A digital wallet is a virtual representation of your debit or credit card(s), stored in an app on your mobile device. Digital wallets use tokenization, which replaces your physical payment card account number (PAN) with a unique string of digital numbers, or token. Because tokenization replaces PAN numbers, sensitive account information is never shared. 

Open Bank offers Apple Pay®, Google Pay™, and Samsung Pay®. 

It is convenient, fast, and secure. You do not need to worry about having your physical card with you. Transactions made with a digital wallet are almost instant and you do not need to insert your card and wait for the transaction to process. 

Yes, digital wallets are a safe way to make payments. In fact, using a digital wallet is a safer way to pay when compared to using a traditional credit or debit card. You will be required to authenticate yourself before each transaction can be processed. Depending on your device type, the authentication step may be completed by using your fingerprint, facial recognition, passcode or a PIN. In addition, each transaction uses a unique encrypted number that is transmitted to the retailer instead of the actual card number, making it nearly impossible for fraudsters to steal your card information. 

Apple Pay® - uses a device-specific number and unique transaction code. Your card number is never stored on your device and is never shared with merchants. 

Google Pay™ - shares an encrypted number instead of your actual card number, so your details stay secure. 

Samsung Pay®- uses a unique randomized transaction code for every purchase. Your card information is encrypted in a separate and secure data vault. 

Learn More about compatible devices by clicking below for: 

• Apple Pay®- https://support.apple.com/en-us/HT208531 
• Google Pay™- https://support.google.com/pay#topic=7625138 
• Samsung Pay® - https://www.samsung.com/us/support/answer/ANS00045081/ 

The last four digits of your card number is displayed on the card image within the wallet for the purpose of helping you manage your card(s). 

Most devices have a digital wallet app preloaded, depending on the device you utilize. For iPhones, the app is called “Wallet” while on Samsung and Android devices the app is called Google Pay or Samsung Pay, respectively. If your device does not have the app, it can be downloaded from the appropriate app store for your device. 

Open Bank does not charge to use Apple Pay®, Google Pay™, and Samsung Pay®. Based on your wireless plan and mobile carrier’s offering, message and data charges may apply. 

All Open Bank debit and credit cards are compatible with Apple Pay®, Google Pay™, and Samsung Pay®. 

Yes. There is no limit to the number of Open Bank debit or credit cards that can be loaded into your digital wallet. However, there may be a limit to the number of cards that your digital wallet allows. 

Yes, you can add your Open Bank card(s) to multiple digital wallets and/or devices. 

Yes, your physical card can still be used like it is today. 

Yes. If you changed your device, you need to re-register your card to the digital wallet, as if you were setting it up for the first time. 

Yes. Anytime the PAN, card information or expiration date is changed, you will need to re-register your card to the digital wallet. 

If your debit card is lost or stolen, please contact us at (213) 593-4895 during normal business hours, Monday to Friday, 9:00 AM to 5:00 PM (PST) or call (800) 417-8715 during non-business hours. You may also remove the card you added to the device within your digital wallet. 

In the event of a lost device, you may want to contact your service provider to suspend your service for that device. You can still make payments using your physical Open Bank debit card. However, if you would like to cancel your card and order a replacement card, please contact your nearest local branch. 

If you have any questions regarding your Open Bank debit card, please contact us at (213) 593-4895 during our normal business hours, 9:00 AM to 5:00 PM (PST).