Santander UK plc Terms and Conditions for Apple Pay

Important Information

It's important that you always:

  • Keep your Device secure and with you
  • Keep your Device passcode and Security Details secure and only known by you

What do we mean by Device?

This means a smartphone or other device that has your card or account details on it and allows you to make payments when used with your security details.

What do we mean by Security Details?

These are personalised details you must use to give a payment instruction, confirm your identity or to access your device (for example a password, security code or biometric data such as a fingerprint).

If your Device is lost, stolen or is used without your consent, please call us on the telephone number printed on the back of your Santander card.
If you think your Security Details have been compromised, change them immediately. You’ll find more detailed privacy information and security steps you should take in section 5 below.


Please read these Terms carefully and if you’d like to activate and use Apple Pay, scroll down and press “I Accept”. If you want to refer to these Terms in the future, you can request them at any time via our website.

About these Terms and Conditions

This document contains the conditions that govern your use of Apple Pay. Unless we tell you otherwise, they don't apply to accounts that you can access via Apple Pay, as these are covered by separate agreements. Your use of Apple Pay to purchase goods and services is still governed by the applicable Santander account terms and conditions and the Santander Online Banking Terms and Conditions. If we do tell you that any of these terms apply to an account, and there is an inconsistency between your account terms and these conditions, your account terms will apply.

These Terms govern your access to and use of your card via Apple Pay only as between Santander and you. Your Device provider, your Wireless Carrier, and other third party services or websites incorporated in Apple Pay may have their own terms and conditions and privacy policies (“Third Party Agreements”). You are also subject to those Third Party Agreements when you give them your personal information, use their services or visit their respective websites.

Meaning of Words

Unless terms are specifically defined in this document, then other terms shall have the same meaning as given in your relevant Santander account terms.

  • "Apple" means a California corporation, having a principal place of business at 1 Infinite Loop, Cupertino, California 95014 USA.
  •  "Card Account" means the applicable Santander personal or Business Banking current account or the Santander personal credit card agreement relating to your debit card or credit card.
  •  "Santander Apple Pay Privacy Policy" means the privacy policy that Santander has established to safeguard your personal information when using your card with Apple Pay. This is separate from and in addition to the Santander Data Protection Statement and any applicable Third Party Agreement privacy policies, including those of Apple. You can find these at
  •  "Third Party Agreements" means your Device provider, your Wireless Carrier and any other third party services or websites incorporated into Apple Pay, which have their own terms and conditions and privacy policies.
  •  "Wireless Carrier" means the customer's service provider which provides their mobile phone connection to the mobile network for the Device to operate.


Making Payments

Apple Pay enables you to create virtual representations of your Santander debit and credit cards on your Device, so you can use your card to make:

i) contactless payments at merchants' contactless-enabled point-of-sale terminals; and

ii) in-app or other digital commerce payments at participating merchants.
When you select a card to use with Apple Pay, certain account information will be transmitted to and stored within your Device, which is then represented as a digital card.

By selecting a digital card and placing your Device near a merchant’s contactless-enabled point-of-sale terminal or reader or using that card for an in-app purchase, you are authorising the payment for the merchant’s products or services.

Viewing Information and Payments

Apple Pay may also give you access to information about your card(s). Further information on these features will be provided by Apple Pay provider.

The Conditions

You agree to use your card(s) only with a Device properly equipped with Apple Pay and to comply with all terms and conditions applicable to Apple Pay. Please contact your Device provider direct if you want to know whether your Device is eligible for use with Apple Pay.

Before you register for Apple Pay, you must check that only your Security Details are linked to the card(s) you want to use on your Device, as these details will then be used for authorisation to make transactions on your Card Account. For the purposes of Apple Pay, any transactions made using your card and linked Security Details on the Device will be assumed to be authorised by you.

Purchases or other transactions you make using Apple Pay are governed by your Card Account terms for the applicable Santander debit or credit card.

You will also be responsible for all uses and transactions made by third parties that either the primary account and / or additional card holder gives access to, including if these third parties misuse any card or Apple Pay.


You may use any card which is in your name that is not cancelled or blocked to create a digital replica of it for use with Apple Pay.
We may allow you to add the same card to a number of other Devices. Your Device provider may impose limitations or restrictions to Apple Pay or have minimum software and hardware requirements.
We may allow cards belonging to other Santander credit and/or debit card holders to be added to the same Device.


These Terms only apply to your use of your card(s). Your Device provider, your Wireless Carrier and other third party websites or services integrated in or allowing the provision of Apple Pay have their own Third Party Agreements and you are subject to these when you give them your personal information, use their services or visit their sites. We are not responsible for the security, accuracy, legality, appropriateness or any other aspect of the content or function of any third party’s products or services.
It is your responsibility to read and understand the Third Party Agreements before creating, activating or using a digital replica of your card through Apple Pay.

We are not responsible for, and do not provide, any support or assistance for any third party hardware, software or other products or services (including Apple Pay and your Device). If you have any questions or issues with a third party product or service, please contact the appropriate third party for customer support.


We do not currently charge a fee for using your card through Apple Pay. However, Third Party Agreements may have fees, limitations and restrictions which might affect your use of any of your card(s) on your Device, such as data usage or text messaging charges imposed on you by your Wireless Carrier. You are solely responsible for these fees and agree to comply with any limitations or restrictions.


Your Information

When creating the virtual representation of your card, we collect certain information from your Device provider to verify your identity and for anti-fraud purposes. This information will be held by us for so long as required to fulfil this purpose and then deleted.

With regard to other information we collect, you authorise us to use and share your information in accordance with these Terms, the Santander Apple Pay Privacy Policy, your account terms and the Santander Data Protection Statement. You can view a copy of all of these terms on our website at A copy of the Santander Apple Pay Privacy Policy is available at

Please note that we will display certain account information relating to each card available on your Device in the app, including your ten most recent transactions, the merchant name/location, the transaction amount and part of your account number. You can choose not to have the transaction data displayed and still use Apple Pay, but you must turn off this feature through Apple Pay app on your Device.

You agree that we may also collect and use technical data and related information about your Device to help us update and improve our products, services and for fraud prevention.

What Others Collect

Any information that is collected by the Device provider while you use a card or Apple Pay, is subject to the relevant Third Party Agreements, and is not governed by our Data Protection Statement, the Santander Apple Pay Privacy Policy, these Terms or your account terms.

Device Notifications

You may receive notifications from us on your Device from time to time reflecting your Card Account activity. If you do not wish to receive notifications, you can turn them off through the settings on your Device or by turning off the issuer notifications setting on the back of your digital card.

Lost, Stolen or Unauthorised Use of your Device

Call us immediately on the telephone number printed on the back of your physical Santander credit or debit card and comply with the requirements in your account terms if your Device or Security Details have been lost, stolen or used without your consent.

Also, if you think your security is at risk make sure you change your Security Details and check that only your fingerprints (or other applicable biometric data) are linked to your Device, to avoid any unauthorised use of your card or personal information.

If you get a new Device, please delete all your cards and other personal information from your old Device. To do this you can either follow your Device provider's instructions or you can call us on 0330 678 2698 and we can delete your digital cards.

You must co-operate with us in any investigation and use any fraud prevention or other related measures we give as required under these 
Terms and your account terms.

Apple Pay and your Device may use certain security features and procedures to protect against unauthorised use of any of your card(s). These features and procedures are the sole responsibility of the Device provider. You agree not to disable any of these security features and to use them to safeguard all your cards.

Protecting your Security Details

You are responsible for keeping your Security Details confidential. You should keep these, along with your Device, safe in the same way you would with your physical credit and debit cards and other personal identification numbers and passwords.

It is advisable that you make the Security Details for your digital card different from those used to operate your Card Account. You should not keep your physical Santander debit or credit cards or card details with your Device.

While we may allow cards of up to two different customers to be added to one Device, we recommend that you don't share your Security Details with anyone. If you share these details with anyone else or allow their details (including biometric data) to form part of your Security Details, they may be able to use your card(s) and access your personal and payment information through Apple Pay. They may also be able to use your card without your authority, for which you may be responsible. If the fingerprint of another person is used to unlock or make transactions on your Device, these will be treated as authorised by you.

If the card you register for use with Apple Pay is lost or stolen, contact us immediately and let us know that you are registered for Apple Pay.

If you receive a text message, email or other communication saying that you have registered for Apple Pay but you did not register, or if there are any transactions you do not recognise on your Device or your account statement, contact us as soon as possible.


In addition to any rights of termination, cancellation, suspension and closing your Card Account as set out in your account terms, we reserve the right (on giving reasonable notice where possible) to stop offering or supporting any digital card or to stop participating in Apple Pay.

We may block, restrict, suspend or terminate your use of any card through Apple Pay if you breach these Terms, your account terms, Apple Pay terms, any Third Party Agreements or if we suspect any fraudulent activity or misuse of the card.

In addition, the Device provider reserves the right to block, restrict, suspend, or terminate your use of the card and/or change the functionality of Apple Pay without reference to us. In such circumstances we will not be liable to you or any third party.

Our fraud detection systems highlight suspicious activity and we may use an automated service so we can reach you as quickly as possible. The automated service may get in touch by calling you, sending you a text message or by sending you an email.

Once any temporary block or suspension is removed from the card (for instance following a fraud check) you will be able to continue to use Apple Pay when we tell you.

You may remove any of your cards from Apple Pay at any time by pressing the appropriate button or link in the app on your Device, or by calling the number on the back of your card. In these circumstances you authorise us to continue to process any outstanding transactions on your card.


Access, use and maintenance of your digital card depend on Apple Pay and the networks of Wireless Carriers. We do not operate Apple Pay or such networks and have no control over their operations. We will not be liable to you for any circumstances that interrupt, prevent or otherwise affect the functioning of any card, such as unavailability of Apple Pay or your wireless service, communications, network delays, limitations on wireless coverage, system outages, or interruption of a wireless connection.

The use of a card through Apple Pay involves the electronic transmission of personal information through third party connections. Because we do not operate or control these connections, we cannot guarantee the privacy or security of these data transmissions. Additionally, your supported Device is generally pre-configured by your Wireless Carrier. Check with your Device provider and your Wireless Carrier for information about their privacy and security practices.

For personal or confidential information sent to or from us over the internet from your Device, we reserve the right to limit such connections to "secure sessions" that have been established using transportation layer security or other security standards we select. We can communicate through secure message, SMS and email.


Subject to your account terms, you agree that Apple Pay features and functionality may be automatically updated or upgraded without notice to you. At any time, we may decide to expand, reduce or suspend the type and/ or amounts of transactions allowed using a card or change the enrolment process. This right to update and upgrade Apple Pay features and functionality will not include changes to your Card Accounts, which will only be made in accordance with your account terms.


We reserve the right to revise these Terms at any time in accordance with your account terms. We will indicate the changes to these Terms by email or such other method of communication as provided for in Clause 10 below. You will also be able to view the revised Terms on your Device. If you do not accept any revisions made to these Terms you can remove any of your cards from Apple Pay at any time, in which event you authorise us to continue to process any transactions outstanding on such card(s) at the time of your removal of such card from Service.


As a condition of your activating and using your card for Apple Pay, you agree to receive certain Service-related messages from us on your Device (i.e. SMS, MMS). You also agree to receive notices and other communications about your Service status from us by:

(a) email to the latest email address on file for the relevant card account;

(b) chat within Online Banking; or

(c) through the messaging capabilities of Apple Pay.

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