Skip to main content

Challenger Bank Limited Apple Pay Terms and Conditions


Agreement to these Terms

Challenger Bank Limited ABN 54 087 651 750 (Challenger, we, us, our), holds Australian Financial Services Licence (AFSL) and Australian Credit Licence 245606 issued by the Australian Securities and Investments Commission (ASIC).

Any references to "you" or "your" in these Challenger Bank Limited Apple Pay Terms and Conditions (Terms) means the person who holds the Visa Debit card that is used for Apple Pay.

You agree that you accept these Terms by adding our Visa Debit card to Apple Pay on an eligible Apple device.

These Terms, together with our General Terms, govern your use of your eligible Visa Debit card with Apple Pay.


Apple Pay provided by Apple

Apple Pay is provided by Apple, not by us. We are not liable for the use, functionality or availability of Apple Pay, any Apple device or any disruption caused from the availability of contactless merchant terminals or reduced service levels caused by the failure of telecommunications networks.

You must agree to Apple’s Terms to register and use Apple Pay.


Using your Visa Debit card with Apple Pay

You can add a Visa Debit card to Apple Pay on an Apple device. 

You must be verified when adding a Visa Debit card. To verify you through Apple Pay we will send a text message to your mobile with a verification code. You should ensure that we have your correct mobile number so you can receive the verification code via text message (you may also call our Service Centre on 1300 221 479 for verification). We also require a valid email address to send the welcome notification. If you do not have a valid mobile and email registered with us (or have had these details registered for less than 30 days), you may also call our Service Centre on 1300 221 479 for verification and card provisioning. If we cannot properly verify you or if we suspect that there may be attempted fraud, we may decline the request to add your Visa Debit card to Apple Pay.

Once your Visa Debit card is registered with Apple Pay, you can use your Apple device to 
authorise transactions on the linked account.

If you have multiple cards linked to Apple Pay and would like your Visa Debit card to be the default card for your transactions, you can do this within the setting of your Apple device or within the Wallet app. Please refer to Apple support materials for further details.

You may be required to enter your Visa Debit card PIN into the merchant's terminal or enter your mobile phone security credentials (e.g., PIN, passcode or biometric identifier) on supported devices to complete a transaction.

The transaction limits that apply to your Visa Debit card do not change as a result of you adding your Visa Debit card to Apple Pay.

Apple Pay may not be accepted outside of Australia, or at all places where your Visa Debit card is accepted.


Suspension or termination of Apple Pay

We may suspend or terminate use of your Visa Debit card with Apple Pay without notice at any time, including if:

  • your Visa Debit card is cancelled, blocked or suspended
  • you breach any of our Terms or these Terms
  • we, Apple or a card network provider reasonably suspects unauthorised transactions or fraud has occurred
  • we are required to do so under any legislation or law, or if required to by a regulatory or government body
  • our arrangements with Apple regarding Apple Pay cease or are suspended, and
  • for any other reason we deem appropriate. 

You may remove your Visa Debit card from Apple Pay by following the instructions provided on your 
device by Apple.

Applicable fees and charges
We do not charge any additional fees for adding or using a Visa Debit card with Apple Pay.

All applicable fees relating to your account as specified in our General Terms and Fees and Charges Schedule still apply. You can obtain a copy of these from our website or by contacting our office on 1300 221 479 during our office hours 8.30am and 4.30pm EST/EDT, Monday to Friday.

By using Apple Pay, you may incur third party charges such as carrier or mobile data charges, which you are responsible for.


Data collection and privacy

By using Apple Pay, you agree that: 

  • Challenger and Apple may exchange information relating to the set up and use of Apple Pay, including (but not limited to) information about your Apple device (on which your Visa Debit card is registered), your transaction history and other information required to facilitate the Apple Pay experience
  • Apple may also use your personal information for different purposes. Please review Apple’s Terms and Condition and privacy policies carefully. 

We may also exchange your information with other service providers (such as Visa). 

If you don't want us to collect or disclose this information, you should not register a Visa Debit card for use in Apple Pay.


Our liability

We will not be liable for any loss arising from your use of Apple Pay to the extent the loss was caused by:

  • your contribution to the fraud
  • your use of Apple Pay or the Apple device in a manner not permitted by Apple (for example, by obtaining root access to your Apple device)
  • a reduced level of service caused by matters beyond our reasonable control for example, those caused by third party software and network providers (subject to your rights under the ePayments Code). 


Security and Associated Liability

If your Visa Debit card is registered for Apple Pay on an eligible Apple device, it is your responsibility to ensure that:

  • where the Apple device is accessible via a biometric identifier (such as a fingerprint), only your biometric identifier is registered on the device
  • where the Apple device is accessible via a passcode, the passcode is not able to be easily guessed or deciphered (e.g. your date of birth), it is kept safe and secure at all times, in the same way as you would a PIN or other banking password, and that it is not be disclosed to anyone, kept with the Apple device or in anything with which the Apple device is stored 
  • the Apple device is locked at all times when not in use and is not left unattended in a non-secure environment
  • you remove any Visa Debit cards from the Apple device before disposing of it. 

You must notify us immediately if:

  • your Apple device is lost or stolen
  • you believe the security of your Apple device has been compromised (including your passcode) or that an unauthorised person has access to the Apple device or knows your security credentials. 

Your liability for losses arising from an unauthorised transaction will be determined under the ePayments Code.

You should immediately unlink your Visa Debit card(s) from Apple Pay if your Apple device is stolen or lost. Instructions to unlink your card are available on the Apple Pay website and the Wallet app.



Apple, Apple Pay and associated logos are trademarks of Apple Inc.



The following definitions apply within these Terms:

  • Apple device means a device such as an iPhone, iPad, Apple Watch and certain Mac computers (with touch identification and relevant credentials) using an Apple operating system, which we determine is eligible for the registration of Visa Debit cards to be used in Apple Pay. 
  • Apple Pay means the mobile payment and digital wallet service created by Apple that lets users make payments using certain Apple devices and credit cards or debit cards registered on such Apple devices. 
  • Apple means Apple Pty Ltd ABN 46 002 510 054 and/or its related bodies corporate and affiliates. 
  • Passcode means anything required to unlock an Apple device, including a password, passcode, pattern or biometric identifier (where applicable). 
  • Visa Debit card means any Visa debit card issued by us. 


*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.