eftpos Tap & Pay is now available with your RAMS Action and RAMS Action with Offset Account

Now you can simply tap your card when making everyday purchases for easier access to your money. You won’t be required to enter a PIN for transactions under $100, and your account balances will be updated in real time. Easy!

How to Use your RAMS debit card to Tap & Pay

1

At participating stores where you see the contactless symbol, let the merchant know you’d like to use eftpos Tap & Pay.

2

Once the transaction amount is shown on the terminal, hold your card over the contactless terminal until the terminal indicates your transaction is accepted.

3

Collect your receipt

FAQ

  • Who can apply for a RAMS debit card?
  • RAMS debit card holders must be 18 years of age and have an Australian residential address to be eligible for the card. You must also hold an eligible RAMS Account to link your debit card to.


  • Which RAMS accounts are eligible for a RAMS debit card?
  • RAMS Action Account
    RAMS Action with Offset
    RAMS Full Feature Home Loan
    RAMS Line of credit
    RAMS Self-employed home loan
    RAMS Self-employed line of credit


  • What is different about a RAMS debit card with eftpos Tap & Pay?
  • RAMS debit cards with eftpos Tap & Pay come with added chip security that allows you to use contactless technology for everyday purchases. Customers can also withdraw cash at selected Point of Sale (POS) terminals by tapping their card and entering their PIN.


  • Is there a limit on the value of goods I can purchase with my RAMS debit card?
  • You can use eftpos Tap & Pay without entering your PIN for all of your everyday purchases under $100. For everyday purchases of $100 or more you can still use your eftpos card, just tap and enter your PIN to authorise the transaction.


  • Can I still get cash out at the checkouts using my RAMS debit card?
  • Yes, you can still get cash out at point of sale terminals by simply tapping your card and entering your PIN. For transactions involving cash out, you will need to enter your PIN in all instances including for transactions under $100.


  • Do I need to select the CHQ or SAV buttons when I use eftpos Tap & Pay?
  • Contactless technology means you can now tap your card instead of swiping to access your CHQ or SAV account. While the network is getting ready to accept eftpos contactless transactions, you may on occasion need to swipe or dock your card and press CHQ or SAV. Just follow the terminal screen prompts to complete your purchase.


  • Is it safe to use the RAMS debit card and the contactless technology?
  • Your RAMS debit card is a safe and secure way to shop, every single day.

    To make purchases, hold your card over the contactless terminal until the transaction is accepted. The merchant must have already entered the transaction amount into the terminal and it must be approved. So, you won’t be billed twice if you accidently hold your card against the terminal more than once.

    You won’t be liable for any unauthorised transactions, provided you notify RAMS within the specified time frame in accordance with the RAMS Debit Card Conditions of Use, if your card is lost or stolen or your PIN is compromised and there is no evidence of cardholder negligence, fraud or collusion.

    You can further protect your money by setting daily withdrawal limits and monitoring your statements.


Zero liability

You won’t be liable for any unauthorised transactions, provided you notify RAMS within the specified time frame in accordance with the RAMS Debit Card Conditions of Use, if your card is lost or stolen or your PIN is compromised and there is no evidence of cardholder negligence.

Added protection

Protect your money with daily withdrawal limits and monitor your statements.

No accidents

To make purchases, hold your card over the contactless terminal until the transaction is accepted. The merchant must have already entered the transaction amount into the terminal and it must be approved. So, you won’t be billed twice if you accidently hold your card against the terminal more than once.

Order a new card

Replace your old debit card with eftpos Tap & Pay by logging into myRAMS. Simply, navigate to Order a card and complete the form.

Login to myRAMS

New account

Open a new RAMS Action with Offset by logging into myRAMS. Simply, navigate to RAMS Action with Offset and complete the form.

Login to myRAMS

New to RAMS

Open a new RAMS Action account and complete the form to get your new RAMS debit card.

Open a RAMS Action

If you have any other questions you can call us on 13 RAMS, that's 13 7267.