I agree. But I do not think that Lloyd’s are the only ones to restrict Apple-pay. I opened an account with Starling bank a couple of years ago (closed it since) and they restricted Apple Pay to £500. It may have changed now though.I find it silly that Lloyds would restrict it, Apple Pay is the most secure payment method there is if I am not mistaken. It can't be skimmed like using a physical card, you need your fingerprint or face to be able to use it, opposed to someone to guessing a PIN or just having the physical card in their possession - makes no sense why they'd do that, to me at least.