Live chat Online Chat now

What's mobile pay?

It’s as simple as tap and pay!

Turn your favourite device into your new bank card to tap and pay almost anywhere. With mobile pay you’ll have access to your RACQ Bank account directly from your phone or watch. Using contactless technology, mobile pay will revolutionise how you complete transactions.

IPhone mobile pay

Why use mobile pay?

Enjoy the freedom to tap and pay when and where you like. Simply load your RACQ Bank Visa Debit Card onto your Android, Apple or Samsung device and you can pay simply and securely, every time.

Blue tick Secure

At RACQ Bank we take your security seriously. That’s why we’ll never store your card details and if you lose your device, you can lock mobile pay to protect your money.

Blue tick Convenient

Mobile pay gives you the freedom to pay without needing your wallet. Access your money 24/7 right from your smartphone or watch.

Blue tick Simple

Simply load your RACQ Bank Visa Debit Card onto your phone or watch to set up mobile pay and enjoy the freedom to shop online and in store without needing your debit card.

Blue tick Instant

Working just like your bank card, mobile pay completes transactions in real time, so you can enjoy seamless spending.

Our mobile pay options

Apple Pay logo

Apple Pay

Set up Apple Pay on your iPhone, Mac, Apple Watch, apps or iPad* and pay with your favourite device.

Learn more about Apple Pay

Set up Apple Pay

Google Pay logo

Google PayTM

Formerly known as Android Pay, Google PayTM lets you pay securely on your compatible Android device, in apps and on the sites you’re browsing in Google.

Learn more about Google Pay

Set up Google Pay


Samsung Pay logo

Samsung Pay

Turn your compatible Samsung Galaxy or Gear device into your wallet with Samsung Pay^.

Learn more about Samsung Pay

Set up Samsung Pay


Online Banking FAQs

Yes. These transactions work just the same as regular EFTPOS payments, with the convenience of not requiring you to enter your PIN. Digital wallet transactions require various authentication methods to verify your identity before proceeding with payment, and payWave transactions are capped at $100. 

For your own security, we advise you always keep your payWave-enabled card and digital wallet in your possession; never carry your PIN and card together; always verify the amount before, and ask for a receipt after, tapping your payment; and do not allow anyone else to use your digital wallet or payWave-enabled card.

You can download our free RACQ Bank app for your Android and Apple Device through Google Play and the App Store.

When you register your device you'll be able to authorise your transactions via push notifications to your device. Plus you'll be able to log in to mobile banking using your PIN, fingerprint or Face ID. To register your device simply log in to mobile banking and click on "User" > "Manage my devices" > "Register current device" > "Enter device name". From here you can register your device and make logging in and completing online transactions easier.

Transactions from the past 30 days are shown by default on the RACQ Bank online banking platforms. If you like, you can view transactions from the past 8 years simply by selecting 'Search' and changing the date range. You can view past transactions up to 12 months at a time.

Other ways to bank online with RACQ Bank

Saving at the fuel pump

Internet banking

Log in to RACQ Bank internet banking and take control of your money securely online, 24/7.

Learn more
Young man checking phone

RACQ Bank app

Download our free mobile banking app to manage your accounts, check your balance and transfer money straight from your smart phone.

download on the app store 25 percent  get it on google play 25 percent

Learn more
Young man checking phone


Send and receive money instantly with PayID using just your mobile phone number or email address.

Learn more

Contact us

Need help or like to know more?

Why bank with us?

Loans and banking products are issued by Members Banking Group Limited ABN 83 087 651 054 AFSL and Australian credit licence 241195 trading as RACQ Bank. This information does not take your personal objectives, circumstances or needs into account. Read the disclosure documents for your selected product or service, including the Financial Services Guide and the Terms and Conditions, before deciding.

Except for RACQ Bank, any RACQ entity referred to on this page is not an authorised deposit-taking institution for the purposes of the Banking Act 1959 (Cth). That entity’s obligations do not represent deposits or other liabilities of RACQ Bank. RACQ Bank does not guarantee or otherwise provide assurance in respect of the obligations of that entity, unless noted otherwise.

You can only create a PayID within mobile or internet banking by linking it to an eligible account. Not available on some accounts. This information does not take your personal objectives, circumstances or needs into account. Read the terms and conditions.

Biometric identification features are compatible with selected devices only, noting that some devices may not be able to use particular methods. For Android, selected biometric features should be available on devices with android v 4.4 or greater, provided that feature is available in device. For iOS device, any device that is running with IOS version 9,10 or 11(or greater), provided that feature is available in device. Android, Android PayTM, Google Play and the Android logo are trademarks of Google Inc.

* Apple Pay works with iPhone 6 and later in stores, apps and websites in Safari; with Apple Watch in stores and apps; with iPad Pro, iPad Air 2 and iPad mini 3 and later in apps and websites; and with Mac in Safari with an Apple Pay enabled iPhone 6 or later or Apple Watch. For a list of compatible Apple Pay devices, see

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. iPad Pro is a trademark of Apple Inc.