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Apple Pay

A safer, contactless way to pay

Now more than ever, Apple Pay is a better way to pay with your first direct debit and credit cards. It’s contactless, safe and easy. If you’ve never made a contactless payment with Apple Pay, it’s simple to set up before you leave home.

And you can say goodbye to the £100 contactless limit with Apple Pay. You can purchase over the contactless limit in many stores, so you can use Apple Pay for purchases, big or small.

For a list of compatible Apple Pay devices, see the support page on the Apple website Opens an overlay [Will show a security message first].

Look out for the following symbols to use Apply Pay on websites, apps or in stores.

Show the section How to add a card

On Apple Watch Series 3 (and later), and iPhone 8 (and later), you can add up to 12 cards on a device. On earlier models, you can add up to 8 and the same card can be added on up to 9 devices. The first card added to Apple Pay will be the default card but you can change this by selecting another by going into your iPhone 'Settings‘ and then 'Wallet & Apple Pay'.

To add Apple Pay to your device just follow these simple steps:

first direct Mobile Banking app

On your iPhone or Apple watch you can add your cards to Apple Pay directly from your first direct App. Just make sure you have the latest version of our App and then:

Log in with your Digital Secure Key.
Select the ‘More’ menu and click ‘Cards’.
Choose the debit or credit card you want to add.
Click on the ‘Add to Apple Wallet’ button, and follow the instructions.

As well as using your first direct App to add your card to Apple Pay in your iPhone or Apple watch, you can also add your card through the Wallet app. Here's how:

iPhone

Open the Wallet app, then tap the “+” sign in the top right corner. From there, simply enter your card's security code to add the credit or debit card you already use with your Apple ID, select 'Add a different card' and use your iPhone camera to scan the card information, or type it in manually.

Apple Watch

Open the Apple Watch app on your iPhone and tap 'Wallet & Apple Pay'. Then select 'Add a new Credit or Debit Card'. From there, simply enter your card's security code to add the credit or debit card you already use with your Apple ID. To add a different card, use your iPhone camera to scan the card information, or type it in manually.

iPad

Go into 'Settings', tap 'Wallet & Apple Pay‘ followed by 'Add Credit or Debit Card'. From there, simply enter your card's security code to add the credit or debit card you already use with your Apple ID, select 'Add a different card' and use your iPad camera to scan the card information, or type it in manually.

Mac with Touch ID

Go to ‘System Preferences’ and select ‘Wallet & Apple Pay’ and then ‘Add Card’. From there, simply enter your card’s security code to add the credit or debit card you already use with your Apple ID or select ‘Add a different card’ and use your camera to scan the card information. Just so you know, Apple Pay is only available on Mac models with Touch ID.

Look out for the following symbols to use Apply Pay on websites, apps or in stores.

Show the section How to remove a card

If you need to, you can remove a card from your device.

iPhone & iPad

To remove a card that you use on your iPhone or iPad, go to Settings > Wallet & Apple Pay, tap the card you want to remove, then scroll down and tap Remove This Card. Or open Wallet, tap a card, tap More, then scroll down and tap Remove This Card.

Apple Watch

To remove a card that you use on your Apple Watch, open the Watch app on your iPhone, go the My Watch tab, scroll down, tap Wallet & Apple Pay, tap the card, then scroll down and tap Remove This Card. Or tap Wallet on the Home screen of your Apple Watch, tap a card, touch and hold, then tap Delete.

Mac with Touch ID

To remove a card that you use on your Mac, go to System Preferences > Wallet & Apple Pay, click the card you want to remove, then click the minus (-) sign to remove the card.

Look out for the following symbols to use Apply Pay on websites, apps or in stores.

Show the section Change default card

The first card you add to Wallet is assigned as your default card. If you add more cards and want to change your default card, follow these steps.

iPhone & iPad

Go to Settings > Wallet & Apple Pay on your iPhone or iPad, and scroll down to Transaction Defaults. Tap Default Card, then choose a new card. On your iPhone, you can also open Wallet, touch and hold a card, then drag it to the front of your cards.

Apple Watch

Open the Apple Watch app on your iPhone. Tap the My Watch tab, tap Wallet & Apple Pay > Default Card, then 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.

Look out for the following symbols to use Apply Pay on websites, apps or in stores.

Show the section Making a payment

Paying in stores

To pay with Face ID, just double-click the side button on your iPhone, glance at your screen, then hold it near the reader. If anything is obstructing your nose and mouth your Face ID will not work and you will be prompted to enter your passcode instead.

For Touch ID, hold your iPhone near the reader with your finger on Touch ID.

On Apple Watch, double-click the side button and hold Apple Watch up to the reader.

Paying 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 the 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.

Or, if your Mac has Touch ID, select Apple Pay at checkout in Safari and complete the payment using Touch ID on the Touch Bar.

Paying on Transport for London (TfL)

With Express Transit mode enabled, you don’t need to use Face ID or Touch ID - and there’s no need to double-click the side button of your Apple Watch.

Simply touch the top of your iPhone, or the display of your Apple Watch, to the middle of the yellow card reader at the start and end of your journey.

You can touch your iPhone or Apple Watch to the reader even if it’s locked, in the middle of a game, video or message. You’ll feel a vibration and see Done and a checkmark on the display.

If you have an iPhone XS, iPhone XS Max or iPhone XR, Express Transit mode with power reserve is available for up to 5 hours when your iPhone needs to be charged. If you choose to power off your iPhone, this feature won’t be available.

Look out for the following symbols to use Apply Pay on websites, apps or in stores.

Show the section FAQs

What is Apple Pay and which devices are compatible?

Apple Pay is a digital wallet that lets you pay for purchases in stores, online and in apps without having to use your physical card.

For a list of compatible Apple Pay devices, see the support page on the Apple website Opens an overlay [Will show a security message first].

Where can I use Apple Pay and is it free to use?

Apple Pay can be used in stores wherever you see these symbols:

It can also be used for travel with Transport for London on buses and the London Underground.

You can make online and in app purchases on your compatible iPhone, iPad or Mac wherever you see the Apple Pay button at checkout.

first direct won't charge you for using Apple Pay, but charges from your mobile network provider may apply depending on your data plan.

What should I do if I lose my iPhone, iPad, Apple Watch or Mac?

If your iPhone, iPad or Apple Watch is lost or stolen, you can go to the Apple icloud website Opens an overlay [Will show a security message first] or use the Find My iPhone app to suspend or permanently remove your first direct card from that device. This will happen even if your device is offline and not connected to a mobile or Wi-Fi network.

Apple will also be able to remove your card(s) from a device.

Alternatively, you can call us on 03 456 100 100* to suspend or remove your card from Apple Pay.

*Lines are open 24 hours a day, 365 days a year. Calls may be monitored or recorded.

What should I do if I lose my card?

You can report your card as lost or stolen in our App or by calling us on 03 456 100 100*.

Once you report your card as lost or stolen, it will be stopped. When we send your new card, you won’t need to register it with Apple Pay again as your new details will be updated automatically.

When your new card arrives, start using it as soon as possible to continue using Apple Pay.

*Lines are open 24 hours a day, 365 days a year. Calls may be monitored or recorded.

What happens when my card expires?

If your card is nearing expiry, a replacement is automatically issued and the details are updated in Apple Pay for you. If the expiry month has passed and you haven’t received a new card, please give us a call on 03 456 100 100*.

*Lines are open 24 hours a day, 365 days a year. Calls may be monitored or recorded.

What happens if I replace or update my device?

If you replace or update your device, you will need to add your card(s) to Wallet again.

Please ensure that you remove your card(s) from any devices before selling, exchanging, or disposing of them. You should also remove your card if you temporarily pass your device to someone else; for example if you pass it to be repaired.

You can remove a card from Apple Pay at any time. Go to 'Settings' > 'Wallet & Apple Pay', tap the card that you want to remove, then tap 'Remove Card'.

Is Apply Pay secure?

Apple Pay is a secure way to make payments. With Apple Pay, instead of using your actual first direct credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone, iPad, and Apple Watch. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment so your actual credit or debit card numbers are never shared by Apple with merchants or transmitted with payment.

To protect your card:

You must not choose a device passcode that can be easily guessed by anyone else or tell anyone else what your device passcode is; And you must ensure that you do not store anyone else's fingerprint within your Apple Pay device.

How do I enable Express Transit mode?

Express Transit mode allows you to use Apple Pay on your iPhone or Apple Watch to touch in and touch out for your pay as you go journeys on TfL. There’s no need to use Face ID, Touch ID or double-click the side button of your Apple Watch.

To enable Express Transit mode for your first direct card in Apple Wallet, follow these simple steps:

For iPhone

Open the Settings app on your iPhone.
Tap Wallet & Apple Pay, then tap Express Transit Card*
Select your first direct card, then authenticate with Face ID, Touch ID, or your passcode.

For Apple Watch

Open Watch App on your iPhone and select the My Watch tab.
Tap Wallet & Apple Pay, then tap Express Transit Card*
Select your first direct card, then authenticate with your Apple Watch passcode.

If you have a default first direct card set for Apple Pay, Express Transit mode will automatically be enabled for this card. If you wish to disable this feature just follow the steps above to do this.

To find out more about Express Transit mode visit the Apple Transit knowlege page Opens an overlay [Will show a security message first].

*You can only have one Express Transit card per Apple device.

How do I set my first direct card as the default card for Apple Pay?

The first card you add to Wallet is your default card. To change your default card go to 'Settings', select 'Wallet & Apple Pay‘ and tap 'Default Card'. Select your first direct card to make it the default card for transactions.

You can also change a default card by selecting the card you would like to make the default, and dragging it to the front in Wallet. Tap 'OK' when prompted.

I have been prompted for a one-time passcode. What is this and why is it required?

For security purposes, we may ask you to enter a one-time passcode to confirm your identity. This code is a unique series of numbers and/or letters and will be sent via text. Once received, please enter the one-time passcode into the appropriate field.

Do I need a data connection to use Apple pay?

You will need a mobile data or Wi-Fi connection to add a card to Apple Pay. In most circumstances you do not need a mobile data or Wi-Fi connection to transact using Apple Pay. However, occasionally you may be required to connect to the internet, for example after a device restart.

Do I need to have my physical card with me to add the card to Apple Pay in the first direct App?

You don’t as long as your card is visible in the Cards menu. To add the card simply click on “Add to Apple Pay” under the card you want to add and then follow the onscreen instructions. If your card is not visible please call us on 03 456 100 100*.

*Lines are open 24 hours a day, 365 days a year. Calls may be monitored or recorded.

I can’t see any option to add my card to Apple Pay in the first direct App, what should I do?

If the option to add your card to Apple Pay doesn’t appear under the card it might be that you have already added it. Or it could be that you have exceeded the number of devices you can add the card to as the same card can only be added on up to 9 devices.

If you use a Mac or an iPad, you will need to add your card directly to your device’s Digital Wallet as the option to add your card to Apple Pay from your first direct App is not available for these devices.

I have just opened a new account, how soon could I add my new debit/credit card to Apple Pay using the first direct App

What security checks could I be asked to go through when adding my card?

Look out for the following symbols to use Apply Pay on websites, apps or in stores.

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

The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC.

Apple Pay

A safer, contactless way to pay

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