Apple Pay is a method of paying for things using an Apple iPhone, iPad, Apple Watch or Apple Mac. It is a digital wallet – you store your card details on the device then use the device to pay rather than the card itself.
In shops , you hold the device over a contactless reader, but unlike contactless cards, where the payment goes through straight away, with Apple Pay, you put your finger on the Touch ID sensor on your phone or double-click the side button on your watch.
The money comes out of the same bank account as if you used the physical card.
Apple Pay has been available in Ireland since March 2017 – but not all Irish debit cards can be used with Apple Pay.
Apple say that using Apple Pay is safer than using a plastic debit or credit card because every Apple Pay transaction requires authentication with Face ID, Touch ID, or a passcode.
Banks that issue debit or credit cards in Ireland that can be used with Apple Pay
- Allied Irish Bank
- Ulster Bank
Cards issued in Ireland by the following banks CANNOT be used with Apple Pay
- Bank of Ireland
- An Post
N26 is a new European online bank . More about N26 here.
Apple Pay spending limits :
Apple Pay will allow transactions over €30, provided the available balance or credit limit exists. You will need to authorise every transaction by Touch ID or your passcode. Although – there may be some shops where the contactless terminal may not allow transactions above €30.
Using Apple Pay
If you have a card that is Apple Pay “ready” – you can just you add your credit, debit, or prepaid card to your Apple Wallet on your device. Remember to add your cards to any device that you want to use with Apple Pay.
Apple Pay will work on any iPhone 6 and above in stores and in apps.
It also works on iPad Air 2, iPad Pro or iPad mini 3 and 4 to let you use Apple Pay in apps.
Bank Charges for using Apple Pay
The charges for using your bank card through Apple Pay will be the same as if you used the card itself . So for contactless payments in stores , there is currently no charge by any of the Irish banks using Apple Pay. (Ulster Bank will start charging 1 cent from April 2019)
Your bank will usually charge card fees for Apple Pay purchases in non Euro currencies. – See Non Euro Card Charges Here
If you use Apple Pay “in App” to pay for something online – then your bank will apply their normal card usage charge (some don’t charge) .
See more here about bank charges in Ireland