Which Banks Use Apple Pay in Ireland ?

Apple Pay is a method of paying for things using an Apple iPhone, iPad, Apple Watch or Apple Mac. Your bank debit or credit card is linked to your device and then it can be used in stores the same way as a contactless card payment.
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
  • KBC
  • N26
  • Ulster Bank

Cards issued in Ireland by the following  banks CANNOT be used with Apple Pay

  • PTSB
  • Bank of Ireland
  • Revolut
  • EBS
  • An Post


N26 is a new European branchless bank  which can only be operated online . 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.  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.


apple pay ireland

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.
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


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