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Apple Pay
- Pay in shops with your mobile devices instead of cash or card.
- Make paying online even easier.
- And you still get your Everyday Offers rewards on payments.
To protect you from fraud, we may restrict the payments you can make using Apple Pay.
How to do it
We'll take it step by step.
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- Open the Apple Wallet app on your iPhone then select the + sign in the top-right corner. Or select 'Wallet & Apple Pay' from either the Apple Watch app, iPad settings or Mac System preferences followed by 'Add Card'.
- Select 'debit or credit card'.
- To add your card details, tap or hold your card close to your iPhone, or using your camera scan the card or type the details manually.
- Then follow the step-by-step guide.
- 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 and you can select this card as your default card.
The easiest way to add your card to Apple Pay is using our mobile banking app
- Log in to our app and choose 'Cards' on the bottom right. Then select 'Apple Pay'.
- Select the debit or credit card to be added and select 'Add to Apple Wallet'. Then select the device you’d like to add your card to.
- Confirm your card details and accept the terms and conditions.
- Your card is now added to Apple Pay and you can select this card as your default card.
Getting started in our app
A look at the details
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If you’re asked to verify your card, you can do so with a One Time Passcode (OTP), using our app or by calling us.
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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.
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Visit the Apple website to check which devices are compatible with Apple Pay and where you can use them to make payments and purchases.
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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, Electron cards. In addition you won’t be able to use Apple Pay if you are under 13 years of age.
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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.
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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.
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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.
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Report your card as lost or stolen.
You do not need to do anything. Your replacement card will be loaded to your Apple Wallet once it has been issued.
For details on what to do if your Apple device is lost or stolen, visit the Apple website.
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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.
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