What You’ll Need To Set Up Apple Pay
Most Co-operative Bank debit and credit cards are eligible for Apple Pay with the exception of ATM cards and business credit or debit cards.
You can use Apple Pay with any compatible Apple device. There currently include:
- iPhone models with Face ID
- iPhone models with Touch ID, except iPhone 5s
- iPad Pro, iPad Air, iPad, and iPad mini models with Touch ID or Face ID
- Apple Watch Series 1 and 2 and later
- Apple Watch
- Mac models with Touch ID
- Mac models introduced in 2012 or later with an Apple Pay-enabled iPhone or Apple Watch.
How To Send Money To Friends With Apple Cash
Apple Cash functions like mobile payment app rivals Venmo and Zelle to allow for cash transfers between those with an iPhone, iPad, or Apple Watch.
With Apple Pay on your iPhone, iPad, or Apple Watch, you can pay for things in stores, online, and within supported apps using saved credit or debit cards or an Apple Cash account balance.
But Apple Cash can also serve as a mobile payment app like PayPal, Zelle, or Venmo. That means you can send money to people you know, and the funds are taken out of your Apple Cash balance. On the flip side, you can request money from other people, and the funds are added to your balance. That balance can then be spent on future transactions or transferred to a bank account, in full or in part.
Previously, you had to use the Messages app on your Apple device to send or request money. But with iOS/iPadOS 15.5 or higher, you can do it directly in the Apple Wallet app, and the transaction then occurs within the Messages app. Heres how to set up and use the service.
How Do I Transfer Money From Apple Pay To My Debit Card
Transfer in 1 to 3 business days to a bank account
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How Do I Add A Bank Account To Apple Pay
Why Use Apple Pay
Apple Pay is as simple as using your physical card and with Face ID and Touch ID, its highly secure. Plus, in most shops Apple Pay can be used for transactions over the contactless card limit.
Use Apple Pay anywhere you see the Apple Pay or Contactless icons in-store, online and in-app. Hold your iPhone near the reader and verify using either your fingerprint with Touch ID or using Face ID. If youre paying with an Apple Watch, hold it near the reader and double tap the side button.
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Can I Use Wallet Payments Outside The Uk
Yes, you can use wallet payments in the same way you would a standard debit or credit card. You may be charged processing fees by other banks, overseas charges, and currency conversion charges too. Find out more about The Co-operative Bank’s card charges outside the UK.
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How To Set Up Your Starling Debit Card In Your Apple Wallet
Make sure youve got the latest version of the Starling Bank app.
Go to the Card Management section of the app and tap Add to Apple Wallet
Youll see a Card added notification and tick when its all complete.
If youre happy with Starling’s Ts& Cs, accept them and you should be good to go.
In some cases, you might be asked to verify by phone. Well send you a code to enter, then you should be set up.
If you prefer, you can also add your Starling card to Apple Pay directly from your Wallet app. Tap the plus sign in the top right corner of the screen then follow the instructions to add your card to your wallet.
Please note: mobile wallet functionality may not be available to all customers.
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What Makes Apple Pay Safe
Apple Pay is safer than using a traditional credit or debit card. Every transaction on your iPhone or iPad requires you to authenticate with 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.
Your card number and identity arent shared with the merchant, and your actual card numbers arent stored on your device or on Apple servers.
When you pay in stores, neither Apple nor your device sends your actual credit or debit card numbers to merchants. When you pay in apps, the merchant will only receive information like name, email address, billing and shipping addresses you authorise to share to fulfil your order.
If Your Iphone Or Ipad Is Unavailable
If your iPhone is missing or stolen, you can to make a payment. You can also ask an Apple Card specialist to help you set up scheduled payments so you won’t miss a payment.
If you added your Apple Card to another iPhone, you can make a payment or set up scheduled payments in the Wallet app on that iPhone. If you added your Apple Card to your iPad, you can go to Settings > Wallet & Apple Pay > Apple Card, then tap Make a Payment or set up Scheduled Payments.
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Adding Funds To Your Apple Pay Cash Balance
To add money to your Apple Pay Cash balance, you can either wait for people to send you money through the service, or add funds yourself using a debit card. If you didnt link a debit card with Apple Pay Cash during the setup process, youll need to do it now if you want to add money to your balanceunfortunately, you cant use a credit card.
To get started, open up the Settings app, scroll down, and tap on Wallet & Apple Pay.
Tap on your Apple Pay Cash card.
Tap on Add Money.
If you dont have a debit card linked to Apple Pay Cash, youll get a pop-up that says Unable to Add Money, and youll tap on Add Card to link a debit card. The process is identical for adding any other credit card to Apple Pay.
In any case, once youre all set there and you tapped on Add Money, enter in an amount that you want to add to your balance. Keep in mind that the minimum is $10. Hit Add in the top-right corner.
Use Touch ID to confirm the transaction.
Thats all there is to it! Your new balance will update immediately and you can begin spending it right away.
How To Add A Debit Or Credit Card To Apple Pay
Set up a debit or credit card on your iPhone in just a few steps:
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Add A New Card On Your Iphone
Other Ways To Set Up Apple Pay
How you set up Apple Pay will change depending on which type of Apple device you are using:
- On iPhone open Wallet and tap the ‘+’ icon in the upper-right corner
- On iPad go to ‘Settings’ > ‘Wallet’ > ‘Apple Pay’ > ‘Add Card’
- For Apple Watch, go to the Apple Watch app on your iPhone and tap ‘Wallet & Apple Pay’ > ‘Add Card’
- For a Mac with Touch ID go to System Preferences > Wallet & Apple Pay > Add Card
- For a Mac without Touch ID, you’ll need to complete the purchase using an eligible iPhone or Apple Watch
If you have a NatWest International debit card registered with iTunes, the details will be retrieved from iTunes. You can proceed to add this card or you can choose to add a new card.
NatWest International will verify your information and may ask for more information. Once you have this simply go back to Wallet and tap your card.
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See Your Payment History
To view your payment history, follow these steps:
Next to Payments and Credits you see the amount of Payments and Credits from the month you selected. If you want to download a PDF of the statement, tap Download PDF Statement. Payments and Credits includes payments you might have made, refunds on purchases you returned, and credits you might have received from a transaction dispute.
You can also view individual payments. Just open the Wallet app on your iPhone and tap Apple Card. Then scroll through Latest Transactions until you see a Payment transaction. To see the payment details, tap the transaction, then tap it again on the next screen.
How To Add A Bank Account To Your Apple Card
Like all credit cards, Apple Card requires that you have a bank account for making payments. As you might expect, Apple makes it easy to select a bank account for Apple Card payments using the Wallet app on your iPhone.
The first time you add a bank account, you’ll be asked if you want to add the same bank account that you use with Apple Cash . If so, all you need to do is say yes, and you’re good to go. Otherwise, you can manually add a different bank account for your Apple Card.
You can add multiple bank accounts to your Apple Card, but the first one that you add becomes your default bank account for making payments. To add a bank account, you’ll need your bank account number and bank routing number. With those ready to hand, simply follow these steps.
If you need to, you can easily delete a bank account from the Bank Accounts screen by tapping Edit and then tapping the red minus button next to the bank account in question. Be aware, though, if you have scheduled payments set up, you’ll need to shut those off before you can remove your bank account.
Did you know you can also use any Apple Cash that you’ve accrued to help make immediate one-time payments to your Apple Card? .
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Is Apple Pay Safe
Apple Pay can often protect your financial information better than credit cards or cash. For one, Apple does a good job protecting your payment information and your transactions, says Theresa Payton, CEO of Fortalice, a cybersecurity company. Apple never accesses your true credit or debit card numbers, instead using a tokenization method that generates a unique number for each transaction. As an extra layer of security, Apple also asks for additional verification, such as Touch ID or Face ID, before completing the purchase.
Whats more, Apple Pay can keep your information safe from scammers and thieves. Your card information is not stored on your devices or Apples servers, and Apple doesnt share your information with retailers. Apple Pays contactless system prevents your information from being swiped by a skimming device, too.
In case your device is stolen or lost, you can also delete the information on your Apple Pay app by placing your device in lost mode. That way, you dont have to cancel your credit cards like you would if your wallet was stolen or misplaced. If thieves do get their hands on your wallet, this is what you should do to avoid identity theft.
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Notice:Apple Pay is only available in Germany, Austria, France, Italy, Spain, Finland, Ireland, Iceland, Greece, Liechtenstein, Luxembourg, Portugal, Slovakia, Estonia, Belgium, Poland, Norway, Netherlands, Slovenia, Sweden, Denmark, Switzerland and the UK.
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Can You Get Scammed With Apple Pay
While Apple Pay itself is safe, criminals do target Apple Pay users. No payment system can be 100 percent secure from fraudsters, Payton says. Anytime there is an opportunity to catch money while its moving, cybercriminals and fraudsters will be ready to strike. For example, scammers may ask users to pay for phony concert or game tickets through Apple Pay. In another new scheme, con artists transfer money to a victims Apple Cash card using a stolen credit card and ask them to send the money back. The money the victim sends goes to the criminals personal card, and the stolen funds are removed from the victims account.
These thieves are taking advantage of one major security downfall of Apple Pay. Unlike credit or debit cards, which offer financial protection for consumers in the case of fraud or theft, digital payment services like Apple Pay treat money more like cash. Once the money has been transferred, it is almost impossible to recoup the loss. On the flip side, Apple Pay is great for those times when you should never use your credit card for payment.
Paying With Apple Pay
Now there’s no need to dig out your physical wallet in order to make a payment. Just use your iPhone or Apple Watch at any contactless reader and you’ll be on your way in no time.
Check your balance before you pay
You also have the option to check your balance before paying by first opening the RBC Mobile app and selecting the card you want to use to see your account details.
Get Ready to Change the Way You Pay
Now you can experience a fast, easy and secure way to make your everyday purchases with the RBC Mobile app and Apple Pay
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Request Money From Another Person
You can also request money from another individual. To do this, open the Wallet app, select your Apple Cash card, and then tap the Request button. Type the name, email address, or phone number of person from whom youre requesting the money. Then tap Next and enter the amount of money youre requesting from this person.
Tap the Request with Messages button to open the request in the Messages app. A small card will appear showing the amount being requested. Type a message if you wish, then tap the arrow to send the text.
The other person will then receive the request on their end. They must tap the Pay button to approve the transfer of money. The amount owed is listed at the bottom of the screen, allowing the person to alter the final amount. Tapping the Pay button again will set the amount of money to be transferred.
A text message can then be written alongside the transfer. The sender must tap the arrow button to send the message and double-press the side arrow to activate and authenticate the transfer.
On your end, open the text message notifying you of the sent money. You can then open the Wallet app, select your Apple Cash card, and then look at the latest transactions to confirm the transfer.
Find Your Monthly Balance
The monthly balance includes all of your spending in a calendar month , interest charges, and credits posted to your account. It also includes any remaining balance from the previous month. If you have Apple Card Monthly Installments,2 your monthly balance includes your interest-free monthly installment. When you pay the monthly balance, it stops additional interest charges on your account.
If you already paid some of your monthly balance, your remaining monthly balance is shown. If you pay off your monthly balance each month by the due date, you aren’t charged interest.
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