Safari

For a full list of compatible Apple Pay devices, see

No, it does not cost anything to use Apple Pay.

The usual credit or debit charges apply to purchases and some retailers may apply a credit or debit card surcharge to purchases made using any payment method, contactless or chip and PIN transactions.

Apple Pay requires an active data plan or Wi-fi connection to add your card to Apple Pay. Based upon your mobile plan and network, additional message and/or data charges may apply.

Yes, a card can be added to Apple Pay on multiple devices. Your card will need to be added to each device separately.

Yes, but it depends on the device model as to how many cards can be added to Apple Pay. On newer devices, such as the iPhone X, you can add up to 12 cards, earlier models will allow you to add up to eight cards. The first card added to the device will become the default card, but this can be changed. You must be the owner of all cards you add.

No. At this stage you can’t use Apply Pay to withdraw cash. You’ll need to continue to use your plastic card to complete these transactions.

No, there is no transaction limit when using Apple Pay. For transactions over $100 you might be asked to enter your card PIN on the retailer’s payment terminal.

Transactions will appear as they normally do on a bank statement. It is not possible to show if a transaction was made using Apple Pay, contactless card or chip and PIN.

You can visit Apple Support for further information here: and refer to the Challenger Bank Limited Apple Pay Terms.


*All depositors are protected by the Government guarantee. For further details, please refer

This information is intended to be general only and has been prepared without taking into account your objectives, financial situation or needs. Because of that, you should consider its appropriateness, having regard to your objectives, financial situation and needs before acting on any such information. You should obtain and consider the relevant Target Market Determination (TMD), General Terms, Product Disclosure Statement (PDS), Fees and Charges Schedule and Interest Rate Schedule before making a decision about whether to acquire or continue to hold the relevant product.

Issued by Challenger Bank Limited (ABN 54 087 651 750, AFSL/Australian Credit Licence 245606) which is an authorised deposit-taking institution (ADI) regulated by the Australian Prudential Regulation Authority. Challenger Bank Limited is a part of the group of companies constituted by Challenger Limited and its subsidiaries (Challenger Group). No other entity in the Challenger group apart from Challenger Bank Limited is an ADI, and that entity's obligations does not represent deposits or other liabilities of Challenger Bank Limited. Challenger Bank Limited does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.