Banks in Germany with Apple Pay (Full List) | Finder Germany

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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

*Note: Not every provider in the below list is licenced as a “bank”.

Bank / ProviderApple Pay supported
Advanzia BankYes
American ExpressYes
Augsburger AktienbankYes
Bank of AmericaYes
Deutsche BankYes
Fidor BankYes
Hanseatic BankYes
MLP BankingYes
02 BankingYes
PSD BankenYes
Solaris BankYes
Sparda BankYes
Triodos BankYes
Viva WalletYes
Wise (formerly TransferWise)Yes

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

Data updated regularly
Name Product Monthly fee Card delivery Supported currencies Mobile payments
Norisbank Current Account Plus
5-7 working days


Apple Pay, Google Pay
Put control at your fingertips with premium banking features such as requirement-free credit facility and contactless transactions.
Comdirect Bank Current Account


Apple Pay, Google Pay
A current account with no minimum incoming funds. Includes a free Visa credit card and free cash withdrawals worldwide.
VIABUY Prepaid Mastercard
VIABUY Prepaid Mastercard
3-5 business days


Apple Pay, Google Pay
VIABUY Prepaid Mastercard comes with no line of credit and it does not require credit checks.
O2 banking Current Account
O2 banking Current Account
3-5 business days


Apple Pay, Google Pay
A free current account where you can withdraw and deposit cash in over 10,000 partner branches without minimum purchase.

Compare up to 4 providers

Data updated regularly
Name Product Monthly fee Card delivery Supported currencies Mobile payments
bunq easyTravel Personal
Up to working 10 days


Apple Pay, Google Pay, Fit bit Pay
A no monthly-fee card that lets you travel and spend globally using the real exchange rate. Security controls and simple payments.
N26 Standard
Up to 10 working days


Apple Pay, Google Pay
Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Fidor Smart Current Account


Apple Pay
A mobile current account with real-time notifications on your transactions. Includes a digital Mastercard with mobile payment and a Smart Banking app.
N26 You
Up to 10 working days


Apple Pay, Google Pay
A smart IBAN account with no currency conversion fees, complimentary insurances and no ATM fees here or abroad.

Compare up to 4 providers

Please note these products are not licenced as banks. Check our product review pages for details.
Data updated regularly
Name Product Monthly fee Card delivery Supported currencies Mobile payments
Revolut Metal
Up to 3 working days


Apple Pay, Google Pay
A premium account with an exclusive Metal card featuring insurances, cashback, concierge service, cryptocurrencies and more.
Revolut Standard
Up to 9 working days


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.
Revolut Premium
Up to 3 working days


Apple Pay, Google Pay
A combined current account and IBAN account with unlimited free currency conversions and international transfers in over 25 currencies.
Monese Premium
Up to 3 working days


Apple Pay, Google Pay
A premium card with no fee for international payments, no foreign currency fees and unlimited ATM withdrawals at home and abroad.

Compare up to 4 providers

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