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Banks you can use Apple Pay with

Check if your bank offers Apple Pay and learn how to use the digital wallet to make contactless purchases.

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Alison Banney

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Shannon Terrell
Updated
Fact checked
Apple Pay is a digital wallet that allows you to make contactless purchases in store or online using just your iPhone or Apple device, without your physical debit or credit card. Learn how Apple Pay works and how it compares to other digital wallet solutions in this guide.

US banks that offer Apple Pay

Apple Pay supports thousands of banks. This table breaks down 17 US banks that work with Apple Pay compared to other popular digital wallets, such as Samsung Pay and Google Pay.

Bank Apple PaySamsung PayGoogle Pay
American ExpressNoNoNo
Axos BankYesYesYes
Bank of AmericaNoNoNo
BarclaysNo
Bank of the WestNoNoNo
BBVA CompassNoNoNo
Capital OneNoNoNo
ChaseNoNoNo
ChimeYesYesYes
CitiNoNoNo
DiscoverNoNoNo
Green DotNoNoNo
HSBCNoNoNo
M&T BankYesYesYes
Marcus by Goldman SachsYesYesYes
NationwideYesYesYes
OnJunoYesYesYes
PNCNoNoNo
RevolutYesYesYes
SquareYesYesYes
SynchronyNoNoNo
SoFiYesYesYes
USAANoNoNo
US BankNoNoNo
Wells FargoNoNoNo
TD BankNoNoNo

How Apple Pay works

When you use Apple Pay, the near field communication (NFC) chip in your device connects to the card reader, and enables your payment to process the same way it would with a debit or credit card. This allows you to use your device as a contactless payment method instead of having to carry physical cards on you at all times.

How to add a debit or credit card to Apple Pay

Set up a debit or credit card on your iPhone in just a few steps:

  1. Open Apple Wallet on your iPhone and tap the “+” button.
  2. Scan the front of your debit or credit card by positioning it in the frame.
  3. Tap Next.
  4. Your card provider may want to verify your information by sending you an activation code. If applicable, select your verification method. Once you receive it, enter the code.
  5. Once your card is verified, you’ll be able to make payments through Apple Pay.

Can I use Apple Pay if I travel abroad?

Apple Pay works at any store or ATM that accepts contactless payments — no matter where you are in the world. Click the tab to see a full breakdown of countries and regions that support Apple Pay.

Compare accounts compatible with Apple Pay

All of these products can be used with Apple Pay. To get the most value from your digital wallet, consider adding a debit or credit card with rewards on everyday purchases.

Name Product APY Minimum deposit to open ATMs Out-of-network ATM fee
SoFi Money
Finder Rating: 4.6 / 5: ★★★★★
SoFi Money
0.25%
$0
$0
Earn $100 when you set up direct deposit. Save, spend, and earn cash back rewards with this no-fee cash management account.
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View details
Chase Secure Banking℠
Finder Rating: 4.2 / 5: ★★★★★
Chase Secure Banking℠
N/A
$0
Access to 16,000 ATMs and more than 4,700 branches nationwide
$2.50
Chase Secure Banking offers no overdraft services
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View details
OnJuno
Finder Rating: 4.8 / 5: ★★★★★
OnJuno
1.20% on balances of $0 to $50,000
0.25% on balances of $50,000.01+
$0
More than 85,000 ATMs nationwide
$0
A free account for crypto and cash that earns a 1.2% bonus rate plus 5% cashback on purchases from participating retailers.
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View details
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Compare up to 4 providers

Bottom line

With Apple Pay, you can make contactless payments using your iPhone, iPad, Apple Watch and Mac computer. But it’s only available on Apple devices and not all debit and credit cards are compatible.

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