Banks with Apple Pay in Singapore

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

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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 Singaporean banks that currently offer 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 offering Apple Pay compatible cards in Singapore

Here are the banks in Singapore that offer a Apple Pay compatible card:

BankApple PayGoogle PaySamsung Pay
DBSNoNoNo
POSBNoNoNo
OCBCNoNoNo
UOBNoNoNo
HSBCNo
MaybankNo
CitibankNoNoNo
Standard CharteredNoNoNo
RevolutNoNo
TransferWiseNo
American ExpressNoNoNo

Note: Banks may restrict certain or all of its cards from making mobile payments, so do check directly with the bank if your card is compatible with Apple Pay.

How does Apple Pay work?

Simply put, 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 add a debit or credit card to Apple Pay

Set up a debit or credit card on your iPhone in just a few steps:

  1. Check compatibility. 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. Launch the app. Tap on the Apple Wallet app to begin.
  3. Add your credit/debit card. Tap on the add icon Addto add a new card and input your card security details.
  4. Verification. Your card provider may want to verify your information by sending you an activation code. If applicable, select your verification method. Once you receive it, enter the code.
  5. Start using Apple Pay. Once your card is verified, you’ll be able to make payments through Apple Pay.

Can I use Apple Pay if I travel abroad?

Apple Pay works at any store or ATM that accepts contactless payments — no matter where you are in the world. Click the tab to see a full breakdown of countries and regions that support Apple Pay.

Compare debit cards with Apple Pay

Data indicated here is updated regularly
Name Product Monthly fee Card delivery Supported currencies
YouTrip
S$0
5-8 business days

10

Use promo code FINDER5 to earn $5 on signup.

A prepaid Mastercard with no monthly fees, contactless payment features and fee-free transactions in over 150 currencies. NOTE: Promo code valid for new signups and Singapore residents only.
Wirex Visa Card
S$0
5 business days

12

A multi-currency card that supports over 150 currencies, including more than 8 cryptocurrencies at interbank rates.
Aspire Business Account
S$0
3-5 business days

1

A virtual business debit card to help you manage business expenses. No foreign exchange fees and cashback perks of up to 1% on selected spending.
BigPay
S$0
5-7 business days

1

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Compare up to 4 providers

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 utilises some of the most advanced security infrastructures in the world, applying multiple layers of security to protect your payment information. Here are some of its security features:

  • Encrypted transaction number. 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.
  • Short range data transfer. Near-field communication (NFC) only works within a few inches of another device, which prevents your data from being stolen.
  • Touch ID or PIN. You’ll need to verify your payment with Touch ID or a PIN number each time you use 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.

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.

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