What you'll need to set up Apple Pay
Most smile 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 (1st generation)
- Mac models with Touch ID
- Mac models introduced in 2012 or later with an Apple Pay-enabled iPhone or Apple Watch.
Add a card to your device
You'll need to have Apple iOS 8.3 or later installed on your device.
To add a card, you'll need to:
- open the Apple Wallet and press '+'
- select 'Add credit or debit card'
- choose from either 'Use card on file for iTunes' or 'Use a different credit or debit card'
- enter your card details into the next screen, or use your phone's camera to scan the card
- enter the 3-digit security number found on the back of your card
- read and accept the terms and conditions
- you'll need a 6-digit verification code to complete the next stage. Let us know if you want to receive this by text or email
- enter the 6-digit verification code we send to you
- your set up is complete.
We'll never share the contact information you've given us with third parties, including Apple.
Make a payment
If you're in a store that accepts Apple Pay, swipe your Apple device across a contactless card reader - just like you would with a contactless credit or debit card.
If you're buying something online, your Apple Wallet will already have your card's details available when you make a purchase. It saves you typing your card details out online, or scanning your card in each time you visit.
Frequently asked questions
If you need help with Apple Pay, our frequently asked questions may help.
Why payments might be declined
How secure are wallet payments?
What do I do if I have lost or had stolen my card or device?
Payment limits for digital wallet payments
Can I use wallet payments outside the UK?
If I get a new or replacement card do I have to update my Apple pay?
How are Apple pay refunds processed?
Do I get the same benefits of my credit or debit card if I use Apple pay?
I'm a joint account customer how can I register for Apple pay?
Why payments might be declined
Providing you have enough funds in your account and there's no fault with the merchant's terminal, it might be best that you contact us on 03457 212 212 . Lines are open 8am - 6pm Monday to Friday, 9am - 5pm Saturday and Sunday. (call charges)
What do I do if I have lost or had stolen my card or device?
Call us immediately on 0345 600 6000 (call charges) and we will cancel the card, order you a replacement card and automatically update your card in the Wallet the next working day. Lines are available 24 hours a day, 7 days a week.
If you have lost your Apple device or believe it has been stolen you should report this to Apple. You should go to your iCloud account or Find my iPhone app and from here you can put the device in lost mode which will prevent any use of the card from the device.
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 smile Bank's card charges outside the UK.
If I get a new or replacement card, do I have to update my Apple Pay?
If a new or replacement card is issued, your Apple Pay should update automatically. You do not have to update your card information yourself.
If, for some reason, the card doesn’t update automatically, you need to call us. For debit card enquiries call us on +44(0)3457 212 212, or for credit card enquiries call us on +44(0)345 600 6000, to speak to a member of our customer service team. We’re available from 8am-8pm, 7 days a week (call charges).
How are Apple Pay refunds processed?
Apple Pay refunds are processed just like any other refund.
Do I get the same benefits of my credit or debit card if I use Apple Pay?
You'll still be able to get the same credit card benefits that you receive with use of your physical card, as well as getting the same rates and charges on payments in the UK and outside the UK.
I’m a joint current account holder. Can I register for Apple Pay?
Both account holders will need to register their debits cards separately, but the funds will come out of the same joint account. The Apple Pay Wallet will be available to use, for both of you once you’ve registered.