finder.com
US
AU
NZ
UK
CA
SG
More

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

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.

Alison Banney
Alison Banney

&

Shannon Terrell
Shannon Terrell

Updated

Fact checked

Finder’s pick for Apple Pay: Chase Total Checking

Chase Total Checking logo

$0

Deposit to Open

  • $200 sign up bonus
  • 24/7 customer service
  • Access to 16,000 ATMs
Go to site

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
Bank of AmericaNoNoNo
BarclaysNo
Bank of the WestNoNoNo
BBVA CompassNoNoNo
Capital OneNoNoNo
ChaseNoNoNo
CitiNoNoNo
DiscoverNoNoNo
Green DotNoNoNo
HSBCNoNoNo
PNCNoNoNo
SynchronyNoNoNo
USAANoNoNo
US BankNoNo
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

Use the table to compare banks that offer Apple Pay. Sort the columns by minimum deposit, ATM fees and more. If you want to compare several banks side-by-side, click the “Compare” box next to your top picks.

Name Product Minimum deposit to open ATMs Out-of-network ATM fee
M&T Bank MyChoice Premium Checking
M&T Bank MyChoice Premium Checking
$25
Over 1,500 free M&T Bank ATMs and up to $2 rebates when using all other ATMs
$0
Get up to $250 if you open a MyChoice Premium M&T checking account by March 2, 2020, and make qualifying direct deposits totaling at least $500 within 90 days of account opening.
More Info
Chase Total Checking
Chase Total Checking
$0
Access to 16,000 ATMs and nearly 4,900 branches nationwide
$2.50
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 4,900 branches. Available online nationwide except in Alaska, Hawaii and Puerto Rico.
Go to site
More Info
BBVA Online Checking
BBVA Online Checking
$25
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
$3
A full-service account with convenient, surcharge-free access to two massive ATM networks, plus a $200 signup bonus when you meet deposit requirements
Go to site
More Info
Chase Sapphire Checking
Chase Sapphire Checking
$0
Free to use anywhere worldwide
$0
Get a $1000 welcome bonus when you join Sapphire Banking. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
More Info
TD Beyond Checking
TD Beyond Checking
$0
1,900 ATMs across the country and Canada
$0
A checking account that offers interest plus three ways to waive the monthly fee, two overdraft paybacks a year and no ATM fees with a $2,500 balance.
Go to site
More Info
loading

Compare up to 4 providers

Name Product Filter values Rewards Purchase APR Annual fee
Blue Cash Everyday® Card from American Express
Blue Cash Everyday® Card from American Express
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
$0
Apply now
View details
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
Chase Freedom Flex℠
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
0% intro for the first 15 months (then 14.99% to 23.74% variable)
$0
Apply now
View details
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
15.99% to 22.99% variable
$95
Apply now
View details
Earn a huge signup bonus worth $1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
Apply now
View details
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Blue Cash Preferred® Card from American Express
Blue Cash Preferred® Card from American Express
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.99% to 23.99% variable)
$0 intro annual fee for the first year ($95 thereafter)
Apply now
View details
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
loading

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.

Frequently asked questions

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site