Apple Pay

Pay with your iPhone, iPad, Apple Watch or MacBook using Apple Pay
You can now use Apple Pay by linking your Santander debit or credit card to your Apple device. This will allow you to make payments easily and securely at any contactless terminal, in-app and on the web with certain retailers.

What do I need to start using Apple Pay?
Any Santander debit or credit card (excluding ATM only cash cards, Visa Top-up Debit Card and Business Visa Electron) and one of the following Apple devices.

Device In store In apps On the web
iPhone SE, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus, iPhone 7, iPhone 7 Plus (or later) Yes Yes Yes
iPad mini 3, iPad mini 4, iPad Air 2, iPad Pro (or later) No Yes Yes
Apple Watch paired with iPhone 5 or later Yes Yes No
Mac introduced in 2012 or later (Mac other than MacBook Pro with Touch Bar and Touch ID require iPhone or Apple Watch) No No Yes

Getting started

  • Open the Wallet app – choose ‘set up Apple Pay’.
  • Add a card – Tap ‘add a new debit or credit card’. You can add a card by either using the camera on your device, typing the details in manually or using the default card that is registered with iTunes.
  • Verify – we’ll send you a code to enter into your phone or device and Apple Pay is ready to use.

Making a payment

  • Pay in shops – To pay simply hold your iPhone near the contactless terminal and verify using Touch ID. To pay with an Apple Watch, hold it near the contactless terminal and simply double tap the side button. Payments can be made up to any value although some retailers may still limit this to £30.
  • Pay in-app – Using Apple Pay at in-app merchants is also quick and secure. You can pay where you see the ‘Buy with Apple Pay’ or Apple Pay symbols.
  • Pay on TfL – Apple Pay can be used for Transport for London transactions and is similar to using a contactless card by touching in and out of services. If you're in a rush, to make paying even quicker you can open Wallet and use the Touch ID to pre authorise the transaction. Apple Pay will then be ready on your phone and all you need to do is hold your phone against the contactless reader – no need for Touch ID. For more information please visit Transport for London

Your accounts are safe if you lose your phone - If you lose your phone there’s no need to cancel your debit or credit card/s as the details aren’t stored in the Apple device. However you must either cancel your digital cards using Find My iPhone or call us on 0800 068 6698. Apple also allows you to log onto iCloud (using your iTunes password) to either turn on ‘lost mode’ or erase your device. This means that any card/s linked to the device are suspended in Apple Pay. For information on how to secure the device should it be lost or stolen you should visit the Apple website

For lost and stolen cards, please call us on 0800 9 123 123. Lines are open 24 hours a day, 7 days a week. If you lose your cards, you can continue to use Apple Pay while we arrange to replace your cards.

Santander Wallet – the easy way to manage your cards and spending
To help you keep tabs on your spending we’ve developed Santander Wallet, a free new mobile app for personal banking customers. To learn more, take a look at more information about Santander Wallet

See our full Terms and Conditions
See our Privacy Policy

Apple, Apple Pay, Apple Watch, iPhone, iPad, Touch ID and MacBook are trademarks of Apple Inc., registered in the US and other countries.

Frequently asked questions

  • Just take your phone along with your receipt and whatever you want the refund on. Shops will be able to refund any purchase made with Apple Pay under the same conditions as they would a purchase made with a card or cash.

  • You can manage your Apple Pay linked cards within your Apple device.


    On an iPhone your cards and last 10 transactions can be seen in the Wallet app. When you select a card and tap 'i' you can see the card's settings and transaction display.


    For iPad you can view and manage your cards in Apple Pay by going to 'Settings' and choosing 'Wallet and Apple Pay'.

  • Yes, now that the TfL ticket barriers are contactless you can use Apple Pay to pay for your journey but there are a few things to be aware of:


    You need to use the same device to tap in and out of journeys so it's important the battery on your device will last the journey. Using different devices or payment methods will result in being charged the maximum fare.


    To make the payment easier, you can activate Touch ID before you arrive at the ticket barrier. You then have 1 minute to tap the phone against the yellow card reader.


    If you keep a contactless or Oyster card in your phone case, you should remove it before touching your iPhone on a yellow card reader. If you don’t, you could pay for your travel with a card you did not intend to pay with.


    Not all transactions will appear immediately and in some cases may take a few days to be processed.


    For more information on using Apple Pay on Transport for London services, please visit the Transport for London website at You can also set up a TfL online account at to see your full journey and payment history with TfL.

  • No, Apple Pay is for purchases only so it won't work at ATMs.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website Santander and the flame logo are registered trademarks.