Digital wallets
A digital wallet is an app on your smartphone that allows you to save debit, credit and prepaid cards. They can also store reward, loyalty and gift cards.
Digital wallets are a simple and secure way to make payments on the go, online or in store. They securely store a digital version of your People First Bank (or People's Choice) card on your phone or device to make purchases without the need to carry a physical card. Your digital wallet is a contactless and in-app payment method.
Further details on the terms of use of a digital wallet can be found here.
Your digital wallet will have the same daily limit as your physical card. For transactions over a certain amount, you may be prompted to enter your card PIN at the terminal for added security.
Yes, this is subject to the terms issued by your digital wallet provider or your telecommunications service provider. The current age restrictions for adding a card into a smartphone or device is for children over the age of 13 years for Apple Pay and 16 years old for Google Pay.
Contactless Payments
All you need to go contactless is your People First Bank (or People's Choice) card. You can use the card itself, or if you like you can set up Digital Wallet payments, which means you’ll be able to use a device, like your phone or smartwatch to pay.
No, you can just use your card to tap and pay if you like. A digital wallet lets you pay without even needing your card though – you can use a device, like your phone so you won’t need to carry your purse or wallet.
Please note: you should never share your device passcode, or register more than one person’s biometrics (such as Face ID), while using a digital wallet.
Google Pay
Learn how to tap, pay and more, at the Google Wallet Learning Centre.
Apple Pay
Explore our dedicated Apple Pay page, to learn how to tap, pay and more.
Samsung Pay
To find out how to tap, pay and more with Samsung Pay, explore their dedicated support page.
Yes, it’s perfectly safe. You’re covered by Visa’s Zero Liability policy so you won’t be held responsible for fraudulent charges or unauthorised purchases.
If you use a digital wallet, it even has extra layers of security that use your device’s technology, plus it doesn’t share your card details (such as card number, expiry date and CVV) with anyone, even the store. The digital wallet passes a unique code to the merchant to process the payment, while your personal information remains secure.
We're here to help! If you are receiving an error when entering your card details when adding your card to Apple, Google or Samsung Pay, contact our team on 13 11 82 to make sure your card is active and can be registered for the service.
Google Pay
Google Pay creates a digital card that is stored within the App, therefore the physical card details are not stored or displayed. Digital card information is protected by the secure Google device lock, pin, password or pattern, which must be used when making purchases.
Payment information is encrypted with Secure Socket Layer (SSL) technology and stored on secure servers. The physical card details are never shown in the App or shared with the merchant when the payments are made in store.
Yes, you can.
Simply select ‘Pay with Google Pay’ at checkout.
Follow the prompts to select which card you’d like to pay with and complete your purchase.
You will receive a receipt as a standard Google notification.
Click on the notification to view your receipt which will display the merchant's name, along with the basic transaction details (time, amount, etc).
Your digital card will have the same daily limit as your physical card.
The digital card will need to be deactivated, this can be completed by contacting us on 13 11 82.
This will not affect the use of the physical card.
Download the Google Wallet App from the Google Play store. Your device must be NFC (Near Field Communication) enabled and running operating system Pie version 9.0 or above.
All People First Bank (or People's Choice) cards.
Open the Google Wallet App on your eligible device and tap the ‘+’ sign, then either enter your card’s information or take a picture of your card.
When adding a Visa Debit or Credit Card you will always need to enter the three-digit CVV number located on the back of your card, and accept the People First Bank conditions of use.
We confirm your identity with a Verification Code to keep your accounts secure. This code can be sent via SMS or by contacting us on 13 11 82.
Google Wallet allows you to register multiple cards along with loyalty and gift cards.
You can also view the last 10 transactions you’ve made with Google Pay and use Google Pay while overseas.
Apple Pay
Apple Pay is a digital wallet from Apple which lets you use a compatible iPhone, Apple Watch or iPad to make secure contactless purchase in stores, within selected apps and participating websites.
Apple Pay works with iPhone operating system 8.1 or later; iPad operating system 12.2 or later; Mac operating system 10.15 or later.
See a list of compatible Apple Pay devices.
No, your card details are not stored on the device or in your iCloud. When a card is added to Apple Pay, a Device Account Number replaces the need for the card number.
Apple Pay protects your purchases with a unique Device Account Number which is securely stored on a chip in the device, so payments can be made without any card information having to be shared with the retailer.
Other security features include:
iPhone and iPad
Payments can only be authorised by using Touch ID (if it is enabled), or by entering the device passcode.
Apple Watch
Payments can only be authorised if the device passcode has been entered and skin contact with the device has not been lost. If the device has been removed from your wrist, Wrist Detect deactivates the NFC feature and Apple Pay. To re-activate the NFC feature and Apple Pay the device passcode must be entered again.
See more information on Apple Pay security features.
Yes, up to eight cards can be added to Apple Pay on a single device. The first card added to the device will become the default card, but you can change the default card.
You can use your device to make a payment using Apple Pay in stores, within apps or on participating websites wherever you see one of the Apple Pay or contactless payment symbols.
To authorise a payment, hold your iPhone near the contactless reader and:
- Scan your Face ID to authorise payment (if Face ID is enabled); or
- Enter your device passcode (if Face ID is not enabled)
With an Apple Watch you double-click the side button and hold the display up to the contactless reader to authorise a payment.
Please note: the Apple Watch NFC feature has to be activated before Apple Pay will work. When you strap your Apple Watch to your wrist you will be prompted to enter the device passcode. This will enable Apple Pay. If the Apple Watch is removed from your wrist, so skin contact is lost, Wrist Detect detects that skin contact has been lost and Apple Pay and the NFC feature are deactivated.
You can add a card to Apple Pay from your People First Bank App. Simply:
1. Login to the App
2. Select ‘Cards’
3. Swipe to select the card to be added to Apple Pay
4. Tap ‘Add to Apple Pay’ and follow the prompts.
For security purposes, when a new card is added to Apple Pay, we’ll ask you to complete a verification check before it can be used with Apple Pay. We’ll send a verification code to the mobile phone number you have registered with us.
If you do not receive an SMS this could be due to an incorrect mobile number registered on Online Banking. Please log in to Online Banking, go to Settings, Customer Details and follow the prompts.
Yes, a People First Bank (or People's Choice) card can be added to your wallet across multiple devices that is registered only to yourself. You must not have your card added to a wallet on a device that doesn't belong to you. For more information, see our Apple Pay Terms of Use.
Yes, you will be able to view the last 10 transactions made using Apple Pay on that device within the Wallet App.
Yes, however it is not possible for People First Bank to show if a transaction was made using Apple Pay, contactless card or chip and PIN.
Look for the Apple Pay icon during checkout. When Apple Pay is selected as the payment method.
Check your billing, shipping and contact information to make sure that they’re correct. If you want to pay with a different card, tap ' > ' next to your card.
If you need to, enter your billing, shipping and contact information. Apple Pay will store that information, so you won’t need to enter it again
When you are ready, make your purchase. Place your finger on Touch ID, completed Facial Recognition or enter the device passcode.
If using an Apple Watch double-click the side button to authorise payment. After your payment information sends successfully, you’ll see 'Done' and a checkmark on the screen.
Yes, you can use Apple Pay to make payments on participating websites using a Mac on Safari. To use Apple Pay, the Mac needs to be signed in to the same iCloud account as the iPhone or Apple Watch and have Bluetooth enabled on your Mac. You then:
- Select the Buy with Apple Pay or Apple Pay button
- Check your billing, shipping and contact information are correct.
The default card can be changed by clicking the button next to the default card and selecting a new credit or debit card from any iPhone or Apple Watch which is nearby and signed into the same iCloud account.
If you need to, enter your billing, shipping and contact information. Apple Pay will store that information on your iPhone, so you won’t need to enter it again.
When you are ready, make your purchase. Place your finger on Touch ID or enter the device passcode on your iPhone or double-click the side button on the Apple Watch to authorise payment. After your payment information sends successfully, you’ll see Done and a checkmark on the screen.
Your digital wallet will have the same daily limit as your physical card. Apple Pay transactions can be made by holding the device up to the contactless reader and authorising payment using Touch ID, the device passcode or double-clicking the side button on Apple Watch.
For transaction over a certain amount, you might be asked to enter your card PIN into the retailer’s terminal.
You should contact us straight away on 13 11 82 so the lost or stolen card can be cancelled and no further purchases made. You should also remove the lost or stolen card from the Wallet app.
When the replacement card is issued you will have to add this to Apple Pay.
If you have the Find My iPhone app you can use it to remotely lock the device and disable the use of the Apple Pay function. Or you can log into icloud.com and remove all cards from Apple Pay remotely. If you do not have the Find my iPhone app you should contact us on 13 11 82 to request that your card be disabled for use with Apple Pay.
Alternatively, you can also login to Online Banking or People First Banking App and apply a temporary lock to your cards.
You should contact us on 13 11 82 to request that your card be disable for use with Apple Pay. You should also go to icloud.com and remove your card from Apple Watch. If you find your Apple Watch you can add your card back by following the same steps you went through when you set the card up with Apple Pay originally.
You take the item back to the retailer as normal. Some retailers will be able to offer refunds back to the device from which the original payment was made, while other may have to refund the plastic card.
If the retailer is able to refund to the device used to make the original purchase, you:
- Select the card they want to be refunded within the Wallet app
- Hold the device above or near the contactless reader and authorise the refund using Touch ID, Facial Recognition or the device passcode; or
- Hold the Apple Watch display up to the contactless reader and double-click the side button to authorise the refund
You may need to provide the last four digits of the Device Account Number to the retailer. This can be found by opening the Wallet App and tapping the (i) symbol in the bottom right corner and then scrolling down to find Device Account Number.
The first card added to the Wallet app becomes the default card for that device. To change a default card you must follow these steps:
iPhone
- Open the Wallet app
- Touch and hold your finger over the card you want to make the default card
- Drag the card to the front of the cards in the Apple Pay section
Apple Watch
- Open the Watch app on your iPhone
- Go to the My Watch tab
- Tap Wallet & Apple Pay and then Default Card
- Choose a new card
iPad
- Go to Settings
- Tap Wallet & Apple Pay and then Default Card
- Choose a new card
To remove a card from Apple Pay you must follow these steps:
iPhone
- Open the Wallet app
- Select the relevant card and then tap (i) symbol in the bottom right corner to see all the card details
- Scroll down and select Remove Card
Apple Watch
- Open the Watch app on your iPhone
- Go to the My Watch tab
- Scroll down and tap Wallet & Apple Pay
- Tap the card and then tap Remove Card
iPad
- Go to Settings
- Tap Wallet & Apple Pay and then Remove Card
- Choose the card to be removed from Apple Pay
Please note: if you remove your device passcode or Touch ID security feature, or sign out of iCloud, all cards will be removed from Apple Pay on the device.
The Device Account Number is used to make secure purchases in stores and within apps and websites. It will not work if it is compromised in any way and cannot be used outside of the device it is assigned to.
The Device Account Number can be found by opening the Wallet app and tapping the (i) symbol in the bottom right corner and then scrolling down to find Device Account Number.
No, it does not cost you anything extra to use Apple Pay.
The usual credit or debit charges apply to purchases and some retailers may apply a credit or debit card surcharge to purchases made using any payment method, including Apple Pay, contactless or chip and PIN transactions.
You require an active data plan or Wi-fi connection to add your card to Apple Pay. Based upon your mobile plan and network, additional message and/or data charges may apply.
Yes, the user experience has changed, merchants may now select the network in which they wish to route transactions. You can still use Apple Pay the same way you always have by double clicking the side button and authenticating with Touch ID, Face ID or passcode.
You can determine whether your dual network debit card supports both networks by;
On iPhone:
- Open the Wallet app.
- Tap on your card.
- Tap the More button
- Tap Card Number.
Within the Card Number section, if you see Visa and eftpos network, then the card is a dual network debit card.
On Apple Watch:
- Open the Wallet app.
- Select the dual network debit card
- Tap ‘Card Details’
After following the above steps, if you see eftpos and Visa, then the debit card supports both.
Newly provisioned dual network debit cards on iPhone running iOS 17 or later and on Apple Watch running operating system 10 or later.
Samsung Pay
Make sure your People First Bank card is the first card displayed in Samsung Pay.
You can check or update your default card within the Samsung Pay app by selecting the All tab, then Payment cards. From here, you can view your cards and set or unset your People First Bank card as your default payment method.
For more support, see Samsung Pay's guide to adding and managing cards.
You can use Samsung’s Find My Mobile service to remotely Lock or Wipe your device (also Locking or Wiping Samsung Pay and all the payment cards registered in it).
If you just want to suspend your card temporarily, login to Samsung Find My Mobile service and suspend your card.
You can still use your physical People First Bank card.
Contact us right away on 13 11 82 so the lost or stolen card can be cancelled and no further purchases made. You should also delete the lost or stolen card from Samsung Pay.
- Open Samsung Pay and select the card you want to delete.
- Tap Delete card from the More menu.
- Confirm deletion by verifying with your fingerprint.
You can register up to 10 payment cards into Samsung Pay.
You can add as many loyalty cards as you want; however, only a total of 12 cards (loyalty, debit and credit cards) can be displayed by Samsung Pay when using Simple Pay. You may select which debit, credit and loyalty cards you would like to access with Simple Pay by selecting More, Settings, Edit Simple Pay.
Samsung Pay is accepted virtually anywhere you can pay by tapping your card.
Yes, the transaction limits that apply to Samsung Pay are the same as your People First Bank (or People's Choice) card. For transactions over a certain amount, you will be asked to enter your card PIN into the retailer’s terminal.
You can register any of your People First Bank (or People's Choice) cards.
Samsung Pay protects your purchases with fingerprint, Iris Scanner or device passcode.
Samsung Pay uses Tokenisation, a Secure Environment, and Samsung KNOX to secure your payment information.
For more details on Samsung Pay security features.
Samsung Pay operates on Android OS 6.0 (Marshmallow) or higher.
Here's a list of Samsung for compatible devices.
Get started with Samsung Pay by either swiping up from the home button or opening the Samsung Wallet app from the home screen.
Select your People First Bank (or People's Choice) card by swiping left or right.
Verify your fingerprint and touch your phone to either the card reader or NFC reader to complete the payment. Alternatively, enter your 4-digit Samsung Pay PIN or use the Iris Scanner on applicable devices.
2. Select the card by swiping right or left and tap the card
3. Hold the watch near the NFC reader to pay
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