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Banks with Apple Pay in Germany

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

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 card. Learn how Apple Pay works, how to set it up and how it compares to other digital wallet solutions in this guide, plus see a comprehensive list of the German banks that currently offer Apple Pay.

Banks that support Apple Pay in Germany

Bank / AnbieterSamsung PayApple PayGoogle Pay
1822direktYesNoYes
Advanzia BankNoYesYes
American ExpressNoYesNo
Augsburger AktienbankNoYesYes
BarclaycardNoYesYes
Bank of AmericaNoYesNo
BBBankNoYesNo
boon.NoNoYes
bunqNoYesYes
BW-BankNoNoYes
C24NoYesYes
comdirectYesYesYes
CommerzbankYesYesYes
ConsorsbankNoYesYes
CrosscardNoYesNo
CurveNoYesYes
Deutsche BankYesYesNo
DKBYesYesYes
Fidor BankYesYesNo
FleetmoneyNoYesNo
Hanseatic BankNoYesYes
HVBNoYesNo
iCardNoYesNo
INGNoYesYes
KlarnaNoYesYes
Kontist YesYesYes
LandesbankNoYesYes
LBBNoYesYes
LBBWNoYesNo
MLP BankingNoYesNo
MoneseNoYesYes
N26YesYesYes
NetbankNoYesYes
NorisbankNoYesNo
Nuri (Bitwala)YesYesYes
02 BankingNoYesNo
OLBNoYesNo
OpenbankYesYesYes
PentaNoNoYes
PleoNoYesYes
PSD BankenNoYesNo
QontoNoNoYes
RevolutNoYesYes
Solaris BankNoYesNo
Sparda BankNoYesNo
SparkasseNoYesNo
StaxterNoNoYes
StocardNoYesNo
TomorrowYesYesYes
Triodos BankNoYesNo
ViabuyNoYesNo
VIMPayNoYesYes
Viva WalletNoYesYes
Vivid MoneyNoNoYes
Volkswagon Financial ServicesNoNoYes
Wise (formerly TransferWise)NoYesYes
Zen.comNoYesYes

What is Apple Pay?

Apple Pay is a digital wallet that securely stores your debit or credit card information within the app. Apple Pay can replace your physical debit card, meaning you can go out with just your phone and still make purchases. You can use the app to make contactless payments in-store and online using just your iPhone or Apple device, such as an Apple Watch.

How does Apple Pay work?

In simple terms, Apple Pay is a digital version of your existing wallet. By downloading Apple Pay, you can make purchases with your phone by tapping the terminal in the same way that you’d use your debit card to make a contactless payment. Because all your card information is securely stored within the app, it’s very similar to using your physical debit card to tap and go.

To get a bit more technical, Apple Pay uses a near-field-communication (NFC) chip within your smartphone or Apple device to connect to a terminal in replace of your debit card. This chip communicates to a merchant’s point of sale payment terminal and enables the payment to be processed in the same way that a debit card works. This process all happens within seconds of tapping your smartphone or Apple device on the terminal.

How to set up Apple Pay

Setting up Apple Pay is much easier than you’d think. You just need to follow these two simple steps:

  1. Ensure you have an eligible device and debit card. To set up Apple Pay, you’ll first need to make sure you have an eligible phone (iPhone 6 generation or above) as well as an eligible debit card from a participating bank.
  2. Add your card. Navigate to Wallet within your iPhone and click the blue plus sign to add a new card. Add in your card security details, and your bank will verify your details. Once this has been verified, your card will appear within the Wallet and you can start using Apple Pay. Easy!

How do I use Apple Pay?

In order to verify the transaction, you’ll be required to use your fingerprint or face ID when making payments with Apple Pay. Just like the simple set-up process, this is less complicated than it sounds. If you’re using an iPhone 8 or earlier device, when making a payment with Apple Pay, you need to open the Wallet, rest your finger on the Touch ID reader (the middle button on your phone) and hover your phone above the payment terminal. The payment will be made with your default card unless you select to use another.

Face ID on iPhone X works in a similar way, except instead of using your fingerprint you need to double-click the side button on your phone then look at the Face ID symbol on the screen. Your phone will register that it’s you, and then enable you to make a payment by again hovering your phone above the contactless terminal. This may sound fiddly and complicated, but it actually only takes a couple of seconds in total.

Is Apple Pay safe?

Yes! Apple Pay uses a number specific to your device in combination with a unique transaction code when you make a purchase. This means that your debit card details, such as the card number and expiry date, aren’t actually stored on your device or by Apple. Plus, you need to use Touch ID or enter a PIN number each time you make a payment with Apple Pay.

In many ways, it’s actually safer than using your physical debit card to make purchases. You can easily misplace your debit card or leave it visible for people to copy the card number. However, most people need to enter a PIN number to unlock their smartphone, or even require their own fingerprint to unlock their phone. On top of this, you’re required to use Touch ID, Face ID or enter a PIN when making a payment.

How do I use Apple Pay on my Apple Watch?

With Apple Watch, you can make payments with the flick of your wrist. The benefit of an Apple Watch is that you can travel even lighter, meaning you can still make purchases without your physical wallet or even your phone. An example of when an Apple Watch would be handy is if you’re going for a run and you don’t want to have to carry your phone with you, but you’d like to be able to purchase a post-run coffee.

To use Apple Pay on your Apple Watch, you’ll first need to add your card to the watch. You can do this via the Apple Watch app on your iPhone. Once your card is successfully added, you can use your Apple Watch to make purchases. You need to double-click the side button on the watch and hover the screen above the EFTPOS terminal. You’ll feel a slight tap or vibration, meaning that your purchase has been successful.

Compare debit cards with Apple Pay

Name Product Management Fee Card delivery Supported currencies Mobile payments
TARGOBANK Online-Account
3.95 €
N/A

1

Apple Pay, Google Pay
An online current account that comes with a Visa credit card. Free online transfers and free cash withdrawals at more than 3,000 ATMs.
1822MOBILE Current Account
1822MOBILE Current Account
0 €
N/A

1

Apple Pay, Google Pay
Free account management, €20 when you open an account, up to €100 referral bonus and a free savings bank card: your current account 1822MOBILE offers all of this.
DKB-Cash: Free current account
0 €
Up to 7 business days

1

Samsung Pay, Apple Pay, Google Pay
A current account with fees that comes with a free Visa credit card and free cash withdrawals worldwide.
Norisbank Top Current Account
0 €
5 to 7 working days

1

Apple Pay
Benefit from a 0 € account fee, free Maestro card and free cash withdrawals from thousands of locations worldwide.
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Compare up to 4 providers

Please note these products are not licenced as banks. Check our product review pages for details.
Name Product Management Fee Card delivery Supported currencies Mobile payments
Revolut Standard
0 €
Up to 9 working days

27

Apple Pay, Google Pay
Enjoy no monthly fee, no currency conversion fees up to 1.000 £ per month, and the ability to hold over 15 currencies in your account.
Wirex Standard
0 €
Up to 4 business days

12

Apple Pay, Google Pay

Get a Welcome Bonus of $15 USD in WXT when you sign up with Wirex through Finder.

Benefit from an array of digital payment features, including a free prepaid Wirex card and unlimited fee-free transfers at interbank rates - with zero monthly subscription fee.
Wise Multicurrency Account
0 €
Up to 14 working days

19

Apple Pay, Google Pay
Wise (formerly TransferWise) is an international account with over 50 currencies, instant and very convenient money transfers, a card to spend in any currency, bank details to be paid in 30 different countries and multi-currency direct debits.
Revolut Plus
2.99 €
Up to 9 working days

25

Apple Pay, Google Pay
Enjoy purchase, event ticket and returns protection, plus other innovative features with this lower-priced subscription plan.
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Compare up to 4 providers

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