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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

        • smartazz104 on 05/10/2016 - 07:19

          @niner: I'm sure the number of retailers that Apple Pay doesn't work with isn't that much; certainly nothing that would affect more than a minority of people.

    • teasatotalling on 04/10/2016 - 23:07

      Yeah, I am tossing up taking my business to ANZ.
      Would be nice to not carry a wallet

      • Krish on 05/10/2016 - 07:45

        App isnt the best, that's the one spot where CBA has them covered,

        Great service and the fact that I don't need my wallet is great - only thing I'm angry about is that I still have to carry my licence, that's not the bank's fault though

        • teasatotalling on 05/10/2016 - 12:12
          +1

          I scanned my licence into my phone.
          I hope to try it out one day - I reckon the cops will laugh & accept it

    • furythree on 06/10/2016 - 01:53

      if the big 4 sign up to apple pay

      prepare for hikes in fees, interest rates and losses on most credit card benefits incl reward points to offset their main source of revenue being lost to apple

      guess who loses in the end when you gotta pay another unnecessary middle man?

    • fruit on 07/10/2016 - 17:19

      lol nice try sockpuppet

  • miq on 04/10/2016 - 22:05

    NAB lagging behind again. Commbank have had this (and RFID banking app) for years now….

    • niner on 04/10/2016 - 22:14
      +6

      THe only people who are behind are Apple.

        • ozhunter on 04/10/2016 - 22:27
          +2

          Apple is the one not opening up nfc. https://9to5mac.com/2016/08/10/apple-says-opening-up-iphone-…

        • [Deactivated] on 04/10/2016 - 22:47

          @ozhunter: LOL at the downvotes

        • smartazz104 on 04/10/2016 - 23:40
          +1

          @ozhunter: What's your point? The banks don't need access to the chip. Some people have been brainwashed by the banks to think that they are actually acting in the best interests of their customers. If most of the banks are behaving the way they are, it's only because they care about their bottom line and their shareholders; customers are secondary to all that.

      • smartazz104 on 04/10/2016 - 23:44

        Wrong. What's this, soon we'll have people in support of the banks? Amazing. NAB waited months to give you this, something CBA has been touting for years. And people are falling for it hook, line and sinker.

  • OzBrogains on 04/10/2016 - 22:07
    +7

    Can I stick it to my shoe and pay my goods with my foot?

    • easternculture on 04/10/2016 - 22:12
      +1

      only if your on steroids and get roid rage then kick the self service station

      • [Deactivated] on 05/10/2016 - 00:17
        +2

        What you don't know is that jas0nt is actually Duke Nukem

        • uccoffee on 05/10/2016 - 16:22

          DIY implant it under the skin

    • DealhunterMelbourne on 04/10/2016 - 22:13
      +3

      No, you need to have a shoe phone…

      • [Deactivated] on 04/10/2016 - 22:18
        +5

        I was thinking of sticking to the back pocket of my jeans and waving that against the paywave terminal..

        • llama on 04/10/2016 - 22:54
          +1

          Multi-functional!

          Left and right to Paywave

          Up and down to Swipe

          I'd skip on the "Insert Card to proceed" option.

      • marquise on 05/10/2016 - 01:44

        Remember watching Maxwell Smart with his shoe phone? We understood that concept. But imagine trying to explain paying by shoe back then…

    • blablabla23 on 04/10/2016 - 22:54
      +3

      i'm sticking it behind my sunnies and pretend i'm cyclops.

      "$34? Laser eyes go! Pew pew pew!"

      • cannedhams on 05/10/2016 - 13:47

        If you stuck it to your belt buckle you could just do a pelvic thrust towards the pay wave machine.

        Course you could also end up inadvertently paying for other peoples groceries as you walk past.

  • YellowKnight on 04/10/2016 - 22:20

    What if I have an Android phone with no NFC, can I get one of these and use it?

    • hymio on 04/10/2016 - 22:24

      Yep

  • umoddbro on 04/10/2016 - 22:26

    Android Master Race, can't believe iPhones don't have NFC…

    • llama on 04/10/2016 - 22:52
      -1

      Not everyone wants a company like Google to have access to their personal spending habits.

      • crc32 on 04/10/2016 - 23:00
        +7

        Not everyone wants a company like Apple to have access to their personal spending habits.

        • llama on 04/10/2016 - 23:03

          Precisely.

          So why would ANYONE want an insecure device like a mobile phone involved in payments?

        • crc32 on 04/10/2016 - 23:05

          Agreed. It seems like a bad idea to me.

        • wholistic on 04/10/2016 - 23:27

          @llama:
          Do you have an example of Apply Pay being compromised?

          http://www.iphonefaq.org/archives/974218

          It seems like their security model is better than cards.

        • [Deactivated] on 04/10/2016 - 23:29

          @llama: You mean like storing your email passwords, browsing history, contacts, photos, and other personal details on your insecure device?

          One good thing financial institutions offer - your funds are insured against fraudulent activity by default.

        • llama on 05/10/2016 - 00:05

          @Chateau

          One good thing financial institutions offer - your funds are insured against fraudulent activity by default.

          Yep. But no way I would use a mobile phone "wave" to pay for anything, Nope.

        • callum9999 on 05/10/2016 - 01:34

          @llama: Rather obviously because it's more convenient than the insecure lump of plastic you are evangelising…

        • smartazz104 on 05/10/2016 - 07:24

          Some people actually don't mind Google having access to all that information; perhaps they like targeted ads, amazing.

      • niner on 04/10/2016 - 23:59
        -1

        I like how you believe every word Apple says. Their privacy policy is totally deceptive. They are one of the most intrusive companies in the world. You just don't realise it, because itunes is the single greatest spyware tool on the market.

        • llama on 05/10/2016 - 00:07
          -2

          They are one of the most intrusive companies in the world.

          Well down the list from Google.

          You just don't realise it, because itunes is the single greatest spyware tool on the market.

          I don't know a SINGLE person who uses iTunes. It's shit.

          PS: iTunes has nothing to do with Apple phones now days.

        • smartazz104 on 05/10/2016 - 07:23

          You just don't realise it, because itunes is the single greatest spyware tool on the market

          More likely that you're just making things up; here you have Google, a company that exists predominately to collect information on users and customers for the purposes of advertising and who knows what else, who isn't giving Android away for free out of the kindnesses of their own heart, and yet in your mind Apple is the most intrusive.

    • smartazz104 on 04/10/2016 - 23:41

      iPhones have had NFC since the iPhone 6, nice try.

      • niner on 04/10/2016 - 23:55

        The shitty, closed off kind of NFC.

        • smartazz104 on 05/10/2016 - 07:17

          I'll take that over the "openness" of Android which is just a front for collecting all your personal info.

      • qazwsx on 05/10/2016 - 00:12

        Change 'Apple' to 'Microsoft' and 'iOS' to 'Windows', and the US DOJ and EU would all over Apple like a nasty rash over antitrust breaches. MS got got hit up for creating a closed off environment, which is what Apple has done with NFC. #justsaying

        • smartazz104 on 05/10/2016 - 07:16

          What was Windows market share back then, 97%? Apple doesn't have a monopoly on the smartphone market.

  • Ronnnie on 04/10/2016 - 22:28

    Need this for windows phone

    • llama on 04/10/2016 - 22:52
      -3

      Why?

    • IJustKnowStuff on 05/10/2016 - 10:26
      +1

      It's a sticker. You can put it on ANY phone. Hell you can put it on your forehead and paypass with that.

  • 51ngh on 04/10/2016 - 22:33
    +2

    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.

    Complete BS again I reckon …If they wanted to offer the full services, just without Apple, why didn't they include their VISA and AMEX credit cards in the PayTag thingy ?

  • brilliantthings on 04/10/2016 - 22:42
    +1

    I used apple pay with my amex card. This sticker is just going to confuse the card reader, no?

  • bargainatoraah on 04/10/2016 - 22:54
    +1

    I enjoy tapping a card, reminds me of a good game of briscola.

    Seriously though… a sticker?

    • hymio on 05/10/2016 - 00:02

      It's very sticky!

  • peterpeterpumpkin on 04/10/2016 - 23:09

    I'm hoping all the banks come out with these sticker and chip alternatives for some convenient lifestyle-hacking (especially ING and Citibank). You could swim the Bass Strait to Tasmania with nothing but a waterproof paywave chip (and maybe a crew and shark cage) and pay for a coffee when you arrive.

    Before I spend hours googling, is there a reason why paywave doesn't combine with a PIN if desired to access savings? Beyond the physical card's user details, what special powers does the magnetic strip bring. Seems short-sighted.

    • [Deactivated] on 04/10/2016 - 23:15
      +1

      Why stop at that? Might as well get the chip embedded into your wrist. Saves you from having to carry something externally.

      • peterpeterpumpkin on 04/10/2016 - 23:41

        Even without the privacy concerns I'm a little squeamish right now :)

        • Lukian on 06/10/2016 - 11:32

          You should read up on subdermal magnets then! :)

      • [Deactivated] on 05/10/2016 - 07:15

        Do you want to usher in the apocalypse?

        Revelation 13:16-17

        16 And he causeth all, both small and great, rich and poor, free and bond, to receive a mark in their right hand, or in their foreheads:

        17 And that no man might buy or sell, save he that had the mark, or the name of the beast, or the number of his name.

        • cannedhams on 05/10/2016 - 13:49

          Ha, I got my NFC chip embedded in my left hand. Didn't figure on that happening did you Jesus?

    • Indomietable on 04/10/2016 - 23:32

      ANZ already have paywave ATM : http://betterways.anz.com/smart-atms

      • peterpeterpumpkin on 04/10/2016 - 23:44

        Thanks. So it is possible! I hope to be able to withdraw money from Coles using my Citibank or ING cards one day.

        Perhaps it was a ploy to get people to use credit?

        • fruit on 07/10/2016 - 17:20

          You can, I already do. (ING Debit)

        • peterpeterpumpkin on 07/10/2016 - 19:49

          @fruit: Sorry not the original cards I meant via NFC (specifically, standalone chips or stickers like Cash by Optus). Unless you can already do that as well.

        • fruit on 08/10/2016 - 19:12

          @peterpeterpumpkin: Oh no, currently NFC is "Credit" only so it'll use Visa Debit. Only EFPOS allows cash out.

    • qazwsx on 05/10/2016 - 00:18

      because paywave/paypass are visa/mastercard. your savings is eftpos. you would need eftpos to come up with a contactless solution, but then the point of contactless (speed) is defeated by inputting a pin.
      and i dont see eftpos removing the requirement to have a pin - eftpos is supposed to be just as good as cash, its not set up for fraud etc. banks dont usually guarantee eftpos transactions the same way they guarantee visa/mc transactions.

      • peterpeterpumpkin on 05/10/2016 - 12:06

        I believe EFTPOS came out with Contactless last year and new EFTPOS only cards already support it - at retailers with the new terminals.

        I wonder if anyone has used it?

        It would be useful at ALDI with a mixed debit card, however that would work, to save on fees.

    • dbun1 on 05/10/2016 - 17:12

      Except the cafe will have a min. spend for EFTPOS/CC

  • wattstar on 04/10/2016 - 23:31
    +2

    I think people are missing the point of Apple Pay, it has authentication using your finger print (android may have something similar?).

    NFC cards/stickers by themselves do not require authentication and can be used if found or in close proximity, so much so that there is a market for devices to block signals whilst they are in your wallet.

    • nigelpink on 04/10/2016 - 23:56

      This was my first thought too. Though, on reflection, $4 for a regular NFC tag is extremely steep. It's possible they're using one of those fancy crypto cards (e.g. Mifare DESfire). Still, if they don't get the implementation exactly perfect they're probably opening up a side-channel attack vector.

    • niner on 04/10/2016 - 23:56
      +1

      I'm going to be kind.

      Samsung pay was the first to introduce it. I know you Apple users like to feel special, but everytime you think you have something new, just know that it has already been done before. Most likely many years ago.

      • wattstar on 05/10/2016 - 07:07

        I love how there are so many comments android vs apple. FFS it's a phone. My comment was regarding the security of a NFC card/sticker, as I don't have an android phone I couldn't say for sure how it works so was just hoping for a simple "yes Android also has this technology". Do you feel special now?

  • coco1458 on 05/10/2016 - 00:26

    The question I have to ask Australian Banks is what makes them so special compared to banks around the world? Why do they think they need access to the NFC chip in the iPhone?
    I've done some reading on Apple Pay and it operates on a token system with fingerprint authentication.
    If banks have access to the NFC chip, would that compromise security? It really just creates a backdoor for hackers to get into, well that's what I believe anyways.
    Australian consumers lose out, every single time

    • qazwsx on 05/10/2016 - 00:48
      +2

      they want access to the NFC so they can create their own apps like they have on android (which I think is a bit silly, paying for all that dev costs when google throws android pay around for free). essentially their own apps will allow them to bypass apple's cut of the fees.

      I laugh when you say aust consumers lose out all the time. I remember I got paypass cards around 2010, 2011 and its grown so much since.
      I used to work in the US at the end of 2013 - dont worry about contactless, they didnt even have chip cards then! I just came back from a holiday to the US - in Aus we have been tapping cards for half a decade almost everywhere these days, whereas half the outlets I went to in the US were still swiping my card.
      I now live in Singapore, that great tech-advanced country, or so people tell me. Contactless is nowhere near as prevalent as in Aus, trust me on that. One of the cards in my wallet doesnt even have paywave.
      After having dealt with banks in the US and Singapore, I was happy to deal with the Aust banks.
       #globalperspectives

      I thought I might just roll with some more examples:
      - fee-free bank accounts, or easy ways to avoid fees
      - good interest rates on savings
      - functional online banking
      - decent banking apps
      - free online bank transfers (had to pay for this in the US!)
      - nice little innovations, like CBA introducing cardless cash withdrawals that was promptly copied by westpac

    • ProspectiveDarkness on 05/10/2016 - 00:55

      If banks have access to the NFC chip, would that compromise security? It really just creates a backdoor for hackers to get into, well that's what I believe anyways.

      Doubtful. It's about the money, and the lack of competition. Apple could operate NFC openly and keep its ApplePay components closed if they really wanted to.

  • nanukenga on 05/10/2016 - 01:42

    Ozbargained? All I am getting is "your form is loading" and it never loads. Tried three different browsers. Tried turning off adblock plus.

    • frostyboy on 05/10/2016 - 05:46

      same here

    • DealhunterMelbourne on 05/10/2016 - 11:28

      I had that problem the first time I tried it too. I found whitelisting nab in ublock origin was the solution… I don't use Adblock Plus though.

  • GregFiona on 05/10/2016 - 07:21

    Doesn't every ozbargainer have a couple of dozens of Amex cards? Just use one of those with Apple Pay:P

  • Harrison on 05/10/2016 - 09:16

    Will there be any difference if I stick my card inside my phone case?

  • Jad on 05/10/2016 - 09:27

    Got a bit excited about this, until I realised the 'sticker' is just a mini version of the NAB VISA debit card without the magnetic strip or chip…

    All the previous comments regarding phones and Apple vs Android etc. seem a bit off topic in that regard once you realise this.

  • shamona1 on 05/10/2016 - 09:45
    +2

    Essentially this would be no different to sticking your Paywave enabled card into your phone case.

    I'm surprised people didn't think of this years ago and you could have fooled so many people into thinking you were paying with your phone haha.

    • Jad on 05/10/2016 - 10:38

      you could have fooled so many people into thinking you were paying with your phone haha.

      NAB are certainly trying and it's a bit misleading I think:

      'TAP AND PAY with your phone'
      'a convenient way to make contactless purchases with your phone'
      'Make contactless payments using your smart phone whilst shopping with Visa payWave'

  • muncan on 05/10/2016 - 10:13

    Why stick it to your phone? There's so many more creative places you could stick it. Paywave like a boss.

    • IJustKnowStuff on 05/10/2016 - 10:32
      +1

      "Sir, can you please stop thrusting your genitals onto the machine"

  • angyp on 05/10/2016 - 11:22
    +1

    NAB are dogs. Stop stuffing around with stupid stickers and get apple pay working or I am going to ANZ. NAB don't apple pay because of the fees well I don't like NAB's fees either but it's a fact of life.

  • map26 on 05/10/2016 - 12:23

    Anyone else pick up that the phone is the right way up for the the person paying (thumb on the button) but the screen is the wrong way around?

  • JVHifi on 05/10/2016 - 16:06

    I just called them up and the girl on the phone said its no longer free and has gone up to $3.99 as of Sunday
    '#NotPaying4ThisCrap'

    • cloudie9 on 05/10/2016 - 17:49

      But website says otherwise. Offer extended to 7/10. You got misleded.

  • prinsenhof on 05/10/2016 - 18:29
    +1

    Wow the NAB must think consumers are so dumb. So the research division finally found a pair of scissors and cut the chip out of a card. I wonder how long it took them to figure out the rest of the plastic wasnt doing anything? I would have paid money to sit in on that meeting. Th boss was probably so proud, with the rest of the team going wtf to themselves quietly

    As for apples fees, who cares whether apple or the NAB gets the fee, its still taken from us. Ill probably get ANZ just to play around, then set-up a two monthly scheduled transfers back and forth between my accounts, just because i cant be bothered changing my pay details with work.

    • furythree on 06/10/2016 - 02:02

      so ur going to cut up your card and glue it to your phone?

      what will you do when you realise its for visa debit and not credit cards

      how about if you encounter a non tap and pay terminal?

      they are giving this stickers so you can still use your regular card for any other scenario where you cant/wont use your phone

      theyre not trying to be clever. its free for gods sake

      Regarding the fee. If you introduce another middle man who wants a slice. The banks are going to lose revenue. They will recouperate it from you to offset the loss in revenue with each transaction whether directly through you via fees or loss off benefits, or indirectly through merchants who will raise prices over time

      its not about who gets the fee. the problem is that now you gotta pay an extra fee that theyre trying to avoid

  • Armin65 on 06/10/2016 - 03:20

    Come on CBA…countdown just started!

    • fruit on 07/10/2016 - 17:21

      They did this two or one year ago.. I dunno it's been so long since I've had one

      • Armin65 on 07/10/2016 - 20:51

        I meant Free paytag offer mate :)

        • fruit on 08/10/2016 - 19:14

          I do know I got my replacement for free when switching phones.

        • Armin65 on 10/10/2016 - 04:04

          @fruit:
          How you managed to get it free? Was that replacement of new paytag? from which mobile brand to what?

        • fruit on 10/10/2016 - 15:02
          +1

          @Armin65: Well actually it was me just removing it and later wanting it back. Just claimed I got a new phone..

  • fruit on 07/10/2016 - 17:23

    Has this expired? It says
    "I have reviewed the important privacy information and NAB PayTag terms and agree to continue with my application. By continuing, I also agree to have the $3.99 NAB PayTag purchase fee directly debited from my NAB everyday account."

  • umoddbro on 14/10/2016 - 13:05

    Hey guys I received the sticker and it came with a PIN.. Does this mean that this is my new PIN for my debit card?

  • GregFiona on 25/10/2016 - 20:08

    I apologize if it has been asked already in the comments but:
    I own an Iphone , an AMEX card registered with Apple pay and a NAB Visa card.
    Let's say I buy this "NAB sticker" and place it at the back of my phone.
    Does this mean that I can't use my Amex Apple Pay anymore? Will I be able to choose the phone's built in Apple Pay or the phone's "sticker" when making a contactless transaction?

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