Apple Pay is a simple and safe way to make payments directly from your Apple device, keeping your Co-operative Bank details anonymous.
Apple Wallet is a way to safely store the card information you want to use with Apple Pay.
Most Co-operative Bank debit and credit cards can be added to Apple Wallet, except ATM cards and business credit or debit cards.
Apple Wallet is automatically installed on all compatible Apple devices.
First you’ll need to:
If you’ve already set up your wallet, you’ll see your payment card on screen.
To add a debit or credit card, you'll need to:
You’ll then be ready to pay with your card using Apple Wallet.
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.
If you need help with Apple Pay, our frequently asked questions may help.
Digital wallets are designed to make life a little bit simpler.
You need to have certain security features set up on your phone in order to set up a digital wallet. As a result, the payment process is simpler. When making payments with a digital wallet:
You can also add many different things to your wallet, so:
In some ways, using a digital wallet can be safer than carrying a physical wallet because:
It’s still important to keep an eye on payments coming out of your account, and let us know if anything doesn’t look right.
Payments are most commonly declined when you don't have enough money in your account.
If this isn't the case and there's no fault with the merchant's terminal, it might be best that you contact us on:
03457 212 212 for current accounts
0345 600 6000 for credit cards
Lines are open 8am to 6pm Monday to Friday, 9am to 5pm Saturday and Sunday. (call charges)
When you make a payment with Apple Pay, it doesn't send your actual debit or credit card number with your payment.
Additionally, you need to unlock your device before you can make a payment, meaning you need to use your device's security features, like Touch ID, your unique 6-digit passcode, or Wrist Detect.
Please let us know immediately and by the next working day we'll:
Call us on 0345 600 6000 (call charges) and we will cancel the card, order you a replacement card and automatically update your card in the Wallet the next working day. Lines are available 24 hours a day, 7 days a week.
If you’ve lost your device, you can read about how to use Apple’s Find My service to locate and secure your device.
When you’re ready to locate and secure your device, you should:
If you can’t get your device back, you should:
Yes, you can use wallet payments in the same way you would a standard debit or credit card. You may be charged processing fees by other banks, overseas charges, and currency conversion charges too. Find out more about The Co-operative Bank's card charges outside the UK.
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