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Apple Pay Apple Pay in the UK

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Been reading through this thread a bit and tried to do some research, couldn't find anything though. Does anyone know if any UK banks already support Apple Pay for cash withdrawals? I saw some Apple Pay cash machines in the US and thought it was quite a good idea!

I currently mostly live in Germany and I'm not in the UK all too often at the moment so I'm not up to date on what the banks offer and what they don't.
 
A

AaronG123

macrumors regular
Aug 5, 2012
140
75
UK
sir-hd said:
Been reading through this thread a bit and tried to do some research, couldn't find anything though. Does anyone know if any UK banks already support Apple Pay for cash withdrawals? I saw some Apple Pay cash machines in the US and thought it was quite a good idea!

I currently mostly live in Germany and I'm not in the UK all too often at the moment so I'm not up to date on what the banks offer and what they don't.
Click to expand...

As far as I am aware; not at the moment... Barclays UK are maybe the closest to supporting, they have started to roll out Android NFC cash withdrawals. However this is limited; ie requires a separate Barclays app (possible working as a cash account not sure), only works in certain branch ATM’s etc.

I would presume the ATM’s would need to be able to link the unique device account number to that person’s bank account in order to work fluidly; ie. be able to verify user, pull account balance etc.

Not sure how the US ones work; however 100% for it and have emailed main U.K. banks in the past about this.
 
N

nicho

macrumors 601
Feb 15, 2008
4,250
3,250
AaronG123 said:
I would presume the ATM’s would need to be able to link the unique device account number to that person’s bank account in order to work fluidly; ie. be able to verify user, pull account balance etc.
Click to expand...

Lots of banks in China support contactless (Apple Pay, Samsung Pay, etc) ATM withdrawals. There's got to be a reason it hasn't gained traction outside of China. I'm going to hazard a guess that not just the banks, but Visa/Mastercard systems will need a big upgrade to make this work.
 
Shanghaichica

Shanghaichica

macrumors G5
Apr 8, 2013
14,725
13,245
UK
So the downside of using Apple Pay is that I’ve actually lost one of my cards but haven’t realised for almost 2 weeks because I’ve been using Apple Pay all the time and haven’t had to use my card.
 
Moccasin

Moccasin

macrumors 65816
Mar 21, 2011
1,005
220
Newcastle, UK
Shanghaichica said:
So the downside of using Apple Pay is that I’ve actually lost one of my cards but haven’t realised for almost 2 weeks because I’ve been using Apple Pay all the time and haven’t had to use my card.[/QUOTE

Fair point, but I have lost or had to recover a debit or credit card from a shop on 2 occasions due to leaving it in a card machine (Tesco) or dropping it after using it on the bus in London. ApplePay reduces that risk as I go into my wallet far less.

When I left my card at Tesco a few months ago, I was pretty sure it was still safe as I knew where I’d last had it & there had been no transaction notifications since. That meant I could risk not reporting it lost/stolen
Click to expand...
 
Last edited:
Shanghaichica

Shanghaichica

macrumors G5
Apr 8, 2013
14,725
13,245
UK
I think I left it in Aldi last week Monday as that’s the last time I used it. However I cancelled it as it’s been almost two weeks now and I was panicky about someone using it although I’ve not seen any transactions on my account that I don’t recognise. I’ve never lost a card before, had my purse stolen about 15 years ago but never lost a card. I think because I’m not really using it in the shops regularly I’ve gotten absent minded about making sure I put it back in my purse.
 
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Reactions: iGeek2014 and Moccasin
Billberryjuice

Billberryjuice

macrumors 6502
Jun 2, 2014
270
192
UK
Shanghaichica said:
So the downside of using Apple Pay is that I’ve actually lost one of my cards but haven’t realised for almost 2 weeks because I’ve been using Apple Pay all the time and haven’t had to use my card.
Click to expand...
Same has happened to me this week! Absolutely no idea what's happened to my card, it could well turn up in my house somewhere but I've cancelled it anyway - when I rang up I also asked for the replacement to be non-contactless as I never use it, and if I manage to lose that one too then my money will be a bit more secure.

Just waiting on Monzo to finally support apple pay now, I'd like it to be my primary card but AP is just too convenient.
 
RDowson

RDowson

macrumors 6502
Original poster
May 22, 2010
301
108
Glasgow, Scotland
Billberryjuice said:
Same has happened to me this week! Absolutely no idea what's happened to my card, it could well turn up in my house somewhere but I've cancelled it anyway - when I rang up I also asked for the replacement to be non-contactless as I never use it, and if I manage to lose that one too then my money will be a bit more secure.

Just waiting on Monzo to finally support apple pay now, I'd like it to be my primary card but AP is just too convenient.
Click to expand...

Non contactless cards can cause issues with Apple Pay so you could find that it won't work.

We have a non contactless Amex and it often doesn't work. Using the actual card with chip and pin will work fine though.
 
d123

d123

macrumors 68020
Oct 19, 2009
2,309
783
Earth
RDowson said:
Non contactless cards can cause issues with Apple Pay so you could find that it won't work.

We have a non contactless Amex and it often doesn't work. Using the actual card with chip and pin will work fine though.
Click to expand...

That’s more likely because it’s Amex.

I’ve had no problems using non-contactless cards with ApplePay.
 
Billberryjuice

Billberryjuice

macrumors 6502
Jun 2, 2014
270
192
UK
d123 said:
That’s more likely because it’s Amex.

I’ve had no problems using non-contactless cards with ApplePay.
Click to expand...
Aye I may be wrong but IIRC my previous card (same account) wasn't contactless and was the first one I used AP with, no problems. We'll see though.
[doublepost=1518714934][/doublepost]
iGeek2014 said:
Misplacing a card is easily done!

Don't some banks allow you to carry on using Apple Pay whilst you're waiting for a replacement?
Click to expand...
I can anecdotally confirm that Lloyds is not such a bank :(
 
I

iGeek2014

macrumors 68020
Jun 29, 2014
2,135
1,103
=== Nowheresville ===
Billberryjuice said:
Aye I may be wrong but IIRC my previous card (same account) wasn't contactless and was the first one I used AP with, no problems. We'll see though.
[doublepost=1518714934][/doublepost]
I can anecdotally confirm that Lloyds is not such a bank :(
Click to expand...

I gave up adding Lloyds to my iPhone a long time ago.

Despite my AmEx (with them) being used on my iTunes account I still have to call to get it added.
 
Moccasin

Moccasin

macrumors 65816
Mar 21, 2011
1,005
220
Newcastle, UK
Shanghaichica said:
I thought the card had to be contactless to work with Apple Pay?
Click to expand...

I thought the same at first but I’ve been using my non-contactless M&S credit card with ApplePay for a year or two now. Problem is I can only use it online and in ApplePay because I use the PIN so little, I keep forgetting it!
 
d123

d123

macrumors 68020
Oct 19, 2009
2,309
783
Earth
Moccasin said:
I thought the same at first but I’ve been using my non-contactless M&S credit card with ApplePay for a year or two now. Problem is I can only use it online and in ApplePay because I use the PIN so little, I keep forgetting it!
Click to expand...

All my cards have the same pin, makes it much easier ;)
 
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