See All FAQs

How secure is an Apple Pay transaction?

Security and privacy are at the core of Apple Pay. Apple uses security features built-in to the hardware and software of your device to help protect your transactions.


Apple doesn't store or have access to your full card details, and these are never stored on your device or shared with merchants when you use Apple Pay.


Merchants are only provided with your Device Account Number. Each transaction is authorised by your Face ID, Touch ID or the device passcode and a confirmation is displayed in the Wallet.


This shows the merchant name, where and when the transaction occurred and the amount of the payment or refund.


If you misplace your device you can use Apple's ‘Find My' app service to remotely lock your device or permanently erase the data on your device, including your card details to prevent further Apple Pay transactions being processed.


Subject to the SpendOne and SaveOne accounts Terms and Conditions, you are covered for fraudulent and unauthorised transactions made with your SocietyOne card on Apple Pay.


More information on Apple Pay security and privacy: https://support.apple.com/en-au/HT203027


Link (Terms and conditions):

https://www.westpac.com.au/content/dam/public/global/documents/banking-as-a-service/societyone/spendone-apple-pay-terms.pdf

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Information about SocietyOne borrowing rates

The rate advertised above is a comparison rate for a secured personal loan to a Tier 1 borrower. Annual percentage rates range from 8.20% (8.27% p.a. comparison rate) to 24.89% (25.64% p.a. comparison rate). See our Rates and Fees for more information on borrowing rates. An establishment fee applies for most borrowers. Secured personal loan example: for a borrower with excellent credit (Tier 1 borrower), a personal loan of $10,000 over a 3 year loan term, with an interest rate of 8.20% p.a. (comparison rate 8.54% p.a.) and a $545 establishment fee, the monthly repayment would be $314 and the total cost over the life of the loan (including the establishment fee) would be $11,314. SocietyOne personal loans are available for terms of 2, 3, and 5 years. Minimum loan term repayment period is 2 years, maximum loan term repayment period is 5 years.

Information about comparison rates

Comparison rates are designed to allow borrowers to understand the true cost of the loan by taking into account fees and charges, the loan amount and the term of the loan. The SocietyOne comparison rate above is based on a secured fixed rate personal loan of $10,000 over 3 years. WARNING: Comparison rates are true only for the examples provided and may not include all fees and charges. Different terms, fees or loan amounts might result in a different comparison rate.

Information about bank comparison table

All rates in the bank comparison table are based on an unsecured fixed rate personal loan of $10,000 over 3 years. The SocietyOne rate is the lowest available rate for a borrower with excellent credit (Tier 1 borrower). See above for more information about SocietyOne borrowing rates. The comparison table does not take into account short term bank promotional rates.
Canstar 5-star Rating was awarded on 7th of November 2019 for the Unsecured Loan – Excellent Credit Product for the Unsecured Personal Loan profile.

SocietyOne Australia Pty Limited ACN 151 627 977 holds Australian credit licence no. 423660. Credit is subject to SocietyOne’s standard terms and conditions and lending criteria. Credit scores provided by Broker Services Pty Ltd ACN 609 495 409.

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