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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.

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.

Banks offering Apple Pay in Singapore

BankApple PayGoogle PaySamsung Pay
American ExpressYesYesYes
CitibankYesYesYes
DBSYesYesYes
HSBCYesYesNo
NiumNoYesNo
MatchMoveNoYesNo
MaybankNoNoYes
OCBCYesYesYes
POSBYesYesYes
RazerNoYesNo
RevolutYesYesNo
SingtelYesYesNo
Standard CharteredYesYesYes
UOBYesYesYes
WiseYesYesNo

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

Simply put, Apple Pay is a digital version of your existing wallet that stores all your card information securely. By downloading Apple Pay, you can make purchases with your phone by tapping it on the terminal in the same way that you’d use your debit card to make a contactless payment.

To get a bit more technical, Apple Pay uses a near-field-communication (NFC) chip embedded within your smartphone to connect to a terminal in place of your debit card. This chip communicates to a merchant’s point-of-sale terminal within seconds and enables the payment to be processed in the same way a debit card works.

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

Name Product Monthly fee Card delivery Supported currencies Mobile payments
Canvas Pre-paid Visa Card and App
S$2.99
Up to 8 business days

1

Apple Pay, Google Pay

Finder special offer of 30 days free trial and $10 credit on each kid’s card upon activation.

Manages your kids’ pocket money and domestic helpers’ access to household expenses digitally.
YouTrip
S$0
5-8 business days

10

Apple Pay, Google Pay

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.
Aspire Corporate Card
S$0
Approved within 1 working hour

1

Apple Pay, Google Pay
A corporate debit card for SMEs and Startups with no annual fee and low FX fees. Enjoy 1% cashback on marketing and SaaS spend. T&Cs apply.
Revolut Metal
S$19.99
Up to 4 working days

21

Apple Pay, Google Pay

Get 20% cashback on all eligible public transport expenses in Singapore when you pay with Revolut. Valid until 31 December 2021.

An exclusive premium contactless card that allows for unlimited currency exchanges, a free Lounge Pass, and 1% cashback on expenses.
Revolut Premium
S$9.99
Up to 4 working days

21

Apple Pay, Google Pay

Get 20% cashback on all eligible public transport expenses in Singapore when you pay with Revolut. Valid until 31 December 2021.

On top of standard Revolut perks, this debit card comes with unlimited spending and free overseas ATM withdrawals, up to $700 per month.
Wise Multicurrency Account
S$0
2 - 3 business days

8

Apple Pay, Google Pay
Wise (formerly TransferWise) is an international account for over 50 currencies, with instant, super-cheap money transfer, a card to spend in any currency, bank details to get paid in 30 different countries and multi-currency direct debits.
Revolut Standard
S$0
Up to 9 working days

21

Apple Pay, Google Pay

Get 20% cashback on all eligible public transport expenses in Singapore when you pay with Revolut. Valid until 31 December 2021.

Enjoy no monthly fees, competitive currency conversion rates, and spend in over 150 currencies with Revolut’s Standard card.
UOB One Debit Card
S$0
N/A

1

Apple Pay, Google Pay, Samsung Pay
Earn up to 3% rebates on daily essentials and 1% on Grab transactions with this card.
DBS Takashimaya Visa Debit Card
S$0.41
N/A

1

Apple Pay, Google Pay, Samsung Pay, NETSPay, PayLah!
This debit card offers shopping vouchers, bonus points and discounts during selected sale events when you shop at Takashimaya.
ICBC VISA Dual Currency Debit Card
S$0
N/A

2

Apple Pay, Google Pay
A multi-currency account linked debit card with fee-free exchanges for various foreign currencies including RMB, USD and GBP.
DBS Visa Debit Card
S$0
N/A

1

Apple Pay, Google Pay, Samsung Pay, NETSPay, PayLah!
A rewards debit card that offers up to 4% cashback on food delivery, local transport, contactless payments and foreign currency.
Citibank Debit Mastercard
S$0
N/A

10

Apple Pay, Google Pay, Samsung Pay
This debit card features a range of benefits including multi-currency access and contactless technology to streamline day-to-day payments.
OCBC Yes! Debit Card
S$0
N/A

1

Apple Pay, Google Pay, Samsung Pay, Fitbit Pay, Garmin Pay, NETSPay
A fuss-free card that offers a 1% cash rebate on your daily spending and access to exclusive deals on entertainment, travel, dining and more.
PAssion POSB Debit Card
S$1
N/A

1

Apple Pay, Google Pay, Samsung Pay, NETSPay, PayLah!
Earn up to 3% cashback on dining, groceries and local attractions, as well as complimentary PAssion membership with this debit card.
UOB Lady’s Debit Card Review
S$1.50
N/A

1

Apple Pay, Google Pay, Samsung Pay, NETSPay, PayLah!
Earn up to 10% SMART$ rebates with this beautifully designed debit card and enjoy a wide array of dining, beauty and shopping privileges.
SAFRA DBS Debit Card
S$0
N/A

1

Apple Pay, Google Pay, Samsung Pay, NETSPay, PayLah!
Be rewarded with up to 2% cash rebate on local Mastercard contactless transactions and online shopping with this debit card.
OCBC Frank Debit Card
S$0
10 working days

1

Apple Pay, Google Pay, Samsung Pay
Get unlimited 1% cashback on selected categories, access to exclusive deals and cashback with this stylish debit card.
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Compare up to 4 providers

How do I use Apple Pay?

When making payments with Apple Pay, you’ll be required to complete a simple transaction verification by using your fingerprint or face ID.

For iPhone 8 or earlier devices, simply launch the Wallet app, rest your finger on the Touch ID reader (the middle button on your phone) and hover the phone above the payment terminal to transact. The payment will be made on your default card unless you select another.

Face ID on iPhone X works in a similar way, except that you’ll need to double-click the side button on your phone then look at the Face ID symbol on the screen. Your phone will run the facial recognition process and register that it’s you. Once verified, you’ll be able to proceed with the payment by hovering your phone above the contactless terminal. This process 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. Simply double-click the watch’s side button 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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