Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

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
Advanzia BankNoYesYes
American ExpressNoYesNo
Augsburger AktienbankNoYesYes
Bank of AmericaNoYesNo
Deutsche BankYesYesNo
Fidor BankYesYesNo
Hanseatic BankNoYesYes
Kontist YesYesYes
MLP BankingNoYesNo
Nuri (Bitwala)YesYesYes
02 BankingNoYesNo
PSD BankenNoYesNo
Solaris BankNoYesNo
Sparda BankNoYesNo
Triodos BankNoYesNo
Viva WalletNoYesYes
Vivid MoneyNoNoYes
Volkswagon Financial ServicesNoNoYes
Wise (formerly TransferWise)NoYesYes

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 €


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 €


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


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


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

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


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


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


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


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

Compare up to 4 providers

More guides on Finder

  • Banking mit Google Pay in Deutschland

    Welche Banken in Deutschland bieten Karten an, die mit Google Pay kompatibel sind?

  • Ria Money Transfer Erfahrungen

    Learn how Ria Money Transfer, the third-largest provider of international money transfers in the world, may help you get more money to your destination with competitive exchange rates and low fees.

  • Banken mit Samsung Pay

    Alles Wissenswerte über Samsung Pay. Installation, Funktionsweise, Sicherheit und Vergleich zu anderen beliebten Zahlungs-Apps.

  • Banken mit Apple Pay

    Überprüfe, ob deine Bank Apple Pay anbietet und erfahre, wie Du die digitale Wallet für kontaktlose Zahlungen einrichten und verwenden kannst.

  • How do we pick the top money transfer services?

    Our top picks are our selection of the best money transfer services, based on our extensive research and market experience. Here’s how we choose them.

  • How to set up Disney+ on iOS devices

    Your Apple device is ready for all the Disney+ streaming action.

  • How to set up Disney+ on Android devices

    This new subscription service is ready for use on your favourite Android device. Here’s how to set up Disney+ on your smartphone or tablet.

  • PayPal internationale Geldtransfers Bewertung

    PayPal ermöglicht es Ihnen, Geld an Freunde und Familie auf der ganzen Welt zu senden. Mit der Fähigkeit mehr als 20 Währungen in über 200 Ländern zu senden, bietet dieses digitale Zahlungsunternehmen schnelle und bequeme internationale Geldtransfers.

  • Western Union Geldtransfer Bewertung

    Mit über 500.000 Vertriebsstandorten weltweit und zahlreichen davon allein in Deutschland ist das Senden von Geld ins Ausland mit Western Union einfach und schnell.

  • Where to stream WWE 2021 events and matches in Germany

    WWE has a loyal and passionate fan base in Germany. Here’s how to keep up with both the brand’s shows and big pay-per-view events.

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • 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 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 Policy and Terms.

Questions and responses on 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