The cash back on our BNZ Visa Platinum goes into a separate account to accumulate, just like Fly Buys points used to do, but we can use it for whatever we like. 

@hairy1:

 

I'm on cash back with Visa Platinum BNZ. The cash back just goes back into my credit card which is a little frustrating as it just "disappears" compared to something like Flybuys which accumulates but it is much better value.

 

Same card, cashback goes into a savings account in my daughter's name. Easy.

Loaded BNZ early this morning and used at BP - at the same time used the Storcard app to scan my AA for discount. But with Android Pay app now available in New Zealand I'm wondering if I should just add my loyalty cards to that app instead of Storcard and have a single one for cards.

However, except for petrol stations, BK, McDonald's (and similar) and supermarkets it's still a game of "Do you have contactless?" and then fishing cards out of pocket...

Here is the press release:

 

From today, BNZ customers can load their BNZ Visa credit card into their Android Pay wallet, allowing even greater flexibility when it comes to payment choice.

 

BNZ first launched Android Pay with its Visa Flexi Debit card in December 2016 and has been working steadily to expand the functionality of mobile payments. The process to load a credit card remains the same as when loading a debit card and BNZ customers are encouraged to do this directly within the BNZ mobile banking app.

 

The inclusion of credit cards in the Android Pay wallet is a welcome addition and takes us one step further in our digital journey, says Stephen Bowe, Head of Digital at BNZ. 

 

“Right from the beginning our customers have been telling us they would like to use credit cards with Android Pay so it’s great to be able to make that a reality. By allowing our customers to choose between different cards when making mobile payments, we are giving them the power to pay in a way that best suits their lifestyle – something that is very important to us.

 

“We expect this inclusion of credit cards to really ramp up the number of transactions made with Android Pay. We’re also expecting an increase in app downloads as customers decide to give it a go purely because they can use a credit card. All of this combined works to further cement mobile payments into the Kiwi psyche.”

 

For more information on how you can start paying with Android Pay visit: www.bnz.co.nz/androidpay

 

jonathan18:

 

... and apparently Kiwibank has little interest in providing such payment methods.

 

It's got me seriously considering switching my main credit card to BNZ; the only thing stopping me is the lack of an Airpoints card. I'm quite happy with a cashback scheme (and would prefer it to airpoints - given it's the same rate of return but I can elect what to spend the money on), but once you're on that bandwagon it can be hard to get off it.

 

Once/if Westpac brings it over from across the ditch I'll look to their offerings...

 

At the end of the day if you want them, just switch and when they ask why you're leaving say they don't have Android/Apple Pay. It's the only way they will get the message.

But Kiwi is really just a bare bones half bank

jonathan18:

 

... and apparently Kiwibank has little interest in providing such payment methods.

 

It's got me seriously considering switching my main credit card to BNZ; the only thing stopping me is the lack of an Airpoints card. I'm quite happy with a cashback scheme (and would prefer it to airpoints - given it's the same rate of return but I can elect what to spend the money on), but once you're on that bandwagon it can be hard to get off it.

 

Once/if Westpac brings it over from across the ditch I'll look to their offerings...

 

Kiwibank are hamstrung by their core banking system. Offering new functionality and offerings is severly limited and all resources are being put into the upgrade of this. Unfortunately that's now well over budget and running very late.

I got one of the low fee Airpoints cards a few months ago simply to have another spare credit card for travel. I just couldn't believe how dysfunctional they were along the whole process. ANZ (who I'm with) on the other hand are an amazing bank.

Tried BNZ/Android Pay this morning at a well-known American chain with a Scottish sounding name; mostly just to see if it would work.

The payment failed. Twice.

This may well be because I also have the ANZ GoMoney app installed with a virtual card; and I have set the settings in my phone to use that by default "unless another payment app is open" (I think that's the phrasing).  I had the Android Pay app running on the screen, and it certainly looked like it was trying to do something - the screen showed it looked like it knew I was trying to make a payment and urged me to hold the phone closer (I couldn't, as noted below).

After the two failures by AndroidPay/BNZ, the ANZ goMoney app paid instead.  Useful to know that happens....

It could be that part of the problem is that "they" (the shop) insist on recessing their eftpos terminals in their paystations so there is an airgap; I'm also not 100% sure where the NFC point on the back of the phone is, so trying to wave the two things over each other is a bit painful and hit-and-miss.

I'll go into a BNZ branch later on to see if I can find someone interested enough to start a technical conversation with back-end support; but I'm not going to hold my breath that this will lead to any meaningful discussion.  Ideally, there would be logs on my device, but again, not holding my breath on that one either!

jamesrt:

 

Tried BNZ/Android Pay this morning at a well-known American chain with a Scottish sounding name; mostly just to see if it would work.

 

The payment failed. Twice.

 

This may well be because I also have the ANZ GoMoney app installed with a virtual card; and I have set the settings in my phone to use that by default "unless another payment app is open" (I think that's the phrasing).  I had the Android Pay app running on the screen, and it certainly looked like it was trying to do something - the screen showed it looked like it knew I was trying to make a payment and urged me to hold the phone closer (I couldn't, as noted below).

 

After the two failures by AndroidPay/BNZ, the ANZ goMoney app paid instead.  Useful to know that happens....

 

It could be that part of the problem is that "they" (the shop) insist on recessing their eftpos terminals in their paystations so there is an airgap; I'm also not 100% sure where the NFC point on the back of the phone is, so trying to wave the two things over each other is a bit painful and hit-and-miss.

 

I'll go into a BNZ branch later on to see if I can find someone interested enough to start a technical conversation with back-end support; but I'm not going to hold my breath that this will lead to any meaningful discussion.  Ideally, there would be logs on my device, but again, not holding my breath on that one either!

 

@jamesrt you would be better off dealing directly with the technical team yourself. Perhaps even join the BNZ Community forums and start a thread there, as the technical gurus do join in.

Stu: @jamesrt you would be better off dealing directly with the technical team yourself. Perhaps even join the BNZ Community forums and start a thread there, as the technical gurus do join in.

@Stu, I popped into the Wellington Willis Street branch, and spoke to a very helpful staff member who not only suggested I join the forums, but also gave some good advice, and also asked me to go back and see her again if I still had trouble, as she'd feed it back to the digital team.  A top-notch response, really.

Interestingly, I also got the following email about 45 minutes ago (from a google.com reply-address):

We’re here to help

It looks like something may have gone wrong last time you tried to use Android Pay. This was most likely because your phone moved away from the terminal before it was able to securely complete the transaction.

To ensure that your next experience with Android Pay goes smoothly, simply:

1. Wake your phone
2. Hold it to the terminal until a checkmark appears
3. Wait for confirmation that your payment was successful

That should be it! Give it another go next time you shop.

So clearly Google have logs that said it didn't work for me.... Big brother is watching!

Google probably know more about you than you know about yourself! At least, I think that's their goal.