{"id":824109,"date":"2019-12-18T15:35:08","date_gmt":"2019-12-18T20:35:08","guid":{"rendered":"https:\/\/www.finder.com\/ca\/?p=824109"},"modified":"2026-04-20T14:11:49","modified_gmt":"2026-04-20T18:11:49","slug":"apple-pay-banks","status":"publish","type":"post","link":"https:\/\/www.finder.com\/ca\/digital-banking\/apple-pay-banks","title":{"rendered":"Guide to Apple Pay in Canada"},"content":{"rendered":"

Apple Pay is a secure mobile payment solution that enables you to make purchases using your Apple device without needing a physical card. The service is supported by a growing number of banks and credit unions, making it a convenient option for contactless payments.<\/p>

Keep reading to learn how Apple Pay works, how to set it up and which financial institutions in Canada are compatible.<\/p>

What is Apple Pay?<\/h3>

Apple Pay is a mobile payment service within the Apple Wallet app that allows you to make secure, contactless payments using your Apple device, such as an iPhone, Apple Watch, iPad or Mac.<\/p>

Instead of swiping a physical debit or credit card, you can simply hold your device near a payment terminal that supports contactless payment or use it for online and in-app purchases.<\/p>

Does Apple Pay work in Canada?<\/h3>

Yes, Apple Pay is widely available in Canada and supported by most major banks and credit unions. However, not all card types are compatible with Apple Pay.<\/p>

Banks and credit unions that are compatible with Apple Pay in Canada<\/h3>
Bank <\/b><\/th>Apple Pay<\/b><\/th>Samsung Pay<\/b><\/th><\/tr><\/thead>
1st Choice Savings<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Acadian Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Access Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Advance Savings Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Affinity Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
American Express<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Assiniboine Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
ATB Financial<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Bank of America and BofA Securities \u2013 Commercial Cards<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Bank of America (Merrill Lynch)<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
Bank of Montreal<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Bayview Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Beaubear Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Beem (formerly Gulf and Fraser Fishermen\u2019s Credit Union)<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
Biggar & District Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Blackville Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Bow Valley Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Brightside<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
Brim Financial<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Caisse Populaire de Clare<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Cambrian Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Canadian Tire (Mastercard credit cards)<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
Cape Breton Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Chinook Financial<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Churchbridge Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
CIBC (Interac debit cards, Mastercard and Visa credit cards)<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Citibank<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Coastal Financial Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Coast Capital Savings Credit Union<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
Collabria Financial Services, Inc<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Community Credit Union Ltd<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Community Credit Union of Cumberland Colchester Ltd<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Conexus Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Consolidated Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Copperfin Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Cornerstone Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Crossroads Credit Union<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
CUA<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Desjardins<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
Dodsland and District Credit Union Limited<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
Dominion Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Eagle River Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
East Coast Credit Union Ltd<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
EasternEdge Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Edam Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Enderby & District Financial, a division of Tru Cooperative Bank<\/td>\u274c<\/td>\"No\"<\/td><\/tr>
Envision Financial, a division of Tru Cooperative Bank<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Evangeline-Central Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
First Calgary Financial<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Flin Flon Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Foam Lake Savings & Credit Union<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
Fusion Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Glace Bay Central Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Hamilton Sound Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
HSBC (Mastercard credit cards)<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Innovation Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
iNova Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Interior Savings Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Island Savings, a division of Tru Cooperative Bank<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Kerrobert Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Khalsa Credit Union (KCU)<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Kingston Community Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
KOHO<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
LaHave River Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Leading Edge Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Libro Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Luseland Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Macklin Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Mainstreet Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Malpeque Bay Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
MBNA<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Manulife<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Morell Credit Union Ltd<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Motor City Community Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Mountain View Financial<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
National Bank of Canada<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
NBTA Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Neo<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
Newfoundland and Labrador Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
New Ross Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
New Waterford Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Northern Savings Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
North Sydney Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
OMISTA Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Oshawa Community Credit Union<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
PC Financial<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
PenFinancial Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Peoples Trust Company<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Prairie Centre Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Princess Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Progressive Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Prospera Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Provincial Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Provincial Government Employees Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Public Service Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Radius Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Raymore Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Rocky Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Royal Bank of Canada (RBC)<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Reddy Kilowatt Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Rogers Bank<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
SASCU (Salmon Arm Savings and Credit Union)<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Scotiabank<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Servus Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Simplii Financial<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Souris Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Steinbach Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
St. Joseph\u2019s Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Stoughton Credit Union Ltd<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Sunova Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Sydney Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Synergy Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Tandia Financial Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Tangerine<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
TD Bank<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Teachers Plus Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Tignish Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Thread Bank<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
Ukrainian Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Unity Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Valley Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Valley First \u2013 Enderby, a division of Tru Cooperative Bank<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Vancity<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
VantageOne Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Venture Credit Union Limited<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Victory Credit Union<\/td>\"No\"<\/td>\u274c<\/td><\/tr>
Westminster Savings Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Weyburn Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
Windsor Family Credit Union<\/td>\"No\"<\/td>\"No\"<\/td><\/tr>
YNCU (Your Neighbourhood Credit Union)<\/td>\"No\"<\/td>\"No\"<\/td><\/tr><\/tbody><\/table>

*The information presented in this table is accurate as of July 6, 2025.<\/small><\/p>

How to add a debit or credit card to Apple Pay<\/h3>

Set up a debit or credit card on your iPhone in just a few steps:<\/p>

  1. Open Apple Wallet<\/strong> on your iPhone and tap the \u201c+<\/strong>\u201d button at the top.<\/li>
  2. Scan the front of your debit or credit card by positioning it in the frame or enter the details manually.<\/li>
  3. Tap Next<\/strong>.<\/li><\/ol>

    Your card provider may send you an activation code to verify your information. If applicable, select your verification method and enter the code when you receive it.<\/p>

    Once your card is verified, you\u2019ll be able to make payments through Apple Pay.<\/p>

    Can you use Apple Pay at an ATM in Canada?<\/h3>

    Yes, you can use Apple Pay at some ATMs in Canada, but only if the ATM supports NFC (near field communication) or cardless withdrawals. This feature isn\u2019t widespread in Canada yet, so in most cases, you\u2019ll still need your physical debit card to withdraw cash from your chequing account<\/a>.<\/p>

    Is Apple Pay safe?<\/h3>

    Yes. Apple Pay takes a number of measures to keep sensitive data safe. This includes tokenization, which replaces your actual card number with a unique device-specific code, and biometric authentication (Face ID or Touch ID) or a passcode to authorize each transaction.<\/p>

    It doesn\u2019t retain any transaction information or store the card numbers you use with Apple Pay either. And it encrypts all sensitive data transmitted through Apple\u2019s servers.<\/p>

    Features of Apple Pay<\/h3>

    Apple Pay offers a range of features designed to make payments faster, more secure and more convenient, including:<\/p>

    Contactless payments<\/h4>

    Make secure in-store purchases by holding your iPhone or Apple Watch near a payment terminal that supports contactless payments.<\/p>

    Online and in-app purchases<\/h4>

    Use Apple Pay to pay quickly and securely on websites and in apps without manually entering your card details for every purchase.<\/p>

    Biometric authentication<\/h4>

    Authenticate payments using Face ID, Touch ID or a device passcode for added security and convenience.<\/p>

    Multi-device sync<\/h4>

    Use Apple Pay across all your Apple devices \u2014 including iPhones, Apple Watches, iPads and Macs \u2014 once you\u2019ve added your card to your Apple Wallet.<\/p>

    Loyalty and rewards cards<\/h4>

    Add select loyalty programs or rewards cards to your Apple Wallet and use them with Apple Pay at participating retailers.<\/p>

    Transit support<\/h4>

    In many cities, you can add your transit card to your Apple Wallet and use Apple Pay to tap and ride on public transit.<\/p>

    International use<\/h4>

    Apple Pay works in many countries and currencies, so you can use it wherever contactless payments are accepted.<\/p>

    Apple Pay vs Google Pay vs Samsung Pay \u2014 what\u2019s the difference?<\/h3>

    Apple Pay, Google Pay and Samsung Pay are all mobile payment systems that let users make contactless purchases using their smartphones, smartwatches, tablets or laptops. All three services use encryption and biometric authentication to keep in-store, in-app and online transactions secure.<\/p>

    The main difference between the three is the type of device they\u2019re available on. Apple Pay is only available on Apple devices, Google Pay works on both Android and iOS and Samsung Pay is exclusive to Samsung devices.<\/p>

    Bottom line<\/h3>

    With Apple Pay, you can make contactless payments using your iPhone, iPad, Apple Watch and Mac computer. But it\u2019s only available on Apple devices and not all debit and credit cards are compatible. Compare some of the best banks<\/a> and accounts that are compatible with Apple Pay in Canada to ensure seamless and convenient transactions.<\/p>

    Frequently asked questions about Apple Pay in Canada<\/h3>