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Free NAB Paytag Paywave iPhone Sticker (Normally $3.99)

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Free NAB Paytag Paywave iPhone Sticker (Normally $3.99)
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DealhunterMelbourne on 04/10/2016 - 20:57 campaigns.nab.com.au (5829 clicks)
Last edited 04/10/2016 - 20:58

NAB has quietly introduced NFC PayWave stickers for iPhone users in the last few weeks. They'll cost $3.99 each normally, but NAB has a launch promotion to provide them free of charge up to 7th October.

Like the Commbank ones, the sticker is associated with one of your existing bank accounts (you have to have a Visa Debit card for the account as well) and then you can Paywave with the sticker on your iPhone.

You can stick them inside or outside your phone case too (inside the case makes it less obvious that you have the NFC Paywave tag on your phone).

Presumably this is NAB's fallback position to getting in on Apple Pay, giving they didn't get their application to negotiate as a bloc with the other big four banks approved by the ACCC.

(Note: the sticker can obviously be used with any phone handset but NAB is marketing these as a solution for iPhone users because they don't want to participate in Apple Pay, given the transaction fees Apple charges the banks.)

Financial NFC Tag

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National Australia Bank Group (NAB)
National Australia Bank Group (NAB)

closed Comments

  • mitcheo on 04/10/2016 - 21:00
    +4

    Would i be correct in saying this isnt needed if our phones have NFC?

    • DealhunterMelbourne on 04/10/2016 - 21:05
      +1

      It's for iPhones… the later models of which do have NFC, but NAB isn't participating in Apple Pay yet due to the fees Apple charges banks on transactions.

      • smartazz104 on 04/10/2016 - 23:25
        +10

        That's just an excuse the banks are using when the real reason is that they want access to the NFC chip. So instead of biting the bullet and losing 0.0001% of their massive profits, they umm and ahh for months and come up with a "solution" the CBA have been using for years.

        • qazwsx on 05/10/2016 - 00:00
          +16

          hahaha 0.0001% of their profits. you know in business, you look at each revenue stream individually right?
          so try up to 50% of their merchant fees from credit cards - thats a massive impact.
          Apple initially wanted 0.15c per $100, which is about half the 0.3% average they are meant to achieve under RBA (ie government) rules - thats rough.
          If you have any perks on your card, think reward points, cashbacks, frequent flyer points, free insurances, concierge services, no FX fees - well all that gets funded directly or indirectly from the merchant rates. cant have your cake and eat it too

        • [Deactivated] on 05/10/2016 - 00:07
          +25

          @qazwsx: Nice try, NAB CEO.

        • qazwsx on 05/10/2016 - 00:25
          +2

          @thescarecrow84: haha dont even bank with them. i am just trying to protect my credit card points, which are already under attack from the RBA - I kind of accept that since the theory is that you are paying for it through the prices (merchant rates, CC surcharges). but to see my credit card points devalue so that it can go to an american company i dont give two shits about? piss off

        • callum9999 on 05/10/2016 - 01:25
          +2

          What utter drivel! You do realise you just said "NAB isn't doing this to make more money, they're doing this to access the NFC chip to make more money"?

          And of course people liked it because it involved a rant about how awful banks are (so awful infact we all choose to use them…).

        • smartazz104 on 05/10/2016 - 07:15
          +1

          @callum9999: No one chooses to use banks, we are forced to.

        • ilikeradiohead on 05/10/2016 - 12:33

          @qazwsx: Totally agree. The RBA is providing a solution to a non-existent problem. Someone from AMEX did a Q&A with point hacks and revealed that AMEX issued cards are safe from the regulations because it is only interchange fees that will be covered by the legislation (however bank issued AMEX are covered, so I'd expect them to disappear). I get the desire to regulate fees that customers pay on top, but I don't understand regulating the interchange fees that provide the frequent flyer points.

        • callum9999 on 05/10/2016 - 15:14

          @gokhanh: Well, that's debatable given its physically possible to live without using them - you simply don't want to because it will be difficult and uncomfortable.

          But even if we were to be more reasonable and classify convenience as a necessity, you could still have an account for the sole purpose of receiving your salary, then withdraw it all immediately on payday.

          Most people moaning about evil banks however won't do that and take full advantage of them making our lives easier (not out of charity of course).

        • tonsta on 05/10/2016 - 17:28

          @callum9999: I have never seen a bank refuse to jump into a customers open wallet. LOL.

          Helping customers?? Helping NAB bottom line.

        • callum9999 on 05/10/2016 - 22:59

          @tonsta: Obviously they make money by helping customers - like all businesses do. I didn't say they're doing it out of the goodness of their hearts!

        • smartazz104 on 07/10/2016 - 09:43

          @callum9999: We only need a bank for our salary due to legislation that came into place at some point (I wonder who pushed for it); before people would be paid cash directly.

      • user27 on 05/10/2016 - 02:13
        +2

        Just don't lose your sticker

        • DryScissors on 05/10/2016 - 03:32
          +7

          I was an early adopter with the commbank PayTag sticker and the amount of people that would say "You wouldn't want to lose your phone!" You're just as likely to lose your wallet- what am I missing?

        • Unknown1 on 05/10/2016 - 10:01

          @tomski182:

          Banker once expressed the opinion, that using a phone wallet case was unsafe. However, as suggested "You're just as likely to lose your wallet". Additionally, I can't track a wallet using an app.

          Counterpoint that losing one item as opposed to two is easier, can be made. However, I'm more likely to notice a heavy phone falling from my pocket (noise, sudden decrease of weight) than a light wallet.

          Each to their own, I suppose.

        • DealhunterMelbourne on 05/10/2016 - 11:09

          OMG yes! They should do something about that, like putting a strong adhesive on the back of it so you can stick it to… oh, wait…

        • patinadiary on 05/10/2016 - 14:41
          +1

          @tomski182: With the sticker on, you are losing both your wallet and phone.

        • PAOK11 on 18/10/2016 - 17:47
          +1

          @gaurav1504: correct rather lose one item rather than both !!

    • ocoolio on 05/10/2016 - 07:30
      +1

      This is needed as we live in a backward country where technology adoption is not really a thing.

      • YellowDieselGolf on 05/10/2016 - 10:37

        Not really. If we hadn't adopted pay wave early then we would have had Apple Pay/phone NFC two years ago.

      • callum9999 on 05/10/2016 - 15:16

        What is it with people who get joy from denigrating their own country for no reason?

        Australia is one of the most technologically advanced countries on the planet (not world leading of course, but certainly not being left behind).

        • NickosFoivos on 05/10/2016 - 16:11

          WOuld not say one of the most advanced in tech for sure. It is coping tho.

        • callum9999 on 05/10/2016 - 16:48
          +1

          @NickosFoivos: So what tech does a significant number of other countries have that Australia doesn't then?

          About the only major issue I can see is the broadband network, and even that isn't enormously bad as a global average.

  • iwik on 04/10/2016 - 21:01
    +1

    What's wrong with NABpay through their app? Works with your phones NFC just like Android or Apple pay.

    Or does it only work for Android?

    • raytheguy on 04/10/2016 - 21:51
      +2

      Only android

    • DryScissors on 05/10/2016 - 03:34
      -1

      Apple won't give third party access to the secure enclave, used with Touch ID. Generic NFC is not secure at all.

      • MountFranklin on 05/10/2016 - 07:02
        +3

        Apple pay with touch ID may be more secure than "generic nfc" BUT "generic nfc" is more secure (if not the same) when compared to using a standard debit/credit card with paywave.
        Apple fanny's will always promote this "higher" security with apple pay but will still use their physical bank cards with paywave which is the least secure payment method of the three aforementioned.

        • Munki on 05/10/2016 - 09:11

          How dare you point out logical fallacies to Apple defenders.

  • nightelves on 04/10/2016 - 21:02

    It's needed because Nab, Commonwealth and Westpac won't let you store their credit card on your phone.

    • mshanann on 04/10/2016 - 21:24
      +10

      Rumour has it that the big 4 were collectively going to boycott Apple pay due to the loss of fees, but then ANZ broke ranks…

      http://www.businessinsider.com.au/the-big-australian-banks-a…

      • nightelves on 04/10/2016 - 21:34
        +4

        Yeah I didn't include ANZ for a reason.

      • jv on 04/10/2016 - 21:49
        +11

        the big 4 were collectively going to boycott Apple pay

        until customers started to boycott them..

        • ozdesi on 04/10/2016 - 22:14
          +2

          +1 NAB will have hard time getting customers to pay for these tags. Even when free not everyone will be willing to jump ahead

    • supersabroso on 05/10/2016 - 08:12
      +3

      That's not true, commonwealth bank allows nfc payments with just your phone through their app. This feature has been around for quite some time. No need for any insecure pay tags, nobody can use your money unless they know your pin.

      • hopper on 05/10/2016 - 10:59
        +1

        only for android i guess

  • DealhunterMelbourne on 04/10/2016 - 21:03
    +4

    Sorry I should have been clearer in the description. NAB is marketing this as a solution for iPhone users — because they don't want to participate in Apple Pay given the fees Apple charges banks on transactions. For Android users they are recommending their NAB Pay app which uses the inbuilt phone NFC.

    • [Deactivated] on 05/10/2016 - 00:12
      +4

      Doesn't explain why they refuse to support Android Pay! FOr real though, (profanity) NAB, CBA and Westpac and their NFC Cartel. I shut all my Westpac accounts and opened an ING savings account and got an ANZ credit card. Now I tap and pay, Visa Debit or AMEX/Visa credit, with my phone constantly and I'm super happy with it.

      • callum9999 on 05/10/2016 - 01:27
        +1

        Ermmm, yes it does… Do you think Google are offering Android Pay for free?

        • borgsta on 05/10/2016 - 20:03

          From memory they pretty much do

      • oz-stef on 05/10/2016 - 11:34

        Any particular ANZ card/account? This sounds like what I should do, open an ING account and link that "somehow" to the ANZ card…

      • furythree on 06/10/2016 - 01:46
        -1

        westpac already supports android pay numbnuts

        • [Deactivated] on 31/10/2016 - 01:59

          Lol no it doesn't you (profanity).

        • furythree on 02/11/2016 - 00:49
          -1

          @thescarecrow84: theyve already rolled out phase 1, its the shittiest way to enrol but it works

          phase 2 is being rolled out at the end of this quarter which is going to allow a proper enrolment process, but the onboarding process is shite

          Phase three for next year will be the optimal android pay experience.

          Gee, I wonder how i know this information

  • mitcheo on 04/10/2016 - 21:12

    I see, thanks for clarifying, i just set it up on my android. ive actually been waiting years for this for some reason..

  • firestormx on 04/10/2016 - 21:15
    +2

    This is really great for phones without NFC. Unfortunately, it seems a bit weird that they are not providing any options to link it to a credit card rather than a debit card.

  • Diji1 on 04/10/2016 - 21:17
    -4

    So in exchange for not carrying a few grams of exactly credit card sized plastic I'm supposed to use muh dumPhone to pay for stuff.

    Not seeing the appeal since I still require a wallet for other things.

    • DealhunterMelbourne on 04/10/2016 - 21:59
      +4

      A lot of people always have their phone in one hand… saves getting the wallet out :)

    • Japius on 05/10/2016 - 07:34
      +1

      Sometimes I will leave the house without my wallet, but never without my phone, its come in handy more than a few times when I have needed to buy something or get cash

  • forumninja on 04/10/2016 - 21:28
    +9

    I still prefer a Batlow sticker on my apple.

  • easternculture on 04/10/2016 - 21:39
    -2

    Coles MasterCard already gives them out for free

    • DealhunterMelbourne on 04/10/2016 - 22:02
      +6

      Not much use if you're a NAB Visa Debit customer :->

  • Iwantthatbargain on 04/10/2016 - 21:41

    Will this work only for NAB, or CommBank as well ?

    • DealhunterMelbourne on 04/10/2016 - 22:03
      +1

      NAB only. Commbank has their own one that you can get though.

      • ShadowStealer7 on 04/10/2016 - 23:08

        Not any more, or at least they stopped offering them for Android users. Which sucks if it's iPhone only now as my phone doesn't have NFC

        • DealhunterMelbourne on 05/10/2016 - 11:10

          I don't see how they can practically limit it to iPhone users.. all you have to do is say you have an iPhone…?

  • mikedavis67 on 04/10/2016 - 21:47
    +1

    Ordered mine last week and it came in the mail today. It feels a little weird holding the phone up to your ear with a large thick plastic sticker on the back. Would be better stuck to a phone cover.

    • DealhunterMelbourne on 04/10/2016 - 22:02

      I'm thinking sticking it on the inside of the phone cover would be the way to go. Hidden from view, and not adhered to your precious resale-value iPhone!

  • abzolutely on 04/10/2016 - 21:51

    Disappointing you can't use it with a standard visa card

    • llama on 04/10/2016 - 22:46
      +4

      You CAN - simply move the standard visa card in close proximity of the Paywave terminal.

  • mitty on 04/10/2016 - 21:51
    -5

    Or I could just open an account at ANZ and use Apple Pay. Anyone who chooses to use this has rocks in their head when there's a very simple and much better alternative.

    • DealhunterMelbourne on 04/10/2016 - 22:00
      +19

      Does ANZ have completely fee free bank accounts, with no minimum monthly deposit and unlimited transactions? Nope.

      • blablabla23 on 04/10/2016 - 22:46
        +1

        that's the main reason why i closed my anz account after graduation, what with being a jobless graduate and all. Got a job since but couldn't be bothered re-opening an account.

        i would most likely switch back to anz when i get rid of my ageing iphone 5 tho.

      • llama on 04/10/2016 - 22:56
        -1

        Does ANZ have completely fee free bank accounts, with no minimum monthly deposit and unlimited transactions?

        YEP - My account is.

        • Lord Ra on 04/10/2016 - 23:23
          +1

          What account is this? I asked and the said no, I have to. Deposit a minimum of two k pm or pay $5 in fees.

        • smartazz104 on 04/10/2016 - 23:28

          @lordra: Which isn't a problem for the majority of working people. Sure NAB may offer completely fee-free solution, but what one hand giveth, the other taketh away.

        • llama on 04/10/2016 - 23:57
          -8

          @lordra:

          Standard ANZ account.

          Anybody with an ANZ mortgage gets one or more fee-free savings accounts with linked Visa Debit. I think I have 2 of them, maybe more.

          I have to. Deposit a minimum of two k pm

          $2000 per month is hardly a lot of money for most people.

          You don't need to physically deposit anything - just use the account for your centrelink payments.

          Otherwise, $5 fee is bugger all.

        • qazwsx on 05/10/2016 - 00:04
          +7

          @llama: hahaha thats not really free. Imagine if a bank advertised that, free* bank account. The ACCC would shoot them
           
           
           
           
           
           
           * if you have a >$200k mortgage

        • DealhunterMelbourne on 05/10/2016 - 08:36
          +3

          @gokhanh: what does NAB taketh away though? They don't charge account fees, they don't charge overdraw fees… the only area I find NAB lacking is that their ATM network isn't as big as the other big 4 banks and they lag behind the others in technology - though they usually get there eventually (this paytag being a case in point).

          PS the $5K deposit requirement is a problem if you require more than one transaction account and don't want to have to manually shuffle your money around every month to avoid the fees.

        • smartazz104 on 05/10/2016 - 09:25

          @DeedubMelbourne: At the end of the day, all banks are the same, they are out to make money for shareholders; customer satisfaction is secondary :)

      • unelectric on 04/10/2016 - 23:57

        Check out Macquarie Bank

  • JimmyF on 04/10/2016 - 21:53
    +1

    "NAB is marketing these as a solution for iPhone users because they don't want to participate in Apple Pay, given the transaction fees Apple charges the banks."

    haha its funny with the tables are turned now isn't it banks!?

    Oh those 'fees'….. But I do agree, why should Apple get a 'cut' for making a phone with NFC. bad apple!

    • mranderson978 on 05/10/2016 - 22:03

      I was thinking the same thing myself.
      The shoe's on the other foot and the banks don't like it.

  • jv on 04/10/2016 - 21:53
    +4

    Works fine on my non-iphone

  • krisspy on 04/10/2016 - 21:57

    So it's just an NFC sticker with your bank details on it?

    • doperst on 04/10/2016 - 22:27
      +7

      It's basically a smaller copy of your debit card with only the contactless interface.

  • hymio on 04/10/2016 - 21:59
    +1

    These kind of function like a tiny extra debit card. Could possibly give it to someone else you trust to use your account if needed…

    • DealhunterMelbourne on 04/10/2016 - 22:01
      +1

      Yes (though you could equally have given them a secondary Visa Debit card on your account…)

  • Jay80Lives on 04/10/2016 - 22:00

    Is it safe to assume that you have to be a NAB customer to get/use this? Or will the chip be bank agnostic?

  • niner on 04/10/2016 - 22:01

    Buy a cheap android phone with NFC and you don't need dumb chips. Just use the bank's Android App.

    lol you iphone users are so behind the curve.

    • llama on 04/10/2016 - 22:49
      -2

      Get a credit card with a chip already inside it, and you don't need dumb phone apps. Just use the bank's CARD

      lol, you android users are so fixated on making sure that Google is involved in EVERY part of your life.

      • [Deactivated] on 04/10/2016 - 23:11
        +6

        So now Apple users have to carry a card along with a headphone jack adapter? Does that make you even more courageous?

      • niner on 04/10/2016 - 23:24
        +2

        I don't use Android pay. I use Samsung pay. What does using the commbank app for NFC payments or Samsung pay have to do with Google? Are you new to ANdroid?

        lol, you android users are so fixated on making sure that Google is involved in EVERY part of your life.

        Coming from the guy who probably has an Apple Watch, Apple computer, Apple iphone and uses Google's search engine.
        What does that make Applepay? Hypocrite.

        • llama on 05/10/2016 - 00:03

          Coming from the guy who probably has…

          Absolutely zero desire to have ANY mobile phone company have anything to do with my money.

        • niner on 05/10/2016 - 00:04

          @llama:

          That's why I use credit cards and not cards linked to my savings. :)

      • Lord Ra on 04/10/2016 - 23:28

        So two debit cards and a credit card and store cards in your wallet. Do you know how much that's going to add in size?
        5 cards I don't have to carry thanks to nfc. Plus more, I have half a dozen more shopping cards plus pay wave is more convenient.
        In my case I don't bank with just one, I spread out a bit. Hate fat wallets. So hurray for NFC, Apple. Was. Just holding back so that they can make money on fees.
        Bad apple.

      • DealhunterMelbourne on 05/10/2016 - 09:32
        +2

        This Paytag doesn't require an app — it doesn't interface with the phone in any way. It's literally just a stuck on, smaller-size version of your Visa Debit card, without the mag-strip or chip interface.

        • llama on 05/10/2016 - 21:11
          +1

          Thanks for a logical explanation.

          And if that's the case, then WHAT THE HELL has that got to do with Apple?

  • 51ngh on 04/10/2016 - 22:02

    you have to have a Visa Debit card for the account as well

    ummmm, the only place where I use my Debit card is Aldi …
    I'll pass !

    • [Deactivated] on 04/10/2016 - 22:17
      +2

      And even then, they charge for contactless!

      • 51ngh on 04/10/2016 - 22:30

        Valid point …

    • trev likes bargains on 05/10/2016 - 08:39

      Same here. Debit for Aldi only

  • cloudie9 on 04/10/2016 - 22:02
    +1

    Cheers op, ordered for both myself and mrs.

  • DealhunterMelbourne on 04/10/2016 - 22:04
    +1

    I'm curious to see whether it works OK with iPhone 6 onwards, as they already have an NFC chip inside for Apple Pay. I'm wondering if the Apple NFC chip will interfere with the NAB NFC chip (like holding two credit cards up to a Paywave reader at once.)

  • Krish on 04/10/2016 - 22:04
    +4

    Love Apple Pay with ANZ, big 4 Should either sign up to Apple Pay or prepare to lose customers. Already cancelled my cba cc - half way there

    • niner on 04/10/2016 - 22:14
      -2

      Nah, they'll just switch to Android.

      Samsung Pay > APple pay.

      • smartazz104 on 04/10/2016 - 23:38

        How is Samsung Pay better than Apple Pay?

        • niner on 04/10/2016 - 23:48
          +4

          Samsung’s service uses both near field communication (NFC) and magnetic secure transmission (MST) to transmit payment information. SO it works with wireless terminals and terminals that ONLY have the swipe card function. It's very handy overseas on business trips, because some cities aren't as advanced and still use swipe card EFTPOS machines. I simply hold the phone next to the swiping area.

          Apple's problem is also that it doesn't allow access to the NFC chip on the iphone unless you are an Apple approved retailer/institution. IT only works with a limited number of retailers.
          https://9to5mac.com/2016/08/10/apple-says-opening-up-iphone-…

          I also happen to have a citibank credit card :p

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