About these terms.

This document contains the terms that apply when you use Apple Pay in relation to a Mastercard® debit or credit card issued by us.

In this document, “us” or “we” means Westpac New Zealand Limited NZBN 9429034324622 and “you” means the person who adds their card to Apple’s Wallet app.

When we use the term ‘Apple’ in these terms and conditions, we mean Apple Inc. and its subsidiaries and affiliates. When we use the term ‘Apple Pay’, we mean the Apple Pay service that Apple provides.

When we use the term ‘device’ we mean a device (like a mobile phone or watch) linked to a card through Apple’s Wallet app that can be used to make Apple Pay transactions on that card.

The following terms also apply when you use Apple Pay in relation to a card issued by us:

  • The Conditions of Use for your card
  • The Westpac Privacy Policy.

By adding a Westpac card to Apple’s Wallet app, you agree to these Terms. In addition, you agree to the Westpac One App terms and conditions if you add your card to Apple’s Wallet app via the Westpac One app.

Copies of these documents are available online or at any of our branches.

See the Conditions of Use for your card for more information about:

  • Your card, and
  • Transactions made with your card.

If, at any time, we have a ‘Customer Commitment’, the commitments in that ‘Customer Commitment’ don’t apply to the terms in this document.

The Conditions of Use for your card apply to transactions you make using Apple Pay.

These terms and conditions are between you and us only. You’ll separately have an agreement with Apple that applies when you use Apple Pay. You may also have agreements with third party service providers (like your data service provider) that are relevant to your use of Apple Pay.

Adding/removing cards.

You can use Apple Pay in relation to eligible Mastercard debit or credit cards issued by us.

You’ll also need an eligible device with an internet connection that is running the latest version of iOS, watchOS or MacOS. There’s a list of eligible cards on our website in our Ways to Bank – Apple Pay FAQs. There’s also a list of eligible devices on Apple’s website.

Adding a card.

You’ll need to add your card to Apple’s Wallet app to use Apple Pay. This can be done via Apple’s Wallet app or the Westpac One app.

From time to time we may also introduce additional requirements for setting up your card. We’ll only do this in conjunction with Apple.

If you are an additional cardholder, you can only add a card to Apple’s Wallet app by calling us on 0800 888 111. For more information, visit westpac.co.nz/apple-pay.

Removing a card.

You can remove a card from Apple Pay by using Apple’s Wallet app or by calling us on 0800 888 111.

You can temporarily suspend a card from Apple Pay by using Apple’s Find my iPhone app or by calling us on 0800 888 111.

Using Apple Pay for purchases.

Once you’ve added a card on Apple’s Wallet app, you can make contactless transactions at contactless terminals displaying the Mastercard symbol and the relevant contactless symbol.

Apple Pay may not be accepted in all of the same places that your physical card is accepted. Because of this you should always have other ways to pay – like with your physical card or with cash.

You may be required to enter your PIN into the contactless terminal if the transaction is over the maximum limit. Your PIN is the same as your PIN for the physical card.

For New Zealand transactions, the maximum transaction limits can be found at westpac.co.nz. Different limits apply overseas. We don’t have any control over overseas limits. We recommend that you always check that the contactless terminal has accepted your Apple Pay payment.

You can also use Apple Pay for in-app and online payments with participating retailers.

If we believe we have reasonable grounds for doing so, we can suspend, modify, block, restrict, terminate or withdraw your ability to use a card issued by us with Apple Pay. We can do this at any time, and without letting you know if we reasonably believe we need to do so to protect our legitimate business interests or where we suspect unauthorised or fraudulent transactions have occurred or been attempted.

Disputed or unauthorised transactions.

See the Conditions of Use for your card for what you need to do if you dispute a transaction or believe a transaction was unauthorised.


Any fees or charges that apply to the use of your card will also apply when you use your card through Apple Pay. See the Conditions of Use for your card for the fees and charges that apply to the use of your card.

We won’t charge you any additional fees for adding a card to Apple’s Wallet app or using Apple Pay.

There may be fees or charges from third parties in relation to using Apple Pay. For example:

  • Your mobile service provider may charge you for using mobile data
  • You may be charged a fee in-store for using contactless technology.

You are responsible and liable for these fees or charges.


It’s important to keep your devices safe to prevent loss, theft and unauthorised or fraudulent use. You’ll need to comply with all requirements in the Conditions of Use for your card that relate to keeping your PINs and payment instruments safe.

You should also:

  • Lock any device when you’re not using it
  • Not leave any device unattended
  • Not let anyone else use your device when Apple Pay is enabled
  • Make sure your device is running the latest software. When we say ‘payment instrument’ above, we mean any device with a card issued by us added to Apple’s Wallet app.

Anyone who can unlock your device might be able to use it to complete a transaction using Apple Pay.

You should have a passcode set up on your device. If you think someone might know your passcode, you must change it as soon as you can.

If you’ve enabled biometric ID login on your device (for example using your fingerprints or facial recognition), anyone else who has biometric information stored on the device might be able to complete a transaction using Apple Pay.

Because of this, if you want to use biometric ID to make payments using Apple Pay, make sure that the only biometric information stored on your device is your own.

We don’t have any ability to control whose biometric information is enabled on a device to complete a transaction using Apple Pay.

You are responsible for ensuring that a device can no longer be used for Apple Pay using your cards if you sell, upgrade, or dispose of a device.

If you think that someone is unlawfully, fraudulently or improperly using your card (through Apple Pay or otherwise), you must tell us as soon as you can and cooperate with us while we investigate. See the Conditions of Use for your card for more information about what to do if your card or device is lost or stolen.

Our liability to you.

Apple Pay, Apple’s Wallet app and your device are not our products or services. We are not responsible or liable for how these products work. This includes if you are unable to use Apple Pay or if the level of service is limited in some way. If you have questions about Apple Pay or your device, you’ll need to contact Apple or your device manufacturer.

We are also not responsible for any information provided to you in Apple’s Wallet app – including information about transactions you’ve made.

If there are any differences in information provided in Apple’s Wallet app and in your transaction statements provided by us – the information in your transaction statements will prevail.

We’re not responsible to you for paying any loss, cost or expense incurred by you because of any disruption or interference to any property or service as a result of your use of Apple Pay, unless the disruption or interference is caused by our fraud, negligence or wilful misconduct.

When you complete a transaction using Apple Pay, you are responsible for the transaction in the same way as you would be for any other transaction completed using your card. By completing a transaction you are instructing us to charge your account. See the Conditions of Use for your card for more information.

Your liability.

You agree that you’re liable for all reasonably foreseeable losses that we suffer that are a direct result of your negligence, misuse of Apple Pay or failure to comply with these terms and conditions.


We have a clear Privacy Policy that explains how we keep your information safe. The Privacy Policy is not part of these terms and conditions. You can read more about how we collect, store, use and share your personal information at westpac.co.nz/privacy or ask at any branch.

When you use Apple Pay, Apple may access and use your personal information regarding the use of your Westpac cards in Apple Pay. You should review Apple’s privacy policy carefully.

We’re not responsible or liable to you for any loss, injury, or other harm you suffer as a result of Apple using your personal information. If you have ‘Location Services’ turned on in Apple’s Wallet app, you can see where you have used Apple Pay in the ‘Transaction’ tab. You can turn this feature off in ‘Location Services’.

When we can make changes to these terms and conditions.

This section sets out when and how we can make changes to these terms.

We can make changes:

  • If we reasonably think you’ll benefit from the change
  • For security reasons (including to protect against financial crime)
  • To fix a mistake or make minor administrative changes
  • To reflect changes to systems or the way we work
  • That are not specific to you but apply generally to certain services or customers. For example to improve our services or reflect changes to current industry or market practice or conditions
  • To transfer or withdraw any services we no longer wish to offer
  • That are needed to meet our sustainability commitments
  • That are reasonably necessary for our legitimate business purposes
  • We consider reasonably necessary due to reasons outside our control, such as:
    • Changes required by laws, regulations, regulators or any court order or dispute process
    • Changes driven by suppliers or third parties.

Letting you know about changes.

We’ll generally give you at least 30 days’ notice of any changes or the withdrawal or transfer of any services. However, there are some cases where we may give you:

  • Less than 30 days’ notice
  • Notice after the change takes effect
  • No notice if it’s reasonable to do so.

For example, we may not give you 30 days’ notice if:

  • The change, withdrawal or transfer is out of our control
  • The change is made only to your terms if we reasonably believe the change is favourable to you
  • Specific laws apply that set out that we may (or must) give you a different time frame.

We can give you notice about changes by:

  • Direct communication to you, for example by letter or email
  • A message on our online services
  • Displaying information in our branches
  • Notice on our website, or
  • Notice in the media, including a public notice.

If you’re not happy with any changes to these terms and conditions, you’ll need to stop using Apple Pay for cards issued by us and remove any cards from Apple’s Wallet app.


Apple, Apple Pay, Apple Wallet iOS, watchOS and MacOS are trademarks of Apple or its licensors. Your use of these products and services is subject to Apple’s guidelines for using Apple trademarks and copyrights.

If, for any reason, any part of these terms and conditions isn’t binding on you, we can still ask you to do all of the other things you’ve agreed to do in these terms.

There may be some occasions where you or we do not enforce one of the rights outlined in these terms and conditions. This does not mean that anyone has given up that right, unless the relevant party has specifically agreed to give up that right in writing.

Even when specifically agreed to in writing, that agreement only applies to that specific situation.

If there is a conflict between these terms and conditions and any other Westpac terms and conditions that apply, and the conflict relates to your use of Apple Pay or Apple’s Wallet app, these terms and conditions prevail.

These terms and conditions are governed by New Zealand law.

Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

Contact us.

These Terms are between you and Westpac only (and not your operating service provider) our contact details are:

Westpac New Zealand Limited
Westpac on Takutai Square
16 Takutai Square
Auckland 1010
New Zealand


Call us on 0800 888 111 (7am to 11pm 7 days a week) or +64 9 914 8026 from overseas (international charges apply).