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 lets you make contactless purchases in-store or online using just your iPhone or Apple device. Learn how it 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.

Banks with Apple Pay in Ireland

Bank / ProviderApple PayGoogle Pay
AIBYesYes
An PostYesYes
Bank of AmericaYesNo
Bank of IrelandYesYes
bunqYesYes
Credit unionsYesNo
CitibankNoYes
CurveYesYes
EML MoneyYesYes
iCardYesNo
KBCYesYes
MoneseYesYes
N26YesYes
PayacNoYes
PaysafeNoYes
PayseraYesNo
Permanent TSBYesNo
PleoYesYes
RevolutYesYes
SumUpYesNo
Ulster BankYesYes
Viva WalletYesYes
Wise (formerly TransferWise)YesYes
Zen.comYesYes

What is Apple Pay?

Apple Pay is a digital wallet that securely stores your debit or credit card information within the app. It 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 it 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. 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. Go 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.

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, 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.

How much do banks charge to use Apple Pay?

Using your bank card through Apple Pay will cost you the same as if you used the actual card contactlessly. At the moment only Ulster Bank and Bank of Ireland charge you for contactless payments in stores (1 cent), but it’s always best to double check any charges with your bank.

If you use Apple Pay ‘in app’ to pay for something online, your bank will also apply its normal card transaction fee. And if you’re in a non-Euro country your bank will charge its usual card fees for Apple Pay purchases in non Euro currencies.

Is it 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 an Apple Watch you don’t even need your phone to make purchases, so you can travel even lighter. So, for example, if you’re going for a run and don’t want to have to carry your phone with you, you can still buy 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 Maintenance fee Fee period ATM transaction fee
VIALET Current Account
0 €
Monthly
€2 + 2% per withdrawal
An IBAN account you can use to manage your money and spend in over 200 countries worldwide, fee-free.
N26 Bank Account
0 €
Monthly
€2 per withdrawal
Benefit from no monthly fee, no currency conversion fees and a raft of in-app budgeting features to help you save.
Wirex Standard
0 €
Monthly
2% per withdrawal

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 €
Monthly
€0.50 + 1.75% per withdrawal
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 Standard
0 €
Monthly
€1 + 2% per withdrawal
Enjoy no monthly fee, no currency conversion fees up to €1,000 per month and hold an array of currencies in your account.
AIB Student Account for 2nd Level Students
0 €
Monthly
€0
A current account for students aged between 12 and 18 years, who are in part time or full-time second level education. If you apply for a debit card, AIB will cover the annual Government Stamp Duty.
loading

Compare up to 4 providers

More guides on Finder

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com 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
Finder.com 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 finder.com 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