I can’t toggle between Mastercard and eftpos savings in Apple wallet

Great detective work! After reading your post I started looking for an Apple Support article and what seems to back up your work.

>>When you make a transaction in-store, the merchant chooses whether the transaction made by a dual-network debit card will be processed through the eftpos network or the international network.<<

Use dual-network debit cards with Apple Pay in Australia - Apple Support

The article is dated September 19, 2024.

There are multiple posts and threads on this topic. Many community members have posted on this. The following is from a recently updated Apple Support article on the subject that may help.

>>When you make a transaction in-store, the merchant chooses whether the transaction made by a dual-network debit card will be processed through the eftpos network or the international network.

Dual-network debit cards aren't available from all banks. Contact your bank for more information.<<

Use dual-network debit cards with Apple Pay in Australia - Apple Support

Contact Apple for support and service - Apple Support

This is due to the RBA in Australia

After upgrading to iOS 18, users can no longer choose the payment network (Visa or eftpos) for in-store transactions with Apple Pay. Instead, the merchant will decide which network to use. This is due to recent changes from the RBA, and is known as Merchant Routing or least-cost routing. 

Here are some things to know about Merchant Routing:

• The merchant may choose to use the network that costs them the least to accept. 
• 
  
• The account the funds are pulled from is not affected. 
• 
  
• The different networks offer similar protections to the cardholder. 
• 
  
• To reduce fees, users can insert their physical card at the terminal. 
• 
  

Users can still provision dual-network debit cards to Apple Pay, which support both the eftpos network and Visa/Mastercard network. 

[Edited by Moderator]

Sorry, I’ve researched this a bit but cannot help further. My country (U.S.) does not use this system and I found limited but insufficient information.

Perhaps someone else can help. Good luck.

Updated iOS versions typically bring updated security and safety requirements. When did your bank last update its mobile app?

Are you using iOS 18.0.1 or which version exactly.

I did some research and banks are saying that you need remove the card and re-add the card manually using the physical card, which I have tested with anz and it is not working for me, can some test with CBA or other banks to see if it worked

RBA is saying when you add the card it asks for a token form EFTPOS SAV and VISA and both network need to respond I think EFTPOS is not responding or it as been blocked not sure tho

https://www.rba.gov.au/publications/consultations/201612-dual-network-cards-and-mobile-wallet-technology/mobile-wallet-technology.html

[Edited by Moderator]

As I get more feedback on this issue, virtually everyone I speak with thinks it’s a merchant or credit card issue.

Why do you think it’s the update and not the merchant?

Zemson wrote:

it’s the only bank card I have so it is my default

Then what you might be attempting to toggle?

I admit I don’t know what “eftpos savings” means. I assumed, perhaps incorrectly, that it is some type of credit/debit method already in your Wallet.

I know “EFT” means Electronic Funds Transfer, and “POS” means Point of Sale, but surely that knowledge is irrelevant here.

Same. I only got my 16 last Thursday. Prior to that my 14 Pro Max was running iOS 18 and that toggle was still showing. Only now on the 16 Pro Max is it not showing. All bank apps and iOS is latest software. Happened to all my banks that used to have the option of Visa/Mastercard Debit/eftpos SAV.

I am having the same issue after upgrading to iOS 18 on iPhone 12 Pro Max, was working fine on iOS 16.x. It seems like to only happen on card which ware re added on iOS 18, card that was there before seems to still have it.

it seems like when you update to iOS 18 the card that where already there before 18 still have the eftpos SAV option but if the card was re added after updating to iOS 18 it drops it. However you can see the eftpos SAV in settings

Just an updated I tried to add the same ANZ card to an iPhone 15 running iOS 17 and it still shows both options Visa and EFTPOS SAV but does not show for iOS 18 seems like Apple might have removed this

someone finally found the answer.

First day when Iphone 16 was released i got it and i set my apple wallet up, immediately i notice that options were gone. I spent like almost 3 hours calling apple tech support and my bank. They all sort of like shifting responsibility for each other, which made me so mad about wasting 3 hours for not getting answer! until today I finally decided to google again! now everything explained.

Even on apple FAQ it did show this as well, but they didn’t mention about options are missing, they only said how to know if we have dual network.

So from there I was sort of like, now the decision is entirely on merchant.

BUT most of the merchant they don’t use eftpos anymore, every single transaction always go through Master/Visa which incur extra fees which is annoying.

Like when i pay for my parking, before when i was able to choose eftpos there is no Fee, now i cant select the eftpos option anymore so when i tap it always go through Master card network and has additional fee.