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What is Apple Pay?

Apple Pay is a digital wallet that allows you to tap your device to make card payments using your iPhone, Apple Watch or other compatible Apple devices.

How to use Apple Pay

You can add your Debit, Credit or Virtual Card directly on our app. Once you’ve added your card, use Apple Pay to make payments with any iOS device in-app, online or in-store.

How to add your card from our app

  1. Sign in
  2. Tap Cards, and choose Cards or Virtual at the top of your screen
  3. Choose the card you want to add
  4. Tap Add to Apple Wallet and follow the on-screen prompts

Make safe purchases

Once you’ve added your card, you can enjoy contactless payments with zero fees for local card purchases.

  1. Double-click the side button of your iPhone
  2. You’ll see your default card and the Face ID icon
  3. After authentication, you’ll see the message ‘Hold Near Reader’
  4. Hold the top of your iPhone near the contactless reader
  5. You’ll see Done and a tick on your iPhone display

Retailers reserve the right to accept or decline contactless payments.

FAQs

You can add our Personal or Business Banking Card to Apple Pay on our app:

  1. Sign in
  2. Tap Cards, and choose Cards or Virtual at the top of your screen
  3. Choose the card you want to add
  4. Tap Add to Apple Wallet and follow the on-screen prompts

No. Apple Pay works for most contactless payments, but you’ll still need a physical card for some payments. You can Tap to Pay with Apple Pay anywhere contactless payments are accepted. But you’ll need your physical card for things like cash withdrawals or at stores that don’t support Tap to Pay.

Your Apple Pay spending limit matches the card limit you've set on our app.

How to change your transaction limits on our app:

  1. Sign in
  2. Tap Cards
  3. If you have more than one card, choose the card you want to use
  4. Tap Set temporary limits or Update permanent limits
  5. Choose Card machine, or Online/Scan to Pay
  6. Enter a limit amount and tap Set
  7. Tap Confirm and enter your PIN or biometrics

You can make up to 10 contactless Apple Pay payments without data. After that you’ll need to connect to the internet. We recommend connecting at least once a day to refresh your Apple Pay information.

You do need data to add and activate a card on Apple Pay.

Yes, if the country supports Apple Pay.

Before you travel or shop online internationally, make sure your personal details (contact number, address and permits) are up to date on your Personal and/or Business Banking account. This is required for Balance of Payments reporting to the South African Reserve Bank (SARB).

Your card may be suspended if this information is missing.

If your card has been stolen or you suspect fraud, you need to stop it immediately.

When you stop a card:

  • It’s closed straight away
  • All transactions and subscriptions linked to the card will decline
  • The card will no longer work in digital wallets such as Apple Pay
  • You need to get a new card with new card details

If you think your card is temporarily misplaced, you can freeze your card instantly on our app. Unfreeze it later if you find it – no replacement needed.

When you freeze a card:

  • Your card is temporarily blocked but not closed
  • All transactions stop while the card is frozen (this includes withdrawals, purchases, subscriptions and card‑based payments)
  • When you unfreeze it, the same card and card details stay active
  • You do not need a new card
  • A frozen card cannot be added to digital wallets like Apple Pay
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