Apple Pay

Set up and use 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.

A smartphone with the Apple Pay screen within the Lloyds app.

Steps to take

We’ll guide you through it.

  • The easiest way to add your card to Apple Pay is using the mobile banking app.

    1. Log in to the app and choose 'Cards' on the bottom right. Then select 'Apple Pay'.
    2. 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.
    3. Confirm your card details and accept the terms and conditions.
    4. Your card is now added to Apple Pay and you can select this card as your default card.

    1. 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'.
    2. Select 'debit or credit card'.
    3. 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.
    4. Then follow the step-by-step guide.
    5. You may need to verify your card. Select one of the options on screen and follow the instructions.
    6. Your card is now added to Apple Pay and you can select this card as your default card.

Getting started in the app

Mobile banking app

Join our 10 million app users.

  • Simple and secure login.
  • Set up handy notifications.
  • Message us online.

Continue to app

Let’s look at the details

  • If you’re asked to verify your card, you can do so with a One Time Passcode (OTP), using the app or by calling us.

  • 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.

  • Visit the Apple website to check which devices are compatible with Apple Pay and where you can use them to make payments and purchases.

  • Apple Pay works with the majority of Lloyds 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 and Electron cards. You won’t be able to use Apple Pay if you’re under 13 years old.

    Each Apple Pay enabled device can load up to eight cards. As devices don’t share cards, if you want the same card on two different devices, you’ll need to load the card on each device separately.

  • For each Lloyds 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.

  • 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.

  • Report your card as lost or stolen

    You don’t need to do anything. Your replacement card will be loaded to your Apple Wallet once it’s been issued.

    For details on what to do if your Apple device is lost or stolen, visit the Apple website.

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

    Be sure to remove your cards from Apple Pay before you dispose of your device.

View our privacy policy

View terms of use for Apple Pay

You may also like

Everyday Offers

Get up to 15% cashback with selected retailers when you pay by debit or credit card, or by direct debit.

More about Everyday Offers

App notifications

Opt in to notifications about payments, weekly spend summaries or updates as you use your card.

More about app notifications

Save the Change®

Save money on the go when you pay with your Lloyds debit card.

Start saving today

More Card and PIN services

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

Card and PIN guides

More Card and PIN services

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

Card and PIN guides

Important legal information

Mobile banking is available to online banking customers. We don’t charge you for online banking but your mobile phone provider may charge for some services. 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, 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