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Apple Pay for smile

Sick of carrying all those heavy, cumbersome credit and debit cards around? Want that valuable wallet or purse space back? Then register your cards to a compatible Apple device and make all sorts of payments and purchases – whether in-store, online, or on a specific app – without having to carry a single card.


  • It's easy to store eligible cards on your device – get them set up
    quickly, at no extra cost.
  • Make sure your payments are secure, with a unique
    passcode and Touch ID.
  • Use Apple Pay wherever you see the Apple Pay or contactless logo.

How does Apple Pay work?

Apple Pay lets you make payments using credit and debit card on your Apple device. Whether that's a compatible iPhone, iPad or Apple Watch, your cards will be stored in the device’s Wallet. This means you'll be able to make payments easily, quickly, and securely.

Which cards and devices are eligible?

All of our smile debit and credit cards are eligible. You can use Apple Pay with any compatible Apple device, including:
  • iPhone models with Face ID
  • iPhone models with Touch ID, except for iPhone 5s
  • iPad Pro, iPad Air, iPad, and iPad mini models with Touch ID or Face ID
  • Apple Watch Series 1 and 2 and later
  • Apple Watch (1st generation)
  • Mac models with Touch ID
  • Mac models introduced in 2012 or later with an Apple Pay-enabled iPhone or Apple Watch

How secure is the service?

In a word: very. If you use your Apple device’s security features, like Touch ID, a unique 6-digit passcode or the Wrist Detect function on your Apple Watch, your payments won’t just be speedy, but secure too.
How do I add a card to my device?

Firstly you will need to check that the contact details we hold for you are up to date. This is because we send you a verification code to the mobile number or email address that we have registered for you to verify it is you adding the card to your device.

You can check your contact details and update if required in online or mobile banking. Please be aware that if you need to update your details, you will have to wait up to five days to add your card to your Apple Wallet. This is in place to protect you from fraud. If you wish to add your card before then, you will need to call us to update your contact details so that we can verify it's you before your card is added.

Once you're ready to add your card to your device, check that you have Apple iOS 8.3 or later installed.

Then, to add a card, you'll need to:

  1. Open the Apple Wallet app and press '+'
  2. Choose 'Add credit or debit card'.
  3. Choose from either 'Use card on file for iTunes' or 'Use a different credit or debit card'.
  4. Enter you card details into the next screen, or use your phone's camera to scan the card.
  5. Key in the 3-digit security number found on the back of your card.
  6. Read and accept the terms and conditions.
  7. You'll need a 6-digit verification code to complete the next stage. Let us know if you want to receive this by text or email.
  8. Enter the 6-digit verification code we send to you.
  9. Now, your set up will be complete.

We will never share the contact information you've given us with third parties, including Apple.

How do I make a payment?

If you're in a store that accepts Apple Pay, swipe your Apple device across a contactless card reader - just like you would with a contactless credit or debit card.

If you're buying something online, your Apple Wallet will already have your card's details available when you make a purchase. It saves you typing your card details out online, or scanning your card in each time you visit.

How does apple pay differ to contactless payments?

The main difference is the way your card details are stored. You'll have the same security process as any physical credit or debit card would, even though your Apple Wallet won't directly store any of your personal card details. There'll also be the addition of Apple safety measures, like biometric recognition and a unique 6-digit passcode.

Can I use Apple Pay abroad?

Apple Pay is a 'digital wallet' so you can do essentially anything you could with a standard credit or debit card. Just like using a standard card, bear in mind that there may be processing fees and overseas charges from The Co-operative Bank or smile if you use your card abroad.

What do I do if I've lost my card?

If your card is lost or stolen please call us immediately on +44(0)345 600 6000 and we can prevent any further use of your card. If the physical card has been reported lost or stolen this will prevent any use of the card with Apple Pay. When you call we can arrange for a replacement card to be sent out to you and this will automatically update in the wallet the next working day.

I tried to pay using Apple Pay but the payment was declined. Why?

Providing you have enough funds in your account and there's no fault with the merchant's terminal, it might be best that you contact us on +44(0)3457 212 212.^Call charges

Is there a transaction limit to spending money on Apple?

The bank does not set a transaction limit for Apple Pay but check with the merchant before purchasing as they may set a limit.

Where can I find a copy of the Apple Pay terms of use?

We have terms and conditions available on our website.

Need more help?

We've put together a list of FAQs, with lots of helpful information.
Find out more here>

Apple, the Apple Logo, Apple Pay, iPhone, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries.

Important Documents

(Documents will open in a new window)

Apple Pay Terms of Use.