Unable to use dual-network debit cards with Apple Pay in Australia

It is a software change (not hardware) and unfortunately you can’t get it back once you lose it. The RBA mandated a change to digital wallets that removed the choice from the customer and gave it to the merchant. This applies from iOS18 for any one who adds a new card or deletes and re-adds a card. If you don’t do this you still have the network choice option.

Basically dual network cards seem to load correctly in the wallet but are not working as the merchant terminal can only see the default card (usually credit). It does not recognise the second network (eftpos). It is not clear whether the problem lies with Apple or the banks.

Please keep hassling your bank. Their front line staff are generally unaware of what is going on and you need to push for them to take it further. At the moment they are trying to blame the merchant but it affects them just as much as it affects us (the customer).

Apple are aware of the issue but the more people that can log the problem with them the better the chance of getting it fixed. You need to get past the first level call centre and through to a second level case manager. I have a document I can send to help them understand if you have any issues.