Apple Pay
How to set up and use Apple Pay.
Why use Apple Pay?
Apple Pay is a useful way to pay with your Lloyds Bank debit or credit card. It lets you make everyday payments with your mobile device, wherever you see the contactless or Apple Pay symbols.
- Safe - Security is our priority. When you use Apple Pay with Lloyds Bank, your card details aren’t shared with retailers, stored on your device or shared with Apple servers.
- Simple - Make secure contactless purchases above or below £100 in shops and online, even without your card. Keep in mind that some retailers may limit individual payments to £100.
- Rewarding - If you're currently getting rewards or benefits with your Lloyds Bank debit or credit card, you'll still be eligible to receive these whenever you make a purchase using Apple Pay. This includes benefits such as Everyday Offers on debit card and credit card purchases.
To protect you from fraud, we may restrict the payments you can make using Apple Pay and some retailers may limit payments to £100.
To set up Apple Pay
Mobile Banking app
Scan to download
- Join our 7 million app users.
- Secure log on with a fingerprint or Face ID.
- Stay up to date with notifications.
Frequently asked questions
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If you are using our app to add your card, you won’t have to verify it.
If you are using the Apple Wallet, you can verify your card with a One Time Passcode (OTP), using our app, or by calling us.
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To protect you from fraud, we may restrict the value or number of payments you can make using Apple Pay. Some retailers will also limit individual 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 Lloyds Bank 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, Visa credit cards, 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 Lloyds Bank 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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You do not need to do anything. Your replacement card will be loaded to your Apple Wallet once it has been issued.
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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.
Mobile Banking: Mobile Banking is available to Internet Banking customers. We don’t charge you for Internet Banking but your mobile phone provider may charge for some services. Please check with them. Phone signal and functionality may affect services. Terms and conditions apply.
Mobile Banking app: Our app is available to Internet Banking customers with a UK personal account and valid registered phone number. It’s only available to iPhone and Android users. Minimum operating systems apply, so check the App Store or Google Play for details. Our app does not work on jailbroken or rooted devices. You must register your device.
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.