How to setup and use apple pay on your apple watch

Добавление карты на Apple Watch

Откройте приложение Apple Watch на iPhone.

Выберите «Мои часы» > «Wallet и Apple Pay».

Если у Вас есть карты на других устройствах Apple или карты, которые Вы недавно удалили, коснитесь «Добавить» рядом с нужной картой и введите код CVV.

Для любой другой карты коснитесь «Добавить карту», затем следуйте инструкциям на экране.

Эмитент карты может потребовать выполнения дополнительных действий для удостоверения Вашей личности.

Выбор карты, используемой по умолчанию

Откройте приложение Apple Watch на iPhone.

Коснитесь «Мои часы» > «Wallet и Apple Pay» > «Карта по умолчанию», затем выберите карту.

Изменение порядка платежных карт

Откройте приложение Wallet на Apple Watch, коснитесь и удерживайте карту, затем перетяните ее на новое место.

На управляемых Apple Watch можно коснуться и перетянуть как платежные карты, так и билеты.

Удаление карты из Apple Pay

Откройте приложение Wallet на Apple Watch.

Коснитесь карты, чтобы ее выбрать.

Прокрутите вниз и коснитесь «Удалить».

Также можно открыть приложение Apple Watch на iPhone, коснуться «Мои часы» > «Wallet и Apple Pay», коснуться карты и выбрать «Удалить эту карту».

Поиск номера учетной записи устройства для карты

Когда Вы совершаете оплату с помощью Apple Watch, вместе с оплатой продавцу отправляется учетный номер карты на устройстве. Чтобы найти четыре последние цифры этого номера, сделайте следующее:

Откройте приложение Wallet на Apple Watch.

Коснитесь карты, чтобы выбрать ее, затем коснитесь «Информация о карте».

Примечание. Если Вы выбираете карту Apple Card, для просмотра информации нужно ввести пароль Apple Watch.

Также можно открыть приложение Apple Watch на iPhone, коснуться «Мои часы» > «Wallet и Apple Pay», затем коснуться карты.

Как изменить параметры оплаты по умолчанию

Вы можете менять параметры совершения покупок в приложениях: карту по умолчанию, адрес доставки, адрес электронной почты, номер телефона.

Откройте приложение Apple Watch на iPhone.

Выберите «Мои часы» > «Wallet и Apple Pay» и прокрутите вниз до раздела «Параметры оплаты по умолчанию».

Коснитесь элемента, чтобы отредактировать его.

В случае потери или кражи Apple Watch

В случае потери или кражи Apple Watch Вы можете сделать следующее:

Перевести Apple Watch в режим пропажи, чтобы приостановить возможность оплаты с Apple Watch.

Войти в свою учетную запись на сайте appleid.apple.com со своим Apple ID и отключить возможность оплаты дебетовыми или кредитными картами в приложении Wallet.

Р разделе «Устройства» выберите устройство и нажмите «Удалить все» в блоке «Apple Pay».

To set up Apple Pay, add a credit, debit, or prepaid card to the Wallet app on your iPhone, Apple Watch, or other compatible device.

To use Apple Pay, you need:

• A compatible device 1 with the latest version of iOS or iPadOS, watchOS, or macOS.
• A supported card from a participating card issuer.
• An Apple ID signed in to iCloud 2 .

Learn if your country/region supports Apple Pay. To check if your card is compatible with Apple Pay, contact your card issuer.

How to add a card for Apple Pay on your iPhone

Add a new debit or credit card to the Wallet app, or add a card you previously used on a device associated with your Apple ID.

Add a new card on your iPhone

1. In the Wallet app, tap the Add button .
2. Tap Debit or Credit Card.
3. Tap Continue.
4. Follow the steps on the screen to add a new card. If prompted, choose your bank or card issuer from the list or find them using the search bar.
5. Verify your information with your bank or card issuer. They might ask you to provide additional information or to download an app before approving your card for use with Apple Pay.
6. If you have a paired Apple Watch, you have the option to also add the card to your watch.

Add a previous card on your iPhone

1. In the Wallet app, tap the Add button .
2. Tap Previous Cards to see cards that you previously added to the Wallet app.
3. Choose the card or cards that you want to add and tap Continue.
4. Follow the steps on the screen to add your card.
5. If necessary, verify your information with your bank or card issuer. They might ask you to provide additional information or to download an app before approving your card for use with Apple Pay.
6. If you have a paired Apple Watch, you have the option to also add the card to your watch.

Once you’ve added your card, you can start using Apple Pay.

To remove a card from the Previous Cards screen, tap Edit > Remove button > Delete. Then, tap Delete Card to confirm and remove the card from all your devices.

How to add a card for Apple Pay on your Apple Watch

You can add a new debit or credit card, or a card you previously used on a device associated with your Apple ID, directly on your Apple Watch. You can also add a card with the Apple Watch app on your paired iPhone.

Add a card for Apple Pay on your Apple Watch

1. On your Apple Watch, open the Wallet app.
2. Scroll down and tap Add Card.
3. Tap Debit or Credit Card to add a new card, or tap Previous Card to choose a card that you previously added to the Wallet app.
4. Tap Continue.
5. Follow the steps on the screen to enter your card information and add your card.
6. If necessary, verify your information with your bank or card issuer using the Apple Watch app on your paired iPhone. They might ask you to provide additional information or to download an app before approving your card for use with Apple Pay.

Apple Watches managed with Family Setup might not be able to add cards directly on the Apple Watch.

Add a card for Apple Pay with the Apple Watch app on your iPhone

1. On your paired iPhone, open the Apple Watch app.
2. In the My Watch tab, tap Wallet & Apple Pay.
3. Tap Add Card.
4. Tap Debit or Credit Card to add a new card, or tap Previous Card to choose a card that you previously added to the Wallet app.
5. Tap Continue.
6. Follow the steps on the screen to add your card.
7. If necessary, verify your information with the bank or card issuer. They might ask you to provide additional information or to download an app before approving your card for use with Apple Pay.

Once you’ve added your card, you can start using Apple Pay.

How to add a card for Apple Pay on your Mac or iPad

1. Open Wallet settings on your device.
   • On your Mac model with Touch ID, go to System Preferences > Wallet & Apple Pay.
   • On your iPad, go to Settings > Wallet & Apple Pay.
2. Tap Add Card. 3,4
3. Follow the steps on the screen to add a card.
4. Verify your information with your bank or card issuer. They might ask for more information.

Once you’ve added your card, you can start using Apple Pay.

On Mac models without built-in Touch ID, you can complete your purchase using Apple Pay on your compatible iPhone or Apple Watch: On your iPhone, go to Settings > Wallet & Apple Pay and turn on Allow Payments on Mac.

1. Make sure that you sign in to iCloud on all your devices. On your iOS device, you need to set up Face ID, Touch ID, or a passcode. On your Apple Watch, you need to set up a passcode. If you sign out of iCloud or remove your passcode, all credit, debit, prepaid, transit, and student ID card will be removed from that device.
2. If you’re less than 13 years old, Apple Pay isn’t available and you can’t add a card in the Wallet app. Age varies by country or region.
3. In China mainland, you can use Apple Pay on the web in Safari only on compatible iPhone and iPad models using iOS 11.2 or later. In the Netherlands, you can use Apple Pay on the web only on a compatible iPhone or iPad.
4. In Italy, you can’t add Maestro cards to iPad or Mac. In Australia, you can’t add eftpos cards to your iPad or Mac. In the Netherlands, you can add Maestro cards to all compatible devices except Mac.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

Source: iMore

One of the easiest ways to use Apple Watch on the fly is from your Apple Watch. To add new debit or credit cards to your watch for this purchase, follow these instructions.

How to set up and add cards to Apple Pay for Apple Watch

To use Apple Pay and make a payment on Apple Watch, your bank needs to support the payment service. You can find the latest information on participating Apple Pay banks through the Apple support website. You can also follow the directions to add new cards to confirm whether your bank supports the protocol.

1. Open the Watch app on your iPhone.
2. Tap the My Watch tab.

Choose Wallet & Apple Pay.

Source: iMore

Choose Credit or Debit Card under Payment.

Source: iMore

Select Confirm to confirm the terms and conditions for your bank.

Source: iMore

Your bank card is now available with Apple Pay on Apple Watch. Depending on your bank, you might receive confirmation through text, email, or a letter in the mail. Repeat steps 3 through 11 to add another card.

Note: Adding a card for Apple Pay for Apple Watch does not add it for use on your iPhone. You’ll need to add it to your phone separately.

How to use Apple Pay on Apple Watch

To make a payment with Apple Pay with your Apple Watch with your default card:

1. To use your default card, double-click the side button and hold the display of your Apple Watch within a few centimeters of the contactless reader.
2. Wait until you feel a gentle tap to confirm your payment. Push the Digital Crown to go back to your watch face.

To use a different card to make a purchase:

1. Double-click the side button on your Apple Watch.
2. Swipe left or right to choose the card you’d like to use. Once this card is on the watch face, hold your watch near the reader to pay.

Wait until you feel a gentle tap to confirm your payment. Push the Digital Crown to go back to your watch face.

Source: iMore

Looking to add some style?

If you recently purchased a new Apple Watch Series 6, you might want to consider buying a new Watch band. Our favorites come in various styles and price points.

Questions?

For more information on Apple Watch, be sure to see our ultimate guide about the wearable device. If you have any additional questions, let us know below.

We may earn a commission for purchases using our links. Learn more.

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Here are the Apple Watch bands you need for your new Apple Watch

You love your Apple Watch, and so do we. It’s more than just a fitness and communication device. It’s also a fashion statement. You need bands to match your style.

Apple Watch allows you to do many things without having to take out your iPhone — like peeking at notifications, sending quick text responses, and dismissing iPhone alarms — and using Apple Pay is another example.

First, you’ll have to set up Apple Pay on your iPhone with a debit or credit card, and then you’ll be able to use it for supported purchases directly on your Apple Watch.

Here’s how to do it.

Check out the products mentioned in this article:

Apple Watch Series 5 (From $399.99 at Best Buy)

iPhone 11 (From $699.99 at Best Buy)

How to set up Apple Pay on the Watch app for iPhone

You can add credit, debit, and prepaid cards to your Apple Watch in the Watch app on your iPhone.

1. Open the Watch app for iPhone. Go to the My Watch tab.

2. Tap “Wallet & Apple Pay .”

3. Tap Add Card, then Continue.

4. For cards that have already been added to your iPhone, you’ll be prompted to enter the card’s security code to add it to your Apple Watch. For completely new cards, you can enter the information by positioning your card inside a square on the screen and taking a picture, or by manually entering in your card information (name, card number, expiration date, security code).

5. After entering your card information, you’ll be brought to a Terms and Conditions page. Review this page, then tap Agree to continue the setup process.

6. As your card is set up for Apple Pay, “Your bank or card issuer will verify your information and decide if you can use your card with Apple Pay,” according to Apple. “If your bank or issuer needs more information to verify your card, they’ll ask you for it.”

• In the case of my Capital One card, it required a verification code that was sent to my iPhone. As I was using the iPhone that the code was sent to via text message, it was automatically entered and completed the setup process.

7. Once you’ve successfully added a card to your Watch, you’ll see a confirmation screen and the card will appear under “Payment Cards On Your Watch.”

How to use Apple Pay on your Apple Watch

Once you’ve added cards to your Apple Watch, you can use Apple Pay in a variety of ways.

1. When you’re ready to pay at a store that accepts Apple Pay (indicated by these symbols), press the side button twice. This will pull up your default card.

2. Hold your Apple Watch near the contactless reader, within a few centimeters, until you feel a soft tap.

3. Apple notes that “Depending on the store and transaction amount, you might need to sign a receipt or enter your PIN.”

4. To pay with a different card, swipe left or right until you reach the card you’d like to use. Hold the Watch near the contactless reader.

5. To change your default card, go to the Wallet & Apple Pay page of the Watch app for iPhone and scroll to the Transaction Defaults section. Tap Default Card, then select a new default card. You can also enter a default shipping address, email, and phone number for autofill purposes in future transactions.

How to check your Apple Pay transaction history

1. Open the Watch app for iPhone. Go to the My Watch tab, then tap Wallet & Apple Pay.

2. Tap on the card you’d like to see transactions for, then tap Transactions.

3. Make sure Transaction History is turned on. You’ll see a list of latest transactions here.

4. Note that the amounts you see may be initial authorization amounts, which may differ from the final transaction amount. To see final transaction amounts, check your credit or debit card statement.

• In this article…
• 1. How to set up Apple Pay on your Apple Watch using an iPhone
• 2. How to make a payment using your Apple Watch
• 3. You might like

Looking to use you shiny new Apple Watch to pay for stuff, but not sure how to setup Apple Pay? Then you’re in the right place, as this handy guide will detail how to do just that using simple step-by-step instructions.

The ability to pay for things on our phones and wearables is a great move forward, especially during the Covid-19 pandemic, where contactless payments are more encouraged than ever.

The ability to use your Apple Watch to pay is also pretty handy, as it means you don’t have to worry about getting your phone out each time you go into a store.

Apple Watches also allow you to use Apple Pay if your phone isn’t nearby or has run out of juice, so you’ll never be left in the lurch when it comes to contactless payments.

Keep scrolling to find out how you can set up Apple Pay on your Apple Watch. And just so you know, here we’re using an Apple Watch Series 6 and an iPhone X, but you can set this up on any Apple Watch with any iPhone.

How to set up Apple Pay on your Apple Watch using an iPhone

1. Open the Watch app on your iPhone
2. Make sure you’re in the My Watch section (on the bottom left)
3. Click the Wallet and Apple Pay tab
4. If you already have a card set up on your iPhone, tap the Add button (if you haven’t set up Apple Pay, check out our article that shows you how)
5. Follow the on-screen instructions, including entering your card’s CVV
6. Accept the terms and conditions
7. Verify your card via text message or call

Looking at the photo above, the left is what it will look like before you’ve added a card. The right photo shows how your Wallet will look after adding a card; if you have multiple you can change your default card by clicking the Default Card tab.

How to make a payment using your Apple Watch

Making a payment using your Apple Watch is pretty simple, and looks very similar to making a payment using your iPhone.

1. Double click the side button on your Apple Watch
2. If you have more than one card set up, select the card you want to use
3. Hold your smartwatch next to a contactless card reader

Add your eligible CommBank personal or business card to Apple Pay. It’s the fast, easier and safer way to make payments in-store, in apps, or on websites.

Fast, easy and secure

Protect yourself when you pay in-store

Tap and pay with Apple Pay using your iPhone or Apple Watch anywhere you see the contactless symbol – here and overseas.

If you tap in-store, on most terminals you won’t have to touch a shared PIN pad – no matter how much you spend.

Pay in apps and on websites

Apple Pay is the easier, faster way to pay in apps and on the web. Forget filling out lengthy forms – simply select ‘Apple Pay’ at checkout and confirm with Face ID, Touch ID or passcode. Pay for a hotel room, a pizza delivery, or a new pair of shoes. Checking out is fast, simple and secure.

Easy set-up, secure transactions

Simply add your CommBank debit or credit card 1 to your compatible 2 Apple device to get started.

Every Apple Pay transaction is authenticated with Face ID, Touch ID or Passcode, so it’s always secure.

What you need

• Make sure you have a compatible device and an Apple ID signed into iCloud
• An eligible CommBank card. 1Haven’t got an eligible card?
• If you don’t bank with us, open an Everyday Smart Access Account (it comes with a Debit Mastercard you can add to Apple Pay), or a Business Transaction Account, or apply for a CommBank credit card
• Make sure an up-to-date mobile number is linked to your CommBank account – here’s how

Get started

Get started with Apple Pay for your iPhone

From the CommBank app

1. Open the CommBank app and select ‘Cards’ from the home screen
2. Swipe to the card you wish to set up, select ’Add to Apple Wallet’ and follow the prompts to complete the process

From the Wallet app

1. Open the Wallet app and tap the + sign in the upper right-hand corner
2. Follow the prompts to add a new card – then verify yourself (either using the code we send via SMS, or by tapping the link to verify in the CommBank app)

You can set your CommBank card as your default card – simply open the Wallet app, tap and drag your CommBank card to the front of the stack, and release. You can add up to 12 cards to Apple Pay on your iPhone.

Get started with Apple Pay for your Apple Watch

Your Apple Watch will need to be paired with your iPhone before you can add your card to Apple Pay.

Setting up your card from the CommBank app

1. Open the CommBank app and select ‘Cards’ from the home screen
2. Swipe to the card you wish to set up, select ‘Add to Apple Wallet’ and follow the prompts to complete the process

Setting up your card from the Apple Watch app

1. Open the Apple Watch app on your iPhone and tap ‘Wallet & Apple Pay’
2. Follow the prompts to add a new card – then verify yourself (either using the code we send via SMS, or by tapping the link to verify in the CommBank app)

You can set your CommBank card as your default card – simply open the Watch app on your iPhone, go to the ‘My Watch’ tab, tap ‘Wallet & Apple Pay’, then ‘Default Card’, and choose your CommBank card. You can add up to 8 cards on your Apple Watch.

Paying with Apple Pay

In-store

• iPhone with Face ID – Double-click the side button and glance at your screen. Then hold your iPhone to the contactless terminal.

• iPhone with Touch ID – Hold your iPhone near the contactless terminal. Then place your finger on Touch ID.

• Apple Watch – Double-click the side button, then hold your Apple Watch up to the contactless terminal.

Find out how to use Apple Pay on other devices, e.g. MacBook.

In apps and on websites

To pay in apps and on websites in Safari, select Apple Pay at checkout and complete the payment using Face ID or Touch ID.

Simple set up. And it’s secure.

Your CommBank card number isn’t stored on your device or on Apple servers. And it’s never shared with the person or merchant you’re paying.

This means your card and personal info always remains private.

Protecting your details. Every time.

Apple Pay is secure

Every Apple Pay transaction is authenticated with Face ID or Touch ID – all unique to you (for purchases over $100 you may need to enter your card PIN at the terminal).

Keeping your money safe

However you choose to pay, we take fraud protection very seriously. We look for any unusual activity and take steps to protect your account.

You can see your Apple Pay transactions in the CommBank app, and the last 10 transactions made on the device in the Apple Wallet app.

Support

Stay on track of your spending

We can help

Your questions answered

Contact us

Visit your nearest branch

Things you should know

1 You can add your CommBank Debit Mastercard, CommBank World Debit Mastercard™, personal and business credit cards, and Visa Business Debit card. If you are an additional cardholder, you may add your eligible Commonwealth Bank credit card to Apple Pay provided it is Mastercard branded. Visa credit cards issued to additional cardholders may be eligible for Apple Pay, however, a transaction limit of $100 will apply.

Some CommBank cards are ineligible including Keycard, Travel Money Card, Mastercard Business Debit Card, Corporate Card.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPhone, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.

As this information has been prepared without considering your objectives, financial situation or needs, you should, before acting on this information, consider its appropriateness to your circumstances.

Please view our Financial Services Guide (PDF). Full terms and conditions for the transaction and savings accounts (PDF) mentioned and Electronic Banking (PDF) are available here or from any branch of the Commonwealth Bank.

Credit Card applications are subject to credit approval. Full conditions will be included in our Letter of Offer. Fees and charges apply.

Commonwealth Bank of Australia ABN 48 123 123 124. AFSL and Australian credit licence 234945.

The iPhone isn’t the only mobile device that can act as your wallet with Apple Pay. The new Apple Watch is also capable of making mobile payments. Here’s what you need to know.

The Apple Watch can do a lot of things. It can be used to communicate with others, view notifications from your smartphone, and even pay for items. That’s right: you can use Apple Pay on the Apple Watch. It’s relatively easy to set up, but the method is slightly different than what you may be used to with your iPhone. CNET’s Scott Stein showed us how it’s done, and it’s pretty straightforward.

Adding a credit or debit card

Open the Apple Watch app on your iPhone, click Passbook & Apple Pay, and add a new credit or debit card. You can choose to use a card that’s already on file with iTunes or scan in a new one. Either way, it’s a separate authorization process than Apple Pay on your phone: each credit card gets a separate Apple Pay number that can be cancelled independently of your phone.

All you have to do is agree to Apple’s terms of use, click Next, and verify the card with a text message that is sent to your iPhone, or with a phone call; your credit card or bank will offer various options for additional authorization.

The first card you enter will be set as the default. However, this can be changed to a different card from within the app. If you have multiple cards stored on your Watch, you will be able to choose the card you would like to use prior to payment, much like on the iPhone. To delete a card, tap it and select remove within the iPhone’s Apple Watch app settings.

Using Apple Pay

Apple Pay on the Watch is incredibly simple to use. All you have to do is double-tap the side button, select the credit or debit card you would like to use, and hold the face of the watch to the payment terminal. The watch will vibrate, and a check mark will appear on the screen to confirm the payment has gone through. It’s as easy as that. You don’t need additional passwords or Touch ID. The watch asks for a password when it’s taken off your wrist, but as long as it stays attached, you can make payments with that double-click.

If you ever lost your watch, you can de-authorize Apple Pay for that device remotely through iCloud or on your iPhone, and the watch will no longer be able to buy anything. Since the virtual credit card number is de-authorized, the Apple Watch can even be offline and still be cut off from making payments. Obviously, if this were to happen to you, we’d still advise keeping an eye on your credit card statements to be safe.

Speaking of which, one of the best parts about Apple Pay on the Watch is that it’s completely standalone and can still be used when the watch isn’t connected to an iPhone. To learn more about what the Apple Watch can do without an iPhone connection, check out this article from Scott Stein and be sure to read CNET’s full review .

Simplicity

Easier and faster than cash or cards—so you can spend less time at the register.

Security

Apple Pay never shares your actual card number when you check out.

Convenience

Pay in stores, in apps and online with your iPhone, iPad and Mac or Apple Watch.

Setting up and Using Apple Pay

Make sure you have the most up-to-date version of the Capital One Mobile app installed on your iOS device, then text APPLEPAY to 80101. Message and data rates may apply.

Setting up your card

Follow the instructions on your device to add your Capital One card to your Apple Walletв„ў and set it as your default card.

Using Apple Pay

Once your card is added, you can use Apple Pay on your iPhone to pay in stores, in apps, and online anywhere you see the Apple Pay or contactless symbols.

Frequently Asked Questions

Using Apple Pay is simple, and it works with most devices you use every day. Your actual card number is protected with it because it’s not stored on your device or shared with merchants when you pay.

• Pay in stores: To pay with Face ID, double-click the side button, glance at your screen, then hold the iPhone near the reader. For Touch ID, hold your iPhone near the reader with your finger on Touch ID. On the Apple Watch, double-click the side button and hold the watch up to the reader.
• Pay in apps and on websites: To pay in apps and on websites in Safari on your iPhone and iPad, select Apple Pay at checkout and complete payment using Face ID or Touch ID. To pay on websites in Safari on your Mac, select Apple Pay and complete the payment using your iPhone or Apple Watch. On MacBook Pro, pay using Touch ID on the Touch Bar.

Apple Pay is currently available for most Capital One credit and debit cards. It is not available for all of our partner cards.

Apple Pay is an easy, safe way to pay in stores, in apps, and on the web with your iPhone, Apple Watch, iPad, and Mac. You can use Apple Pay wherever you see the Apple Pay or contactless symbols.

Within apps and on the web in Safari, look for the “Buy with Apple Pay” button or Apple Pay as a payment method.

When you make a purchase, Apple Pay uses a device-specific number and a unique transaction code. Your full card information is never shared when completing transactions and is protected by the privacy passcodes in place for all of your devices’ payment methods.

Making everyday payments easier.

Good to know

Now you can get the best of both worlds with ING and Apple Pay. It’s the easy, secure and private way to pay – no card details exchanged at the point of sale.

Setting yourself up

To set up, you need the latest version of the ING app and you must add your ING card number to the Wallet app.

iPhone

Apple Watch

iPhone

Add your card to Apple Pay in four simple steps.

1. Log in to the ING app
2. Select your Orange Everyday or Orange One account
3. From the drop down menu, select ‘Add to Apple Wallet’
4. Follow the set-up instructions

Or set up using Apple wallet:

1. On iPhone, open the Wallet app
2. Tap the “+” sign in the upper-right corner
3. Follow the set-up instructions

Apple Watch

Add your card to Apple Pay in four simple steps.

1. Open the Apple Watch app on your iPhone
2. Select ‘Wallet & Apple Pay’
3. Then ‘Add Credit or Debit Card’
4. And follow the set-up instructions

How to pay

Use Apple Pay anywhere you can tap and pay.

How to pay

Use Apple Pay anywhere you can tap and pay.

In stores

Double-click the side button on your Apple Watch and hold its display to the reader. Your Apple Watch will gentle tap and beep once your payment info is sent.

Apps and websites

Select Apple Pay as the payment method at checkout and complete the payment using Face ID or Touch ID.

Select Apple Pay as the payment method at checkout then complete the purchase with your iPhone or Apple Watch using Touch ID.*

Frequently asked questions

• Home
• Getting started
• FAQs

ING is a business name of ING Bank (Australia) Limited ABN 24 000 893 292 AFSL 229823, Australian Credit Licence 229823.

One of the best features of the Apple Watch is Apple Pay. It enables you to make contactless payments straight from the wrist quickly and securely.

More places are now taking contactless, from public transport networks to shops and bars. It’s pretty much standard across Europe and the US is widespread too.

It’s one of the key benefits of the Apple Watch, and a tangible wearable tech feature that everyone can use and enjoy. And as a result, it’s no surprise that we’ve seen equivalents from Google, Fitbit and Garmin all develop and take shape over the course of the past year.

But how do you set up Apple Pay, and where on Earth can you pay with it?

Well, fear not. If you want to know which stores will let you tap and pay with your watch, as well as the restrictions in your territory, read on below.

How to set up Apple Pay on Apple Watch

If you’re an Apple Watch and iPhone user, it may surprise you to know that the two devices work independently of each other, when it comes to Apple Pay.

Despite the symbiotic nature of the two devices, they use individual and unlinked Passbook apps, which means you can use two separate cards. It also means you can pay for stuff without your iPhone present, which is great news if you’re out for a run, or nipping to the shop for some milk.

The process is exactly the same. On the Apple Watch app (on your iPhone) you need to fire up the Wallet & Apple Pay app. You can then choose to Add Credit or Debit card. If you want to set up on your iPhone, you do this through the Wallet app on your handset.

If you haven’t set up a passcode on the Apple Watch, you will be prompted to do this. Apple Pay won’t work without it, so that would-be thieves can’t make payments from your smartwatch.

Once that’s all set up, the process is fairly straightforward. You scan your card using your phone’s camera, then update any missing information.

Once you finish, you’ll be sent an email or SMS with a verification code – which you need to enter into the phone app. Once verified, a confirmation that you’re ready to go will pop up on the Apple Watch.

How do I use Apple Pay on Apple Watch?

Now you’re all set up, it’s time to start splashing the cash from the wrist.

On the Apple Watch, just approach the contactless receiver – be it at a store front counter or a London Underground barrier – and tap the side button.

A picture of your card will appear, and it’s ready to go. Just hold your Apple Watch to the card reader and you should hear a tone (or feel a vibration) and receive a tick on the watch face instantly.

For iPhone users, the NFC chip should fire up the Passbook app when it’s close to the contactless reader. The difference here, though, is that you’ll first need to verify things through Touch ID or Face ID – on the Watch, you’re verified simply by having the device on the wrist after entering your PIN.

Where can I use my Apple Watch to pay?

In terms of territories, Apple Pay is now available in 30 countries, including Australia, Canada, China, France, Hong Kong, Japan, New Zealand, Russia, Singapore, Switzerland, UK, Ireland and the USA. Even the Vatican City is now involved, meaning the Pope himself can harness the power of contactless wrist payment.

And countries such as Germany, Belgium and Saudi Arabia are expected to receive the feature before the end of the year, after Brazil, Poland, Ukraine and Norway were recently added to the list.

There’s a solid infrastructure in place, too. Take the UK as an example, where more than 250,000 card machines are capable of NFC transactions. As Apple Pay on Apple Watch uses that existing system, all merchants who’ve already got one installed should already find that people can tap and pay with their smartwatch.

So, the bottom line: expect to be able to do it wherever you normally might be able to with a credit or debit card.

How much can I spend?

In the US, the contactless payment limit is usually set to $25, though this can vary depending on your bank. For example, Apple itself indicates that purchases of more than $50 may require a signature. The standard contactless limit with an NFC card is £30 in the UK, but it’s widely known that half of terminals in the country support transactions of any amount.

Apple Pay through the Apple Watch involves that PIN authorisation when you first put the smartwatch on, and that added safety means that retailers are free to ditch the contactless limit should they wish to.

Boots in the UK, for example, confirmed early on that it will allow payments of any amount using your Apple Watch, and now Sainsbury’s, Waitrose, Pizza Express, Nando’s and more have followed. It will, however, require the merchants to upgrade from the standard NFC equipment which they already have installed, so don’t expect it from everyone.

For those outside the UK and US who need a little more info on just what limits are in store, check out Apple’s support page. Generally, though, the same rules apply – limits may exist to tolerate older NFC tech, but this should increasingly become less of a problem.

Apple Pay v Apple Pay Cash

So, what’s the difference here? Well, while we’ve gone into depth elsewhere about how to use Apple Pay Cash, it’s worth pointing out the difference it holds to Pay here, as well.

Essentially, while Apple Pay is the Cupertino company’s platform for contactless payments, allowing you to digitise your wallet, Apple Pay Cash is its way of simplifying peer-to-peer payments. If you need to send your friend $10, for example, you can do this through iMessage by using Cash. Once you do, this will be represented in Wallet and free for the person to use instantly — forming the money into what’s basically a pre-paid debit card.

Apple’s two payment systems work concurrently with one another, and can both be used from the Apple Watch or your iPhone.

Apple Pay is one of the easiest and the safest way to make payments. If you are a proud owner of the Apple Watch, making payments right from your wrist is very much possible. You just need to add your card to Apple Watch and start making payments.

To make things easier for you, we have divided this guide into two parts: Adding a card to Apple Watch for using Apple Pay, and using Apple Pay from your Apple Watch to make payment. Just head south and follow instructions.

How to set up Apple Pay on Apple Watch

Step #1. Launch the Watch App on your iPhone and head over to My Watch tab.

Step #2. Now tap on Wallet & Apple Pay and then tap Add card under payment cards.

Step #3. Tap Continue. Now tap Enter Card Details Manually or use your iPhone to scan the details automatically.

Step #4. Enter your card’s Security Code and tap Next and then tap Add.

Step #5. Now tap on Confirm after reading and confirming terms and conditions from your bank.

Step #6. You need to pass the verification and to do that, tap on either Text Message, E-mail, or Call option.

Step #7. Tap Next and then enter the Verification Code that you received.

Step #8. Tap Next and then tap Done. If everything went fine, you’d see Card Activated screen.

That’s it. Your card is now successfully added, and you’ll receive a confirmation from your bank. Now let’s see how you can use this newly added card to make payments using Apple Pay from your Apple Watch.

How to use Apple Pay on Apple Watch

Using default card to make payment

Step #1. From few centimeters away from the contactless reader, click side-button twice on your Apple Watch and tap and hold the display.

Step #2. In a few seconds you’ll feel a gentle tap on your wrist; this is to confirm the payment. After you are done, press the Digital Crown to go back to the watch face.

Using the different card to make payment

Step #1. Same as using default card, few centimeters away from the contactless reader, click side-button twice on your Apple Watch and then tap and hold the display.

Step #2. Now you can swipe left or right to choose the card you wish to use. Hold the watch near reader after you select the card.

Step #3. Same like the above method, you’ll feel a gentle tap on your wrist. Press Digital Crown to get back to watch face.

Signing off

This guide should come in handy to get started with Apple Pay on Apple Watch. In case of queries, you can comment below.

Pay the simple way

Travelling light and want to stay contact-free? Try linking your eligible Westpac Mastercard ® debit or credit card or personal Handycard to Apple Pay.

Set up your digital wallet with a compatible iPhone, Apple Watch, Mac, or iPad in just a few steps.

Secure

Device-specific numbers and unique transaction codes help keep your card and personal details secure.

Contactless

Make payments for any amount in-store, in-app, and online using Face ID or Touch ID.

Where to pay

Use Apple Pay wherever you see one of these symbols.

In store

In apps and on the web

Setting up Apple Pay

Via Apple Wallet on your iPhone

• Open the Wallet app
• Tap + in the top right corner of your screen and follow the prompts

Via the Westpac App on your iPhone

• Sign into the Westpac App and search Apple Pay in the Smart Search bar
• Tap Add to Apple Pay, then swipe to select the card you want to add
• Tap Add to Apple Wallet and follow the prompts

For your Apple Watch

• Open the Apple Watch app on your iPhone
• Tap Wallet & Apple Pay
• Tap Add Card and follow the prompts

• Go to Settings
• Tap Wallet & Apple Pay, select Add Credit or Debit Card then follow the prompts

You can add a card to Apple Pay on a Mac model with Touch ID.

• Go to System Preferences
• Select Wallet & Apple Pay, then select Add card and follow the prompts

How to add a card

Using Apple Pay

• In-store
• In-app and online
• Your Mastercard debit card payment network

Check for the ‘tap to pay’ symbol on the card reader, then activate your Apple wallet:

• With Face ID on your iPhone: Double-press the side button, glance at your screen, then hold your iPhone near the card reader.
• With Touch ID on your iPhone: Put your iPhone close to the card reader, holding your finger on Touch ID.
• On your Apple Watch: Double-press the side button and hold your Apple Watch up to the card reader.

How to pay in-store using Touch ID

How to pay in-store with iPhone X­­

Shop in-app or on your Safari web browser and select Apple Pay at the checkout. To complete the payment:

• On your iPhone or iPad: Use Face ID or Touch ID
• On your MacBook: Use Touch ID on the Touch Bar
• On other compatible Macs: Use your iPhone or Apple Watch

Your eligible debit Mastercard will default to the Mastercard network for payments. To change the default network:

• On your iPhone: Open the Wallet app, tap on your card, tap the … button in the top right hand corner, then choose the payment network.
• On your Apple Watch: Double-press the side button and select your card, then firmly press the display and select the payment network.

If you’ve got an eligible Handycard eftpos card with one or multiple accounts, you can also use it on Apple Pay.

• Which Westpac cards are eligible?
• How do I add my card to Apple Pay?
• Can I add more than one card?
• How do I set a default card?
• How do I change my payment network from Mastercard ® to eftpos?
• Can I use Apple Pay to get cash out at a merchant / retailer or ATM?
• How secure is an Apple Pay transaction?
• Are there any additional fees and charges for adding my card to Apple Pay?

Not a customer?

Discover our products and solutions to use with Apple Pay.

Things you should know:

*Read the Apple Pay Terms and Conditions (PDF 79KB) before making a decision and consider if it is right for you. To use Apple Pay you will need an eligible card, and a compatible device with a supported operating system. See our Apple Pay FAQs for more information. Apple, the Apple logo, Apple Pay, Apple Watch and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

World Mastercard ® , Mastercard ® and the Mastercard Brand Mark are registered trademarks of, and PayPass™ is a trademark of, Mastercard International Incorporated.

• Feedback and complaints
• Contact us
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• Access and Inclusion
• Investor centre
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• Security
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• Privacy

• Website terms and conditions
• Disclosure documents
• Site index

Conditions, fees and charges apply. These may change or we may introduce new ones in the future. Full details are available on request. Lending criteria apply to approval of credit products. This information does not take your personal objectives, circumstances or needs into account. Consider its appropriateness to these factors before acting on it. Read the disclosure documents for your selected product or service, including the Terms and Conditions or Product Disclosure Statement, before deciding. Target Market Determinations for the products are available. Unless otherwise specified, the products and services described on this website are available only in Australia from © Westpac Banking Corporation ABN 33 007 457 141 AFSL and Australian credit licence 233714.

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Apple Pay Cash launched with last week’s release of iOS 11.2 for iPhone and iPad, and watchOS 4.2 for compatible Apple Watch devices. Check out this video to learn how to set up the feature on Apple Watch.

Upon installation of watchOS 4.2, users will see an Apple Pay Cash option within the Watch app’s Wallet settings on a paired iOS device. Simply switch the option to the on position and sign in with your Apple ID.

When the Apple Pay Cash prompt shows up, tap “Continue,” and iOS will automatically start setting it up. Once it’s complete, you will see your Apple Pay Cash card alongside any other cards connected to your Watch. Tap on the card to find more information and settings, including an option to verify your identity to make sure there are no issues sending cash through the service.

Your Apple Pay Cash card should now show up in your Apple Watch’s Wallet. From here, you can swipe up to view your card balance and double click to pay at any store that supports Apple Pay.

At the bottom of a conversation in Messages, you’ll see a new Apple Pay button. Tapping on it will allow you to adjust the payment amount. Tapping on the “Pay” buttong will trigger a prompt to double click the side button, which sends the payment. Processing should only take a few moments.

If the payment says “Pending,” it could mean that the other user hasn’t set up Apple Pay Cash on their device. In such cases, tap on the Apple Pay Cash image in a Messages thread, hit view payment information, and cancel the payment.

When it works correctly, you can tap on the Apple Pay Cash image to confirm that a payment is complete.

On the receiving end, the user should see a message confirming that the payment was sent. They can then tap on the icon within Messages to view payment information.

Friends might also request a payment from Messages, which can be authenticated and paid directly from Apple Watch. You can adjust the payment amount if you’d like, then double click to pay.

Finally, if you head into Wallet app, you can check the balance of your Apple Pay Cash Card.

Contact free payments made stress free

Apple Pay lets you make secure, contactless payments with Apple devices such as iPhone, Apple Watch, iPad and Mac both in-store and online.

Secure

Apple Pay utilises a security method called tokenization, this avoids the need to share a card number ensuring your card details are safe and secure.

Quick

In store Apple Pay is a quick and safe way to pay. Like contactless, it helps you avoid surfaces. All it takes is a glance or touch to verify transactions with FaceID or TouchID. If needed, your passcode can also be used.

Simple

If you haven’t used mobile pay before, don’t worry, you can use it anywhere you see the contactless symbol, paying for items in an instant.

What you’ll need to set up Apple Pay

To use Apple Pay in stores, within apps and on the web using Safari you will need to have a supported device. Here is a list from Apple.

Our NatWest mobile app is available to personal and business banking customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries.

The quickest way to set up Apple Pay is via our mobile app

Step 1

Step 2

Step 3

Step 4

Step 5

Another way you can set up Apple Pay is through Wallet

Follow our step by step guide to set up Apple Pay. For this guide you will need to use an iPhone 6 or above.

Step 1

On your iPhone open ‘Settings’ and select ‘Wallet & Apple Pay’. You will then be taken to the ‘Wallet & Apple pay’ settings screen.

Step 2

Tap ‘Add Card’ and choose either your ‘Debit’ or ‘Credit’ card depending on which card you would like to set up Apple Pay. On the next screen hit ‘Continue’.

Step 3

Next use your iPhone camera to capture your card details. If you prefer you can input your card number manually. Confirm your details and click ‘Next’.

Step 4

Enter your card’s expiry date and 3 digit code on the back of your card and hit ‘Next’. Review and if you are happy agree to the Terms and Conditions.

Step 5

Choose our mobile app to verify your card. Then tap ‘Verify’.

If you’re setting up your Credit Card with Apple Pay, our mobile app option is not available. However you can select the option to recieve the verification code via text message, this can also be done for your debit card if you wish.

Step 6

If verifying through the app, open and log in. Once the app has opened tap ‘Verify card’ and ‘Done’. If you have selected the text message option please enter the verification code sent. You will get a text confirming your card’s activated and then you are all set.

Learn more about Apple Pay

How does Apple Pay work?

Apple Pay retains all the benefits of using your debit or credit card, adding greater ease of payment and confidence of biometrics. It’s an easy, secure and private way to pay.

Apple Pay uses contactless technology to process payments instantly, with the reassurance of robust security features built into your device whether you’re using it in stores, in apps or on the web.

Apple Pay allows your NatWest debit and credit cards to be registered into the Wallet app on iPhone, iPad, Mac and Apple Watch.

In shops, it’s accepted wherever contactless payments are, plus you can make payments over the contactless limit (merchant limit applies). Your device doesn’t even need a mobile signal to make a transaction, it uses contactless technology to communicate directly with the payment terminal.

To use in apps or on the web, select Apple Pay at checkout and complete using Face ID or Touch ID. No need to create an account or fill out lengthy forms

Where can I get more support?

Apple have lots of helpful resources on their webpages, including demo videos to get you started and troubleshoot. Apple Pay support pages (opens in a new window)

Where can I use Apple Pay?

Use Apple Pay wherever you see the contactless or Apple Pay symbols.

You can use Apple Pay in store, in apps, on websites and even on Transport for London.

It is not necessary for the iPhone to have any mobile signal in order to make an Apple Pay transaction, the iPhone uses contactless technology to communicate directly with the payment terminal.

How secure is Apple Pay?

Apple Pay is a secure way to pay as every transaction on your iPhone or iPad requires you to authenticate with Face ID, Touch ID or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch.

When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. So your card number is never stored on your device or on Apple servers, and when you pay, your card numbers are never shared by Apple with merchants.

Paying in Stores – When you pay in stores, your card number and identity aren’t shared with the retailer, and your actual card numbers aren’t stored on your device or on Apple servers.

We take security very seriously and, provided you take appropriate care, we’ll offer you the same protection against fraud when you use Apple Pay, as we do for your NatWest debit and credit cards.

What if my Apple device is stolen?

With Apple Pay, you authorise each purchase with Face ID (opens in a new window), Touch ID, or your passcode. These features help prevent other people from using Apple Pay on your iPhone, iPad, Apple Watch, or Mac.

You can go to your Apple ID account page (opens in a new window) or use the Find My app (opens in a new window) (must be enabled before hand) on an iPhone or iPad to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call us to suspend or remove your cards from Apple Pay. Learn more about what to do if your iPhone is lost or stolen (opens in a new window).

Simple, fast, secure, and contactless. Here’s how to pay on the go with your Apple device.

• How to add a card
• Paying in stores
• FAQs

• How to add a card
• Paying in stores
• FAQs

Make the most of a great way to pay

Where to pay

Use Apple Pay wherever you see one of these symbols.

Tap to pay in-store

In-app and online

Setting up Apple Pay

• Open the Wallet app
• Tap the + sign in the top right corner of your screen

How to add your St.George card

• Logon to the St.George App, go to the Services menu and scroll down to My Cards
• Tap Add to Apple Wallet, then select the card you want to add
• Tap Add to Apple Wallet and follow the prompts

Open the Apple Watch app on your iPhone

• Tap Wallet & Apple Pay
• Tap Add Card and follow the prompts

• Go to Settings
• Tap Wallet & Apple Pay, select Add Credit or Debit Card then follow the prompts

You can add a card to Apple Pay on a Mac model with Touch ID.

• Go to System Preferences
• Select Wallet & Apple Pay, then select Add card and follow the prompts

Using Apple Pay

Check for the ‘tap to pay’ symbol on the card reader, then activate your Apple wallet:

• With Face ID on your iPhone: Double-press the side button, glance at your screen, then hold your iPhone near the card reader.
• With Touch ID on your iPhone: Put your iPhone close to the card reader, holding your finger on Touch ID.
• On your Apple Watch: Double-press the side button and hold your Apple Watch up to the card reader.

How to pay in-store using Touch ID

How to pay in-store with iPhone X­­

Shop in-app or on your Safari web browser and select Apple Pay at the checkout. To complete the payment:

• On your iPhone or iPad: Use Face ID or Touch ID
• On your MacBook: Use Touch ID on the Touch Bar
• On other compatible Macs: Use your iPhone or Apple Watch

Your eligible Visa debit card will default to the Visa network for payments. To change the default network:

• On your iPhone: Open the Wallet app, tap on your card, tap the … button in the top right hand corner, then choose the payment network
• On your Apple Watch: Double-press the side button and select your card, then firmly press the display and select the payment network

If you’ve got an eligible Freedom eftpos card with one or multiple accounts, you can also use it on Apple Pay.

St.George Credit Cards

St.George Gold Low Rate Visa
St.George Gold Advantage Visa
St.George Vertigo Platinum
St.George Vertigo Platinum Rainbow Visa
St.George Vertigo Classic Rainbow Visa
St.George Dragons Amplify
St.George Amplify Visa – GWS Giants
St.George Platinum Private Bank Visa
St.George Amplify Rewards
St.George Amplify Rewards – Qantas
St.George Visa
St.George No Annual Fee Visa
St.George Start Low Stay Low Visa
St.George Amplify Platinum Visa
St.George Amplify Signature Visa
St.George Vertigo Classic
St.George QLD Reds Amplify

St.George Debit Cards

St.George Visa Debit
St.George Visa Gold Debit
St.George Get Set Visa
St.George Freedom card

Yes, you can add multiple St.George eligible cards to Apple Pay on compatible devices and choose a default card. However, you must select the required card prior to making a purchase if more than one card is added.

The first card added to Apple Wallet is the default card. If you add more than one card, you can change the default card at any time, the process is slightly different for each device.

iPhone or iPad

• Go to Settings > Wallet & Apple Pay, scroll down to Transaction Defaults
• Tap Default Card and choose a new card

Apple Watch

• On the iPhone, open the Apple Watch app, and go to the My Watch tab.
• Scroll down and tap Wallet & Apple Pay >Default Card and choose a new card.

Mac with Touch ID

• Go to System Preferences > Wallet & Apple Pay.
• Choose a new card from the Default Card pop-up menu.

To change the default payment network to eftpos on your iPhone, open the Wallet app, tap on your St.George Visa debit card, tap the three dot icon and select eftpos SAV or eftpos CHQ from the Payment Option section.

To update the payment network on your Apple Watch, double-click the side button and select your St.George Visa debit card, then firmly press the display, then choose your preferred network.

Yes, some merchants/retailers have enabled this functionality and you will be able to get cash out using your debit card. Visa debit cardholders will need to ensure that the eftpos SAV or eftpos CHQ payment network is selected for the cash out transaction to be processed successfully. You will be required to enter your card PIN at some contactless terminals when getting cash out. Cash out at ATMS is not yet enabled.

Very Secure. 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 Touch ID, Face 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.

Now arriving in
New York.

Getting around NYC is easier and safer with Express Transit for Apple Pay. Just tap your iPhone or Apple Watch and ride, there’s no need to use Face ID, Touch ID, or touch a vending machine or card reader.

Ride the
buses and trains with пЈїPay.

Apple Pay is accepted on trains and buses throughout NYC, so you can get where you need to go faster with just your iPhone or Apple Watch.

How to ride the MTA
with Apple Pay.

Step 1

Use Apple Pay with your existing credit or debit card in the Wallet app.

Step 2

Make sure your preferred card is selected for Express Transit.

Step 3

Hold your iPhone or Apple Watch near the OMNY reader and go.

Take a

virtual
trip
with пЈїPay.

Open this page using Safari onВ yourВ iPhoneВ orВ iPad.

Make sure you’re on the latest version of iOS.

Using Express Transit with Apple Pay.

Express Transit is automatically enabled on your Apple device, so there’s no setup required.

If you prefer to use your physical MetroCard to pay your fare, you can easily turn off Express Transit.

1. Open Settings, scroll down, and tap Wallet & Apple Pay.
2. Tap Express Transit Card.
3. Tap None to disable Express Transit mode.

Travel around NYC. Faster.

Use Apple Pay with OMNY at all subway stations, buses, and the Staten Island Railway.

Your iPhone

Just tap and ride with Express Transit, no cards or tickets necessary. And there’s no need to open an app, or even wake or unlock your device.

Find it all in
Apple Wallet.

Keep your credit and debit cards, tickets, boarding passes, and more — all in one place.

Follow ScreenRant.com

Something New

Whether shopping online or in person at a store, the Apple Watch combined with Apple Pay is a convenient and easy way to pay for purchases.

Apple Pay is a convenient and quick way for to pay for goods and services, and the Apple Watch can make the entire process even quicker and easier. While the company’s wearables are known for their various health-related benefits and features, they are capable of doing so much more, including making mobile payments when shopping online or in person at a store.

Apple first announced its mobile payments solution back in late 2014. However, Apple Pay was somewhat limited in terms of store support at the time. That has changed over the years, with Apple Pay now widely available to use when shopping and even when traveling. The very first Apple Watch was announced at the same time as Apple Pay, and while the wearable has gained plenty of features since then, Apple’s smartwatches came with Apple Pay support since the very beginning.

Providing Apple Pay has already been set up on an iPhone, then actually using an Apple Watch to pay for goods and services is fairly easy to do. If using the default card, the wearer simply needs to double-click the side button on the smartwatch and position the Apple Watch near the contactless payment terminal. Ideally, the smartwatch display and the payment reader should be facing each other. Within a few seconds the user should feel a gentle tap (and possibly hear a beep) to confirm the connection was made and the payment was sent. The user is also likely to receive a notification in the Notification Center confirming the transaction successfully took place.

Additional Points To Note When Paying With Apple Watch

The instructions above represent the quickest and easiest way to use Apple Pay with an Apple Watch. However, there may be occasions when the process is slightly more involved. For example, Apple does explain that Watch wearers may occasionally need to enter a PIN or sign a receipt depending on the amount of the transaction and the requirements of the store. Likewise, if wanting to use a card other than the default one, the wearer will need to select the right card before making the payment. To change the card on an Apple Watch, simply double-click the side button, but this time scroll down and tap on the correct card before positioning the smartwatch close to the payment reader.

On occasions when the Apple Watch is being used to shop online, the user just needs to select the Apple Pay option in the app when checking out. Then just continue through the checkout process s normal by reviewing the order before double-clicking the Apple Watch’s side button to complete and pay. Whether shopping online or in person, the Apple Watch can take care of the entire transaction without the wearer having to even pull out an iPhone, let alone a physical wallet.

You can use Apple Pay wherever you see these symbols:

Paying in stores

On iPhone with Touch ID:

1. Rest your finger on Touch ID. If you don’t have Touch ID enabled, you can enter your passcode instead.
2. Hold your iPhone up to the contactless terminal.
3. Your iPhone will display Done to indicate the terminal has received your transaction. The terminal will then indicate if the transaction has been successful.
4. If you’re making a payment that’s more than $80*, you’ll be prompted to enter your PIN to complete the transaction.

*Due to COVID-19 (coronavirus), we have temporarily increased the contactless payment PIN limit to $200. This is to help reduce the risk of transmitting the virus as fewer people will need to touch the payment terminal.

On iPhone with Face ID:

1. Double click the side button.
2. Glance at your screen.
3. Hold your iPhone up to the contactless terminal.
4. Your iPhone will display Done to indicate the terminal has received your transaction. The terminal will then indicate if the transaction has been successful. (For some transactions over $80, you may be prompted to enter your card PIN to complete the transaction).

On Apple Watch:

1. Double-click the side button on your Apple Watch.
2. Your default card will appear. To pay with a different card, swipe left.
3. Hold your Apple Watch display to the contactless terminal.
4. Your Apple Watch will beep and display a tick to indicate the terminal has received your transaction. The terminal will then indicate if the transaction has been successful. (For some transactions over $80, you may be prompted to enter your card PIN to complete the transaction).

Paying in apps

You can use your iPhone, iPad, and Apple Watch to pay in apps.

1. Select Apple Pay as the payment method at checkout.
2. To confirm payment on iPhone and iPad, place your finger on Touch ID or enter your passcode. On Apple Watch, just double-click the side button.
3. Your device will display Done to indicate the terminal has received your transaction.

Paying on the web

You can use your iPhone, iPad, and MacBook Pro with Touch ID to pay on websites in Safari. Macs without Touch ID will require you to complete the purchase with your iPhone or Apple Watch.

1. Select Apple Pay as the payment method at checkout.
2. Your default card will appear. To pay with a different card, tap the > icon on your iPhone or iPad, or the Expand icon on your MacBook Pro.
3. To confirm payment on iPhone and iPad, place your finger on Touch ID or enter your passcode. On MacBook Pro, follow the prompts on the Touch Bar and place your finger on Touch ID to confirm. If Touch ID is off, tap the Apple Pay icon on the Touch Bar and follow the prompts. Your device will display Done to indicate the transaction has been successful.

Contact us

You can send us a secure message in Internet Banking.

BNZ Community

Check out BNZ community, a place where like-minded people can connect and talk about all things money related.

Enable Apple Pay on OP-mobile.

Apple Pay – a safer way to pay

Enable Apple Pay easily on OP-mobile

The easiest way to enable Apple Pay is to use OP-mobile, but you can also do it on Apple Wallet. Just add your card to Apple Wallet and start using Apple Pay right away.

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Add your card to Apple Wallet using OP-mobile

• Open OP-mobile and enter your Mobile key PIN to log in.
• Go to Money and select the card you want to add.
• Go to the card’s settings and choose “Add to Apple Wallet”
• Accept the terms of use and your payment card is added!

Alternatively, enable Apple Pay on Apple Wallet

• Open Apple Wallet.
• Tap + at the top right corner to add your card to the app.
• Scan your card and follow the instructions.
• Accept the terms of use. Then confirm adding the card on OP-mobile with your Mobile key PIN.

So that the card can be succesfully added, please check that you have the latest version of OP-mobile.

Add all your cards to Apple Wallet

You can add many payment cards to Apple Wallet. If you have a combination card, it’s a good idea to add both the credit and debit features. Whenever you pay, you will then be able to choose whether you want to use debit or credit.

When you pay with Apple Pay, you get the same benefits* as when you pay with your card in other ways. For example, as an owner-customer you get Product Protection Insurance for the purchases you pay with your combination card. *Note that with Apple Pay you can’t earn or use Plussa points, Plussa money or Plussa benefits related to purchases in the K Group.

Pay safely with Apple Pay in stores and online

You can use Apple Pay wherever you see one of these symbols. Apple Pay is accepted in many online stores too.

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Pay with Face ID

• Double-click the right-hand side button of your iPhone.
• To activate your payment card with your Face ID, glance at your iPhone or enter your passcode.
• Hold the top of your iPhone near the contactless reader until you see a checkmark and Done on the display.

Pay with Touch ID

• Activate Apple Wallet with Touch ID.
• Holding your finger on Touch ID, take the top of your iPhone near the contactless reader. The payment is completed when you see a checkmark and Done on the display.

Pay in stores with Apple Watch

• Take your watch near the contactless reader and double-click the side button of your watch.
• The payment is completed when you feel the watch’s tap on your wrist.

Apple Pay works with these OP payment cards

Debit / Basic / Electron

If you don’t yet have a Visa card from OP, you can apply for one online (in Finnish or Swedish).

Apple Pay now works with OP-Visa Business Card

OP-Visa Business Card can now be added to Apple Wallet. When adding the card, you need to use your personal customer’s user ID. To add the card, go to OP-mobile. Alternatively, go to Apple Wallet and then confirm adding on OP-mobile.

Note that Apple Pay can’t be enabled on OP Business mobile or with your corporate customer’s user ID. If your card has been granted only for making deposits and not for making payments, you can’t use Apple Pay with it.

Your details are secure

Your card details won’t be saved to the app or your device. Apple won’t have access to your payment card details and they won’t be given to merchants when you pay.

You will confirm each payment transaction with your device’s Face ID or Touch ID. It means that only you can pay with your card on Apple Pay. Because you won’t need your card’s PIN when you pay, no one will be able to steal a look at it. You can always be assured that you have your card with you on your device.

If you lose your phone, call immediately the Deactivation Service to deactivate your details. However, unauthorised persons won’t be able to see your card details or pay with your phone without identification which is only possible with your face or fingerprint.

If you lose your card, call immediately the Deactivation Service. If necessary, you can get a new card available on Apple Wallet right away so you don’t need to be without a card at all.

Add your eligible Bendigo Bank card today.

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About Apple Pay

Use your Apple device for easy, secure payments in store, in apps, and online from your Bendigo Bank debit or credit card.

• High security
• Super convenient
• Simple set up and use

Leave your bank card at home, Apple Pay is all you need.

Add your eligible Bendigo Bank card today. Learn more.

Don’t have an eligible Bendigo Bank card?

Apply now and start enjoying the use of Apple Pay.

Secure payments

Its more secure and private than your traditional bank card. Here’s how:

When you make a purchase, Apple Pay uses a device-specific number and unique transaction code.

Your full card number is never stored on your device or on Apple servers, and it can’t be shared with merchants.

Apple Pay doesn’t keep transaction information that can be tied back to you, ensuring all purchases are private.

If your card is lost or misplaced and it’s temporarily blocked, you can still shop using Apple Pay.

Ways to set up Apple Pay

You have two choices, via the Bendigo Bank app or via the Wallet app on your iPhone.

Setting up Apple Pay via our Bendigo Bank app

No more waiting for your plastic card to arrive before you can start spending. Now you can add your card to your Apple Wallet via our Bendigo Bank app.

Don’t have the app? Download it via the App Store (IOS).

To automatically select your card when you need it, simply tap ‘use as default card’ and you’re good to go.

Setting up Apple Pay via the Wallet

How to use Apple Pay in store

iPhone with Face ID

Double click the side button, glance at your screen, then hold iPhone near reader.

iPhone with Touch ID

Double click the home button, then hold your iPhone near the reader with your finger on the Touch ID.

Apple Watch

Double click the side button and hold Apple Watch up to the reader.

If you have a Debit Mastercard ® you can select your payment network, Mastercard or eftpos SAV, when making a purchase via Apple Pay. It’s a simple toggle of the button on your Apple iPhone or Watch. Find out more on how to change your payment preference via the digital wallet.

Learn more about Apple Pay

More information

Frequently asked questions

Disclosure Documents

Credit Cards

Manage my card

Card security

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Bendigo and Adelaide Bank Limited, ABN 11 068 049 178 AFSL / Australian Credit Licence 237879. Any advice provided on this website is of a general nature only and does not take into account your personal needs, objectives and financial circumstances. You should consider whether it is appropriate for your situation. Please read the applicable Disclosure Documents before acquiring any product described on this website. Please also review our Financial Services Guide (FSG) before accessing information on this website. Information on this page can change without notice to you.

Wells Fargo + Apple Pay ®

Get Started

Add your card using your iPhone ® and Wells Fargo Mobile ® app—take the tour to see how. More ways to add your cards to Apple Wallet TM .

iPhone

1. In your Wells Fargo Mobile app, tap Menu in the bottom bar, select Cards, then tap Digital Wallet.

2. All eligible Digital Wallets will display. Tap Apple Pay.

3. All eligible cards will display. Tap the Add to Apple Wallet button next to the card you want to add. Follow any additional instructions to verify and activate your card. Your card is now ready for use with Apple Pay.

Apple Watch ®

1. Open the Watch app on your iPhone and tap Wallet & Apple Pay, then tap Add Credit or Debit Card.

2. To automatically enter your card information, position your card in the camera frame, or manually enter your card details. Then enter your card’s security code and read and accept the terms and conditions.

3. Provide all additional information to verify and activate your card. Your card is now ready for use with Apple Pay on your Apple Watch.

Pay Securely

Apple Pay replaces your actual card number with a unique digital card number. This means businesses do not see or store your full card number.

Easy to Use

Confirm your identity (using Face ID ® or Touch ID ® ) on your device, and tap to pay at any business that displays the Contactless Symbol, as well as online and in apps.

Accepted in many places

In stores, simply tap your mobile device where you see the Apple Pay logo or Contactless Symbol at checkout. Or select the Apple Pay logo when shopping online and in apps.

Tap for ATM access

Just add your Wells Fargo Debit or Wells Fargo EasyPay ® Card to Apple Pay and access any Wells Fargo ATM by tapping on the Contactless Symbol .

Peace of Mind

Use your Wells Fargo cards with Apple Pay

You can add most Visa ® and American Express ® branded Wells Fargo Debit and Credit Cards to Apple Pay.

• Credit Cards
• Debit Cards
• Business Credit Cards
• Business Debit Cards

Only select devices are eligible to enable sign-on with facial recognition. If you have family members who look like you, we recommend using your username and password instead of facial recognition to sign on. Your mobile carrier’s message and data rates may apply.

Certain devices are eligible to enable fingerprint sign-on. If you store multiple fingerprints on your device, including those of additional persons, we recommend using your username and password instead, as those persons will also be able to access your Wells Fargo Mobile app via fingerprint when fingerprint is enabled. Your mobile carrier’s messaging and data rates may apply.

Digital wallet access is available at Wells Fargo ATMs for Wells Fargo Debit Cards and Wells Fargo EasyPay ® Cards in Wells Fargo-supported digital wallets. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. Some ATMs within secure locations may require a physical card for entry.

With Zero Liability protection, you won’t be held responsible for any promptly reported unauthorized card transactions. For more information about liability for unauthorized transactions, review either your applicable Consumer Credit Card Customer Agreement and Disclosure Statement or your applicable Wells Fargo account agreement, debit and ATM card terms and conditions or Wells Fargo Easy Pay ® Card Terms and Conditions.

For a list of compatible Apple Pay devices, see Apple Support.

American Express is a federally registered service mark of American Express used under license. This credit card program is issued and administered by Wells Fargo Bank , N.A. pursuant to an agreement with American Express .

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with permission of EMVCo, LLC.

Paying for things with an Apple Watch is super convenient. Once you’ve tried it, it can be hard going back to card payments! You don’t need to reach for your wallet or phone, and with the current pandemic, it’s nice that you don’t need to touch the potentially contaminated payment terminal.

Want to know how to set up this neat feature? We’ll walk you through that process so that you can shop at the local store with a turn of the wrist.

Add a card to Apple Pay on your Apple Watch

There are two ways to go about adding a credit or debit card to Apple Pay on your Apple Watch, but they’re both uncomplicated and share similar steps. Be sure to have your payment card and iPhone ready and ensure that your card provider supports Apple Pay. You may also need the official app for your bank or card company.

1. Open the Watch app on your iPhone.
2. Tap Wallet & Apple Pay.
3. If you’ve already added at least one card on another Apple device, tap it here and enter the card’s security codes. Otherwise, follow the next steps to enter a new card.
4. Tap Add Card.
5. You’ll have the option of either scanning the card or entering its digits manually. In both cases, you’ll need to add security codes.
6. Tap Next. Your bank or card provider will need to verify the card before it can be used. This sometimes requires an app from the card provider, but the verification is usually quick once that app is ready.
7. You might also need to verify that it’s you by receiving an SMS and entering a numerical code. Again, this is very quick and easy.
8. Once the card is verified, tap Next to enable Apple Pay for that card.
9. If you have multiple cards, be sure to return to Wallet & Apple Pay and tap Default card to choose the card you prefer to use for most transactions.

Use Apple Pay for retail purchases

Once you’ve set up Apple Pay on your watch, using it is typically very simple. There are some things to consider depending on where you live and what you’re buying, however.

1. When ready to pay, double-tap the side button on your watch. Your default card should appear. You can swipe left and right to switch cards.
2. Turn the watch screen toward the payment terminal and get up close. You’ll hear a sound, feel a tap and see a confirmation on the screen if the payment completes successfully.
3. Many countries have transaction limits for Apple Pay, so you may need to use your physical card for large purchases.
4. You may still need to sign a receipt or enter a PIN code.
5. If you’re using Apple Cash, you’ll still have to authenticate with Face ID, Touch ID, or a passcode. If asked for a PIN, any four-digit code will work.

Use Apple Pay on your Apple Watch to confirm purchases in apps or in Safari

You can also use your Apple Watch to approve Apple Pay purchases on other devices, either in apps or on the web using Safari. You won’t often need this on an iPhone, iPad, or Touch ID-equipped Macs, but it’s useful to know.

1. Tap the Apple Pay button in the app or website when you’re ready to buy.
2. Enter or verify your billing and shipping information, and tap > next to your card if you want to use a different payment card.
3. Confirm the payment by double-tapping the side button on your watch. You’ll receive a confirmation on your watch screen if the purchase is completed successfully.

Make easy and secure payments in seconds.

Apple Pay lets you use your Apple device to pay with your AIB Debit or Personal Credit Cards wherever you see the Apple Pay or contactless logo. You can use Apple Pay for in-app purchases too. It’s a safe and secure way to pay.

It’s now even easier to get set up on Apple Pay with your AIB Debit or Credit Card. Simply log in to the AIB Mobile App:

Select the ‘Cards’ icon at the bottom of the screen

Choose the Card you want to add to Apple Pay by tapping the ‘Add to Apple Wallet’ button, located under the card you want to set up and follow the onscreen instructions

Then you’re ready to use Apple Pay wherever you see the Apple Pay or Contactless Logo

• Other ways to set up Apple Pay

Just make sure your iPhone, iPad or Apple Watch is running the most up-to-date iOS by checking ‘Software update’ – you’ll find this under ‘General’ in ‘Settings’.

iPhone 6 and later

To add your card to your iPhone, open the Wallet app, then tap the plus sign in the upper right-hand corner. If the card you’d like to use is already in iTunes, you can quickly add it by entering the card security code. If you need to add a new card, simply follow the on-screen instructions.

To pay, hold your iPhone near the contactless reader and confirm with Touch ID or Face ID. You’ll be able to make in-app purchases with Touch ID and Face ID too.

Apple Watch

Open the Apple Watch app on your iPhone and select ‘Wallet & Apple Pay’. Then select ‘Add credit or debit card’.

To pay, hold your watch up to the contactless reader and double click the side button. A gentle tap and beep let you know that you’ve paid.

iPad with Touch ID

On your iPad, start by opening ‘Settings’, select ‘Wallet & Apple Pay’, then ‘Add credit or debit card’. This will allow you to use Apple Pay on your iPad to make in-app purchases.

You can use Apple Pay with your:

AIB Personal Debit Cards

AIB Personal Credit Cards

AIB Business Debit Cards

Cards that aren’t eligible include: Corporate and Business Credit cards

You can add up to 8 AIB Debit or Credit cards to the Wallet app.

Hundreds of thousands of stores now accept Apple Pay. You can use Apple Pay anywhere that accepts contactless payments. You can make payments for any amount with Apple Pay, though some retailers may not support Apple Pay transactions above €50.

Look for either of these symbols at checkout.

In-app purchases

Many apps now accept Apple Pay, so you don’t have to enter your card details to make in-app purchases. Simply select Apple Pay at the checkout and use Touch ID or Face ID to complete your payment.

Apple Pay is also available on the web in Safari. Whether you’re shopping or donating on your iPhone, iPad or Mac, use Apple Pay without having to create an account or log in.

Touch ID is also available on the new MacBook Pro, so paying happens with just a touch and is quicker, easier and more secure than ever before!

You can see a record of every payment you’ve made using Apple Pay by checking your account history in the AIB Mobile Banking app or in AIB Online Banking.

You can also see your last 10 Apple Pay payments, including merchant details, under ‘Transaction history’ in the Wallet app.

You can also choose which card to use when you’re about to pay – just open the Wallet app first and select the card you want to use.

On your Apple Watch, double click the side button, swipe left or right to select a card and present the watch to the contactless reader.

For in-app purchases, select the Apple Pay logo, then ‘Cards and billing’ to choose a card.

Contact free payments made stress free

Apple Pay lets you make secure, contactless payments with Apple devices such as iPhone, Apple Watch, iPad and Mac both in-store and online.

Secure

Apple Pay utilises a security method called tokenization, this avoids the need to share a card number ensuring your card details are safe and secure.

Quick

In store Apple Pay is a quick and safe way to pay. Like contactless, it helps you avoid surfaces. All it takes is a glance or touch to verify transactions with FaceID or TouchID. If needed, your passcode can also be used.

Simple

If you haven’t used mobile pay before, don’t worry, you can use it anywhere you see the contactless symbol, paying for items in an instant.

What you’ll need to set up Apple Pay

To use Apple Pay in stores, within apps and on the web using Safari you will need to have a supported device. Here is a list from Apple.

Our Royal Bank of Scotland mobile app is available to personal and business customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries.

The quickest way to set up Apple Pay is via our mobile app

Step 1

Step 2

Step 3

Step 4

Step 5

Another way you can set up Apple Pay is through Wallet

Follow our step by step guide to set up Apple Pay. For this guide you will need to use an iPhone 6 or above.

Step 1

On your iPhone open ‘Settings’ and select ‘Wallet & Apple Pay’. You will then be taken to the ‘Wallet & Apple pay’ settings screen.

Step 2

Tap ‘Add Card’ and choose either your ‘Debit’ or ‘Credit’ card depending on which card you would like to set up Apple Pay. On the next screen hit ‘Continue’.

Step 3

Next use your iPhone camera to capture your card details. If you prefer you can input your card number manually. Confirm your details and click ‘Next’.

Step 4

Enter your card’s expiry date and 3 digit code on the back of your card and hit ‘Next’. Review and if you are happy agree to the Terms and Conditions.

Step 5

Choose our mobile app to verify your card. Then tap ‘Verify’.

If you’re setting up your credit card with Apple Pay, our mobile app option is not available. However you can select the option to recieve the verification code via text message, this can also be done for your debit card if you wish.

Step 6

If verifying through the app, open and log in. Once the app has opened tap ‘Verify card’ and ‘Done’. If you have selected the text message option please enter the verification code sent. You will get a text confirming your card’s activated and then you are all set.

Learn more about Apple Pay

How does Apple Pay work?

Apple Pay retains all the benefits of using your debit or credit card, adding greater ease of payment and confidence of biometrics. It’s an easy, secure and private way to pay.

Apple Pay uses contactless technology to process payments instantly, with the reassurance of robust security features built into your device whether you’re using it in stores, in apps or on the web.

Apple Pay allows your Royal Bank of Scotland debit and credit cards to be registered into the Wallet app on iPhone, iPad, Mac and Apple Watch.

In shops, it’s accepted wherever contactless payments are, plus you can make payments over the contactless limit (merchant limit applies). Your device doesn’t even need a mobile signal to make a transaction, it uses contactless technology to communicate directly with the payment terminal.

To use in apps or on the web, select Apple Pay at checkout and complete using Face ID or Touch ID. No need to create an account or fill out lengthy forms

Where can I get more support?

Apple have lots of helpful resources on their webpages, including demo videos to get you started and troubleshoot. Apple Pay support pages (opens in a new window)

Where can I use Apple Pay?

Use Apple Pay wherever you see the contactless or Apple Pay symbols.

You can use Apple Pay in store, in apps, on websites and even on Transport for London.

It is not necessary for the iPhone to have any mobile signal in order to make an Apple Pay transaction, the iPhone uses contactless technology to communicate directly with the payment terminal.

How secure is Apple Pay?

Apple Pay is a secure way to pay as every transaction on your iPhone or iPad requires you to authenticate with Face ID, Touch ID or your passcode. Your Apple Watch is protected by the passcode that only you know, and your passcode is required every time you put on your Apple Watch.

When you make a purchase, Apple Pay uses a device-specific number and unique transaction code. So your card number is never stored on your device or on Apple servers, and when you pay, your card numbers are never shared by Apple with merchants.

Paying in Stores – When you pay in stores, your card number and identity aren’t shared with the retailer, and your actual card numbers aren’t stored on your device or on Apple servers.

We take security very seriously and, provided you take appropriate care, we’ll offer you the same protection against fraud when you use Apple Pay, as we do for your Royal Bank of Scotland debit and credit cards.

What if my Apple device is stolen?

With Apple Pay, you authorise each purchase with Face ID (opens in a new window), Touch ID, or your passcode. These features help prevent other people from using Apple Pay on your iPhone, iPad, Apple Watch, or Mac.

You can go to your Apple ID account page (opens in a new window) or use the Find My app (opens in a new window) (must be enabled before hand) on an iPhone or iPad to suspend or permanently remove the ability to pay from that device with Apple Pay. Your cards will be suspended or removed from Apple Pay even if your device is offline and not connected to a cellular or Wi-Fi network. You can also call us to suspend or remove your cards from Apple Pay. Learn more about what to do if your iPhone is lost or stolen (opens in a new window).

Contactless payments without the £100 limit

Use your Apple device 1 to pay with your debit card or Barclaycard wherever you see the Apple Pay or contactless logo.

• It’s quick, convenient and free to use
• It’s secure, with Touch ID and Face ID
• Pay using contactless, for any amount you like
• Use it in apps too

A secure way to pay

Apple Pay is safe and secure to use. Your card details won’t be stored on your Apple device or sent to merchants, so your information stays private and secure.

Plus, payments need to be authorised with Touch ID or Face ID when paying in store or in-app.

In-store payments

Hundreds of thousands of stores now accept Apple Pay, as well as Transport for London. You can use Apple Pay anywhere that accepts contactless payments. And you can now make payments for any amount with Apple Pay, though some retailers have a £100 limit.

In-app purchases

Many apps now accept Apple Pay, so you don’t have to enter your card details to make in-app purchases. Simply select Apple Pay at the checkout and use Touch ID or Face ID to complete your payment.

Get set up with Apple Pay Apple Pay

It’s easy to get set up and use Apple Pay with your debit card or Barclaycard.

Just make sure your iPhone, iPad or Apple Watch has the latest software update installed – you’ll find this under ‘General’ in ‘Settings’.

How to pay using an iPhone 6 or later

If you have the Barclays app

1. Select ‘Cards’ from the home screen
2. Tap ‘Add to Apple Wallet’ if available*
3. Follow the instructions

*You’ll see ‘Add to Apple Wallet’ if the card you’ve selected isn’t already set up on Apple Pay.

If you don’t have the Barclays app

1. Open the Wallet app on your phone
2. Tap the plus sign at the top of the screen
3. Follow the instructions

Hold your iPhone near the contactless reader. You need to have Touch ID or Face ID activated – you can use these to buy things in apps too.

How to pay using an Apple Watch

Open the Apple Watch app on your phone and select ‘Wallet & Apple Pay’, then choose ‘Add credit or debit card’.

Hold your watch near the contactless reader and double click the side button. You’ll hear a beep to let you know you’ve paid.

How to pay using an iPad

Open ‘Settings’, then choose ‘Wallet & Apple Pay’, then ‘Add credit or debit card’. You can now use Apple Pay on your iPad to buy things in apps.

See your transactions Transactions

You can see a record of every payment you’ve made using Apple Pay by checking your account history in the Barclays app or in Online Banking.

You can also see your last 10 Apple Pay payments, including merchant details, under ‘Transaction history’ in the Wallet app.

Choose your default and Express Travel cards Default and Express Travel cards

Payments are charged to the default card in your Wallet app automatically when you use one-touch payment.

It’s easy to change your default card. Simply open the Wallet app and drag the card you want to be the default to the front of the Wallet.

When travelling on Transport for London, you can pay with an Express Transit card. This allows you to tap your iPhone or Apple Watch on the yellow card reader without having to use Touch ID or Face ID.

To set up an Express Transit card, open ‘Settings’ on your iPhone. Tap ‘Wallet & Apple Pay’, then select ‘Express Travel Card’ and choose your Barclays debit card or Barclaycard.

Remember to always use the same device to tap in and out of your journey, otherwise you could be charged the maximum fare.

For more information on using Apple Pay on TfL services, visit TfL or Apple.

Remove or delete a card in Apple Pay Remove or delete a card in Apple Pay

On your iPhone or iPad, go to ‘Settings’ and open ‘Wallet & Apple Pay’. Select the card you want to remove, then scroll down and tap ‘Remove this card’.

You can also delete a card from ‘Wallet’. Select a card, tap the three dots icon, then scroll down and choose ‘Remove this card’.

To remove a card used on your Apple Watch, open the Watch app on your iPhone, go to the My Watch tab and open ‘Wallet & Apple Pay’. Select the card you want to remove, then scroll down and tap ‘Remove this card’.

Switch between cards Switch between cards

You can also choose which card to use when you’re about to pay – just open the Wallet app first and select the card you want to use.

On your Apple Watch, double click the side button, swipe left or right to select a card and present the watch to the contactless reader.

For in-app purchases, select the Apple Pay logo, then ‘Cards and billing’ to choose a card.