How do I set up Apple Pay

Apple Pay makes paying in stores and apps quick and safe. Follow these steps to get started and learn how to make payments. To use Apple Pay, you need to add your eligible cards to the Apple Pay app on your Apple device.

 

Steps to Add a Card

 

Using the Royal Bank of Scotland Mobile Banking App

 

1. Login to the mobile bank app
   • If you don’t have it, download it from the Apple App Store and register.
2. Select the account the card is linked to
   • Tap the account which the card is associated with.
3. Tap 'Manage cards and Apple Wallet'
4. Press ‘Add to Apple Wallet’ button
   • The button will show under the image of the card you wish to add

 

Using the Apple Wallet App

 

1. Get the Apple Pay app
   • If you don’t have it, download it from the Apple App Store and open it.
2. Add your card
   • Tap the “+” icon and enter your card and billing address.
3. Agree to the terms
   • Read and accept the terms and conditions.
4. Verify your card
   • Follow the on-screen steps to confirm your card.

For credit cards, you can also use Tap to Add card with card PIN.

Once your card is verified, you can start using Apple Pay.

Important:

If your phone doesn’t have screen unlock or contactless (NFC) turned on, you’ll be asked to set these up.

 

Adding More Cards

• You can use the same card on several devices.
• To add more cards, repeat the steps for each card.

 

Paying with Apple Pay

 

You can pay in-stores, on transport, or in apps using Apple Pay.

 

In-Store Payments

 

• Unlock your device (no need to open the app).
• Hold the back of your phone near the contactless payment machine.
• Follow the steps on the screen.
• Your phone will beep or vibrate when the payment is done.

 

Additional details:

• The first card you add will be your main card.
• You can change your main card anytime by choosing another card and tapping “Set as default card.”

 

In-App Payments

 

• Look for the “Buy with Apple Pay” button in apps that support it.
  • (A list of apps is on Apple Pay’s website.)
• Tap “Buy with Apple Pay” to pay quickly and safely.
  • You may need to confirm your payment.

 

On Transport

 

• Use Apple Pay to pay for buses, trains and the London Underground

 

Note:
For app payments, your main Apple Pay card will show first.

You can pick another card, and that card will then be used for payments in that app.

This might be different from your main card used for in-store payments.

 

Security and Limits

 

• Stores may set a limit on how much you can spend with Apple Pay.
• NatWest may also set limits on how much and how often you can pay with Apple Pay.

 

Device Information

 

To use Apple Pay in stores, within apps and on the web using Safari you will need either:

• iPhone 6 or above
• iPhone 5 or above paired with Apple Watch
• iPad Pro, iPad Air, iPad and iPad Mini models with Touch ID or Face ID
• Apple Watch Series 1 and 2 and later
• Mac with Touch ID

 

Replacement cards

 

When your card is replaced, your Apple Pay will update automatically to reflect your new card number and your card will remain active on Apple Pay throughout.

Please note that if you are changing to a new product, you must manually add your new card onto Apple Pay.

 

Apple device upgrade

 

If you upgrade your Apple device, you will need to set up all your cards again in the Wallet.

Your cards are not automatically transferred to the new device. This is part of the security of Apple Pay as your card details are not stored on your mobile device or on Apple servers.