The soft launch last week of the Commonwealth Banks Tap & Pay support in their CommBank Android app was met with much fanfare by the wider Android community, and yesterday the Commonwealth Bank officially announced that it was available.

While we covered the high points in our post last week, we wanted to show what the Commonwealth Bank had to say on the addition, and we also took the opportunity to ask about Credit Card support – a feature which a number of people would love to see happen.

As we all know, Tap & Pay is made possible due to Host Card Emulation, which Google introduced in Android 4.4 (KitKat) which allows for the NFC chip in the phone to be used, without the requirement to host sensitive data in the Secure Element within the card.

The CommBank Tap & Pay solution is powered by Mastercard, with Andrew Cartwright, SVP & Country Manager, MasterCard Australia saying that ’60 per cent of MasterCard transactions under $100′ are now made using the contactless Tap & Pay method.

Lisa Frazier, Executive General Manager Digital Channels, CommBank supplied some interesting statistics on CommBank and the amount of users:

  • CommBank App is the most popular in Australia with 3.2 million unique registered users
  • 2.35 million people logging on each week
  • Since the app relaunched in late 2013, more than $100 billion in payments and transfers have been made

So, you can now use Tap & Pay with debit cards on devices running the CommBank App on Android 4.4 and above. But what about Credit Cards? We asked the Commonwealth bank about this and they advised they are still considering Credit Cards ‘for their future product road map in conjunction with consumer demand’. In other words: Request it often and loudly and it will happen.

The Commonwealth Bank is the first of the ‘Big 4’ banks in Australia to offer Tap & Pay, and at this stage we’ve not heard anything back from the other banks when we’ve asked. We’ll continue to ask and if we hear anything back you’ll see it here first. To learn more about Tap & Pay with the Commonwealth Bank, head over to their website.

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    Damien Xenos

    Used this yesterday at Bunnings. It worked.

    I see this as a backup at best. I had to turn on NFC, open the app, key my pin in, then tap and pay. Very cumbersome and not more streamlined than paying by traditional card or cash. Card based tap and pay is far easier.

    People in line would get annoyed at the time you take if it was busy.


    I don’t quite understand… I have a Nexus 4 and when I open the CBA app and go to Tap & Pay, it tells me I need to order the CBA tag. Is there a way to get around this?


    Does this work on rooted phones, i’m sick of waiting for optus note2 updates


    Works just fine on my rooted Z3.


    works on my rooted G2 running cm12


    I opened a CBA account last week after reading about the launch. Haven’t actually used the tap and pay yet but I will before the weekend is out!

    I’ve been with ANZ for 10 years and they have been promising tap & pay for about 2 years but when I asked them about it recently, they didn’t even respond. Made the decision easier anyhow.


    “The Commonwealth Bank is the first of the ‘Big 4′ banks in Australia to offer Tap & Pay, and at this stage we’ve not heard anything back from the other banks” … what is the Westpac NFC option that has been around for a couple of years?

    Serious Question – Am I missing something as to how this is different other than not applicable to Credit Cards? I’ve been paying with my S4 and S5 for a year atleast now …

    Daniel Tyson

    It’s More that it’s Tap & Pay for everyone, not just if you purchased a Samsung device. That could admittedly be a little clearer


    It uses software based security (host card emulation) compared to the hardware based secure element in Samsung devices. Which has effectively been made obsolete.


    i used it at maccas yesterday … seamless process to setup and worked like a charm !!! … soo happy i didn’t purchase that NFC strip for $3.99


    Promising…but I want my credit card awards points!!!


    Although tap and pay on mobiles have been around for a while, This is great!

    CBA started the credit card payments on samsung Galaxy S4 a couple of years back and were followed by Westpac. Although the credit card payments on CBA app were stopped late last year, Westpac has continued to provide tap and pay creditcard payments on many samsung devices.

    This seems to be supported on many more devices than just samsung. This marks a new begining in the mobile payments world!


    what would get me to change is the removal of overseas transaction fees. e.g. everthing I buy from google attracts this because Google tax dodges, in this way I pay twice for their greed. So much for “do no evil”. Does CBA have overseas transaction fees on their credit cards ? If not I will move from ANZ and use this app as well.

    Darren Ferguson

    You’re buying products from an overseas arm of Google. That’s completely legal and benefits them in regards to tax.
    I also maximise my taxable income legally. Because I am not a charity.


    I am buying from Google (dot) com (dot) au in Australian dollars this to me says I am buying from the Australian arm. Darren they are totall tax dodging.. Remember they used to charge GST as well, they kept that for themselves.

    Darren Ferguson

    I know a local company that was trying to break into the UK education sectore. Was getting nothing. set up a .co.uk website and started charging in pounds and are now doing very well. They are obviously tax dodging now.

    Please provide evidence of them keeping GST revenue.


    Did you not hear about the investigation by the ATO ?
    My N4 had a GST amount but was processed overseas, I contacted the ATO about this and they said that this was wrong and were investigating.

    They no longer charge GST in a purchase….

    Darren Ferguson

    I’d love a source on that investigation and any outcome.

    From what I understand, they used to charge a GST but no longer do. Just because the head office may be in Singapore doesn’t mean the rest of it is. However being processed over there is a bit strange.


    CBA does have an int’l transaction fee, which is usually microscopic (and insignificant). Google purchases don’t (usually) attract them IIRC, because they’re processed in Australia… though I’d have to go back over a statement to verify that.


    Google transactions are processed in Singapore or Ireland and on ANZ have always attracted an overseas transaction fee even though they are done in AU dollars.
    Buying an N6 will attract nearly a $18 fee on most credit cards.
    With the nexus 5 this was less than $10 so I didn’t mind but with the more expensive products this means you are not purchasing for the advertised AU price you also have to factor in charges.


    I have a CommBank Mastercard debit/credit and I’ve never been charged international transaction fees on Google purchases.


    Excellent, that sounds good. Thanks. I know on ANZ and ING I always had an OS transaction fee