Humm is a payment service that allows you to buy now and pay later in interest-free instalments. You can use the app to shop online or in-store, and choose humm as your payment option at the checkout. The app also allows you to review your transactions and payments. Repayments are automatically deducted from your chosen account. Additionally, humm offers a contactless payment feature called humm//TAPP, which allows you to make secure payments in-store by adding it to Google Pay through the humm app.

To be approved for humm, you need to meet certain criteria. You must be 18 years or older, have a permanent job of 20+ hours per week or be on an aged or veteran's pension, meet their credit assessment criteria, be a permanent resident in Australia, and have a valid mobile number.

It's important to note that while the humm app is free to use, you will need an internet connection and normal data charges may apply. Downloading and using the app is subject to humm's Terms of Use.