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 Ireland
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 Irish banks that currently offer Apple Pay.
Compare debit cards with Apple Pay
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.
Banks that offer Apple Pay in Ireland
See the Irish banks that offer Apple Pay here
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:
- 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.
- 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.
More guides on Finder
Revolut promo codes for January 2021
Check out what Revolut offers and see if you can save more on this digital bank with discount codes and deals.
How to sign up to DAZN Ireland: A step-by-step guide
You’ll be able to watch exciting boxing events within minutes on streaming site DAZN.
What you need to know about contactless payments in Ireland
Making contactless payments are simple. But are they safe and which banks offer tap-and-go technology? Find out in this guide.
Switching banks in Ireland
Fancy switching banks? Let your new bank help you make the switch to a new bank account.
How to buy stock in Snowflake (SNOW) in Ireland
Learn how to invest in Snowflake in Ireland.
Neat Business review
Learn how Neat works in Ireland and what your business stand to gain with their e-payments platform.
TransferWise account for e-commerce sellers review
Receive payments in five local currencies and convert them to dozens of others using one account.
Selling on Shopify vs Etsy
This guide for online sellers compares Shopify and Etsy side by side to find out which platform is easiest to use and offers the best value for money.
PayPal for ecommerce sites review
Learn about the pros and cons of using PayPal to convert your online seller profits into euros in this detailed review.
How to sell on Zazzle
If you want to start selling on Zazzle, check out our guide to setting up a store, creating products, promotions and marketing, and getting paid.
Ask an Expert