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Set up and use Apple Pay

Why use Apple Pay?

Apple Pay is a useful way to pay with your Bank of Scotland debit or credit card. It lets you make everyday payments with your mobile device, wherever you see the contactless or Apple Pay symbols.

Safe - Security is our priority. When you use Apple Pay with Bank of Scotland, your card details aren’t shared with retailers, stored on your device or shared with Apple servers.
Simple - Make secure contactless purchases above or below £100 in shops and online, even without your card. Keep in mind that some retailers may limit individual payments to £100.
Rewarding - If you're currently getting rewards or benefits with your Bank of Scotland debit or credit card, you'll still be eligible to receive these whenever you make a purchase using Apple Pay. This includes benefits such as Everyday Offers on debit card and credit card purchases.

We might occasionally limit the value or number of payments you can make using Apple Pay and ask you to use your card with the PIN instead. This is just to make sure it’s you making the transaction. Some retailers may also limit payments to £100.

To set up Apple Pay

Our Mobile Banking App (debit card only) expandable section
iPhone expandable section
Open the Apple Wallet app then select the + sign in the top right corner.

Select the debit or credit card option to start adding your chosen card. Enter your card details by using your camera or by typing them manually.

Enter your card’s security code to add your debit or credit card. You may need to verify your card. Select one of the options on screen and follow the instructions.

Your card is now added to Apple Pay.
Apple Watch expandable section
Open the Apple Watch app then select Wallet & Apple Pay and select Add Card.

Select the debit or credit card option to start adding your chosen card. Enter your card details by using your camera or by typing them manually.

Enter your card’s security code to add your debit or credit card. You may need to verify your card. Select one of the options available on screen and follow the instructions.

Your card is now added to Apple Pay.
iPad expandable section
Open your IPad settings then select Wallet & Apple Pay and select Add Card.

Select the debit or credit card option to start adding your chosen card. Enter your card details by using your camera or by typing them manually.

Enter your card’s security code to add your debit or credit card. You may need to verify your card. Select one of the options available on screen and follow the instructions.

Your card is now added to Apple Pay.
Mac expandable section
Open your Mac’s system preferences then select Wallet & Apple Pay and select Add Card.

Select the debit or credit card option to start adding your chosen card. Enter your card details by using your camera or by typing them manually.

Enter your card’s security code to add your debit or credit card. You may need to verify your card. Select one of the options available on screen and follow the instructions.

Your card is now added to Apple Pay.

Log in to our app and choose Manage Card on the bottom right. Then select Apple Pay.
Select the debit card to be added and select Add to Apple Wallet. Then select the device you’d like to add your card to.
Confirm your debit card details and accept the terms and conditions. You can now choose to select this card as your default card for Apple Pay.
Your debit card is now added to Apple Pay.

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Mobile Banking app

Join our 1 million app users.
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More about our app

Apple Pay explained

How do I verify my Bank of Scotland card for Apple Pay? expandable section

If you are using our app to add your card, you won’t have to verify it.

If you are using the Apple Wallet, you can verify your card with a One Time Passcode (OTP), using our app, or by calling us.
What is the transaction limit for Apple Pay? expandable section

To protect you from fraud, we might occasionally limit the value or number of payments you can make using Apple Pay and ask you to use your card instead. Some retailers may also limit payments to £100.
What devices are compatible with Apple Pay? expandable section

Visit the Apple website to check which devices are compatible with Apple Pay and where you can use them to make payments and purchases.
What Bank of Scotland cards can I use in Apple Pay? expandable section

Apple Pay works with the majority of Bank of Scotland debit and credit cards. There are a small number of card and account types you won’t be able to use with Apple Pay. They are: Non-personal accounts, Visa credit cards, Electron cards. In addition you won’t be able to use Apple Pay if you are under 13 years of age.
Can I use multiple cards with Apple Pay? expandable section

Each Apple Pay enabled device can load up to eight cards. As devices do not share cards, if you want the same card on two different devices, you will need to load the card on each device separately.
Does the Wallet app show my recent transactions? expandable section

For each Bank of Scotland debit or credit card, you’ll be able to see the last 10 transactions made using Apple Pay on that device. All your card transactions will still appear on your bank or credit card statement in the usual way.
Can I use Apple Pay when I’m abroad? expandable section

All retailers who accept contactless payments will accept Apple Pay whether they’re in the UK or overseas. Different transaction limits will apply depending on which country you’re in.

If you use Apple Pay to pay with a card overseas, standard overseas charges will apply according to your card terms and conditions. Based on your mobile plan and mobile network’s offering, additional message data charges and foreign transaction fees may also apply.
What should I do about Apple Pay if my card is lost or stolen? expandable section

You do not need to do anything. Your replacement card will be loaded to your Apple Wallet once it has been issued.
What should I do if my Apple device is lost or stolen? expandable section

For details on what to do if your Apple device is lost or stolen, visit the Apple website.
What happens when I replace or update my Apple device? expandable section

If you replace or update your device, you’ll need to add your card(s) again to the Wallet app using the same Apple Pay set up process as you did before.

Be sure to remove your card(s) from Apple Pay before you dispose of your device.

More Card and PIN services

Manage how your cards are used, report your card lost or stolen and view your PIN online.

All card and PIN features

View our Privacy policy

View Terms of use for Apple Pay

Mobile Banking is available to Internet Banking customers. We don’t charge you for Internet Banking but your mobile phone provider may charge for some services. Please check with them. Phone signal and functionality may affect services. Terms and conditions apply.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc. Google Play is a trademark of Google LLC. Terms and conditions apply.

Apple Pay is not available on all debit cards, credit cards and accounts. Restrictions include: Non-personal accounts, Visa credit cards, Electron cards, additional credit card holders and customers under 13 years of age. Available on iPhone 6/6+ and above, iPad with Touch ID and Apple Watch

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Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.

Mobile Banking app: Our app is available to Internet Banking customers with a UK personal account and valid registered phone number. You need to have a valid registered phone number. Minimum operating systems apply, so check the App Store or Google Play for details. Device registration required. The app doesn't work on jailbroken or rooted devices. Terms and conditions apply.