best online casinos by iCasinoReviews

Which Banks Support Apple Pay in New Zealand?

In the era of digital transformation, technology continues to shape the way we conduct financial transactions. One of the most significant advancements in recent years has been the introduction of mobile payment systems. Apple Pay is among the pioneers in this domain. It’s a groundbreaking service that has gained popularity across the globe.

New Zealand, known for its tech-savvy population, has embraced Apple Pay NZ as a convenient and secure method of making purchases. In this article, we will explore the impact of the service in the country, highlighting its benefits and availability.

Table of content

    Definition: What Is Apple Pay NZ?

    By linking their compatible Apple devices, such as iPhones, iPads, Apple Watches, and Macs, to their bank accounts or credit cards, New Zealanders can make purchases with just a touch. With no need to carry physical wallets or rummage through them for cards, Apple Pay NZ users can complete transactions swiftly, making it a convenient option for both in-store and online purchases.

    How Does Apple Pay Work?

    This payment method utilizes Near Field Communication (NFC) technology, tokenization, and biometric authentication to facilitate secure and seamless transactions. Here’s a detailed answer to the common “what is Apple Pay?” question:

    • When a card is added to the system, the actual card numbers are not stored on the device or Apple service. Instead, a unique Device Account Number is assigned, encrypted, and securely stored in the device’s Secure Element, a dedicated chip that provides enhanced security. This ensures that sensitive card information remains protected.
    • When making a purchase, Apple Pay uses two-factor authentication methods to ensure secure authorization. Depending on the device, this can involve either Touch ID or Face ID to authenticate the user’s identity.
    • It doesn’t matter whether you use Kiwi Bank Apple Pay or any other NZ bank card. The payment process works in an identical way. In a physical retail store, users can hold their Apple device near a contactless payment terminal. The device communicates with the terminal using NFC technology, transmitting the necessary payment information securely. Once the transaction is authorized, users receive a confirmation on their device.

    Throughout the payment process, Apple Pay prioritizes the security and privacy of user information. Personal and financial data are not shared with merchants during transactions, minimizing the risk of data breaches. Instead, the method uses tokenization to generate a unique payment token for each transaction, ensuring that the user’s actual card details are never exposed.

    List of Apple Pay Banks NZ

    We often get this question from our readers: can I use KiwiBank Apple Pay? It’s important to know that to this point, there’s no Apple Pay KiwiBank support. However, the landscape of the digital payment options is ever-evolving, and it’s worth staying updated with KiwiBank’s latest offerings to see if they introduce Apple Pay or alternative solutions in the future. In the meantime, other major banks in New Zealand do offer this payment method.

    You can rely on the following Apple Pay NZ banks:

    ANZ Bank

    ANZ is one of the leading banks in the country. It supports this payment method for its debit and credit cards.

    ASB Bank

    ASB Bank offers Apple Pay support for its Visa debit and credit cards.


    This prominent NZ bank supports Westpac Apple Pay compatibility for its debit and credit cards.

    Bank of New Zealand (BNZ)

    BNZ provides Apple Pay compatibility for its Visa credit and debit cards, giving its customers a convenient digital payment option.

    Amex Apple Pay

    Customers of American Express can add their credit cards to their Apple devices and enjoy the convenience and security of this payment method. Whether it’s in-store, in-app, or online purchases, Amex Apple Pay NZ works impeccably as a digital payment integration.

    Guide: How to Set Up Apple Pay and Start Using It

    Apple Pay is available on iPhone models (iPhone 6 and later), iPad models (iPad Air 2 and later, iPad mini 3 and later), Apple Watch, and Mac models with Touch ID.

    Once you’re sure that the device is compatible, follow this guide to get started:

    Setting Up the Apple Pay App on Your Device

    These are the steps to set up the payment service on your device:

    1. You should make sure your device is running the latest iOS (or macOS) version of Apple’s operating system.
    2. Add a card to Apple Pay. It doesn’t matter whether you’re using American Express Apple Pay NZ or any other card supported by the app. You’ll go through the same procedure:
    • Launch the Wallet App on your device, and select “Add Card.”
    • Tap on the “+” symbol in the app or click on “Add Card” on your Mac. You can choose to add a credit, debit, or prepaid card that’s supported by the application. You can also use the device’s camera to capture the card details automatically.
    • Follow the prompts to verify the card. This may involve entering additional information or completing a verification process through your bank.
    • Accept the Terms and Conditions provided by your bank or card issuer.
    • Once your card is verified and approved, it will be added to Apple Pay, and you can start using it for payments.
    1. Some users prefer adding multiple cards to the app, such as ANZ and Amex NZ Apple Pay. In that case, you’ll have the option to set a default card for convenience. The default card will be used for transactions unless you choose another one during checkout.

    How to Use Apple Pay on an iPhone at a Point of Purchase

    This is a straightforward process, and most users get used to it pretty quickly.

    1. Prepare your device! Unlock your iPhone by using Face ID or Touch ID, depending on the model. Make sure it has sufficient battery power.
    2. When you’re ready to make a payment, approach the payment terminal at the store.
    3. On your iPhone, activate Apple Pay NZ with Touch ID or Face ID. Face ID users should hold the device within view of their face.
    4. Once the app is activated, hold your iPhone near the contactless payment reader. The device will send a signal to the payment terminal to complete the transaction. Depending on the authentication method (Touch ID or Face ID), follow the prompts on your iPhone’s screen to authenticate the payment.
    5. After authentication, the payment terminal will confirm the transaction’s success with a visual or audible notification. Your iPhone may also provide a confirmation on the screen, displaying the details of the transaction.
    6. If you need a receipt, request one from the merchant or check if a digital receipt is available.

    Using Apple Pay on Apple Watch at a Point of Purchase

    The process of using an Apple Watch is very similar to the one we described about iPhones.

    1. Make sure your Apple Watch is charged and properly paired with your iPhone. On the watch, press the side button to access the Dock.
    2. In the Dock, locate the Wallet app. Tap on it to launch Apple Pay.
    3. Position your wrist near the contactless payment reader at the store. The watch will sense proximity to the payment terminal and activate Apple Pay.
    4. Once the payment method is activated, double-press the side button on your Apple Watch to initiate the payment. The screen on your watch will display your default card. Verify the transaction details on the screen.
    5. To authorize the payment, position your wrist close to the payment terminal. Wait for the transaction to be confirmed as successful. This may involve a visual or audible notification from the terminal.

    Your Apple Watch will display a confirmation of the transaction, including the amount and the merchant’s name.

    How to Use Apple Pay in Safari

    Using Apple Pay in Safari allows you to make secure and convenient online purchases on your Mac, iPhone, or iPad. Here’s a detailed guide on how to use it:

    1. Verify that the website you’re making a purchase from supports Apple Pay. Look for the logo or an option to use the payment method during checkout.
    2. Start an online purchase, and select Apple Pay at the checkout.
    3. You’ll get a payment sheet displaying the transaction details, including the merchant’s name, the purchase amount, and the card you selected. Verify the payment details and make any necessary changes.
    4. On your device, use Touch ID or Face ID to authenticate the payment.
    5. Once authenticated, the payment will be processed, and you’ll receive a confirmation message on the website, indicating the successful completion of the transaction.
    6. If needed, save or print a digital receipt provided by the website for your records.

    How to Use Apple Pay in Different Apps

    You can make seamless and secure purchases in different apps on your compatible Apple devices. Here’s how to do it:

    1. Launch the app in which you want to make a purchase. This could be a retail app, food delivery app, or any other app that supports Apple Pay. Browse the items or services available within the app and add them to your cart.
    2. Locate the checkout option within the app, and begin the payment process. Select Apple Pay as your payment method.
    3. You’ll see a payment sheet with the transaction details. Verify the payment details after you make any necessary changes, such as selecting a different card if preferred.
    4. Use Touch ID or Face ID to authenticate the payment.

    The payment will be processed within the app. You’ll receive a confirmation message or receipt within the app.


    Apple Pay has emerged as a convenient and secure payment method in New Zealand, revolutionizing the way people make transactions. With its seamless integration into compatible Apple devices, users can enjoy the benefits of contactless payments both in-store and online. And in our article, you can familiarize yourself with the list of online casinos that accept deposits through Apple Pay. It’s essential to check with individual banks to determine their specific compatibility with the payment method. Although not all banks have adopted Apple Pay, the increasing popularity of digital payment solutions signals a shift towards a more convenient future of transactions.

    The most frequently asked questions about Apple Pay with answers

    Does KiwiBank have Apple Pay for its clients?

    At this stage, KiwiBank does not support Apple Pay. This is one of the most common questions we get from our readers: does KiwiBank do Apple Pay? Hopefully, the bank will make a change in its policies, as many of its clients are willing to use this payment method.

    Is there an ANZ Apple Pay NZ service?

    Yes; ANZ New Zealand does support Apple Pay. ANZ was one of the first banks in the country to introduce the service, allowing its customers to add ANZ debit or credit cards to the app and enjoy the benefit of contactless payment both in-store and online.

    Is Apple Pay secure?

    Yes, Apple Pay in New Zealand is designed to provide a high level of security for transactions. It incorporates several features to protect user information and ensure secure payments: tokenization, Touch ID/Face ID authentication, Secure Element, transaction encryption, and two-factor authentication.

    Why don’t all big NZ banks support Apple Pay?

    The decision of whether or not to support Apple Pay is ultimately up to each individual bank. While some major banks have embraced the service, others have chosen not to implement it at the time. The reasons can vary, but they are mostly based on the bank’s business strategy, the method’s cost and infrastructure, and competing services offered by the banks themselves.

    Is there Cooperative Bank Apple Pay compatibility?

    At the time, Cooperative Bank in New Zealand doesn’t support Apple Pay for its clients.


    Oliver Scott igaming expert
    Oliver Scott
    Oliver is our gambling guru 🔥 All the texts on our site are written or edited by his professional hands. He played in most of the best New Zealand casinos which are on iCasinoreviews. 10 years in iGaming ❗ Lots of conferences and tournaments. Everything to become the best casino expert for you.