At last, it’s here.
Nine months after Apple Pay launched in the UK and after a series of missed deadlines and broken promises, Barclays customers can now use Apple’s mobile wallet.
What does that mean if you bank with Barclays? And how do you go about setting it up?
Read on and we’ll answer all the key questions about this long overdue launch.
I’m a Barclays customer, will my iPhone work with Apple Pay?
To use Apple Pay to make in–store transactions with your iPhone, you’ll need to have an iPhone 6, iPhone 6s, iPhone 6s or iPhone 6s Plus.
Apple’s new iPhone SE also works with the service.
The iPhone 5s, despite having fingerprint scanning technology, does not have the NFC chip needed to make contactless payments.
To use Apple Pay on an iPhone 5s, you’ll need to pair it with an Apple Watch.
iPad Air 2 and iPad mini 3 owners can use Apple Pay to pay for goods within apps, but not in shops.
Do I need to update my iPhone?
No. If you’re a Barclays customer, you only need to open the Wallet app on your iPhone and have your card to hand.
Scan it or enter the details and Apple will securely add your card to its system and you can then use your phone to pay for goods at contactless terminals and when using Oyster on London Underground.
How safe is it?
Very. Apple doesn’t store your card details and creates a new, randomised number for every transaction you make.
Throw in the Touch ID fingerprint scanner, which only you can use, and it’s much more secure than someone using a debit or credit card to make a contactless payment.
Is there a limit to how much I can spend?
Most stores view Apple Pay as a contactless card, despite its fingerprint scanning tech offering added security.
That means that you’re limited to £30 transactions. Some shops will let you spend more, including Apple’s own stores.
Plans are afoot to ditch this limit, but only when new payment terminals are introduced to shops which support Apple Pay.
Will my Barclays account work with Apple Pay?
Barclays says that anyone with a personal, premier or wealth debit card can use Apple Pay.
However, business, corporate and basic current account cards won’t work with the service and neither will cashpoint–only cards.
The good news is that Barclaycard will also work with Apple Pay, something which many had assumed would not be the case.
What took Barclays so long?
It hasn’t said, but it’s likely that its own bPay mobile payment service is behind the lengthy delay.
While that still exists, it’s facing a huge fight to stay relevant with Apple Pay becoming ubiquitous and Google’s Android Pay system set to launch in the UK in the next few months.
The main thing is that after months of delays, Barclays customers can at last use Apple Pay.