Apple Pay FAQs

Apple Pay is a secure and easy-to-use mobile payment service that can be used to pay in stores wherever Contactless payments are accepted; just look for the Contactless or Apple Pay symbol.

It enables the use of eligible cards through compatible Apple devices by leveraging existing Near Field Communication (NFC) technology to make mobile payments.
You can also use it to make in-app and E-commerce purchases wherever the Apple Pay logo is displayed.

Mobile data or a Wi-Fi connection is not required for making transactions using Apple Pay. You will need mobile data or Wi-Fi to set up a card on the Wallet and to receive transaction notifications

All compatible devices are automatically NFC enabled.

You can use Apple Pay with your:

• AIB Personal Credit Cards
• AIB Personal & Business Debit Cards

AIB Business Credit Cards are not currently supported.

iPhone

1. For an iPhone 6 or later, open Wallet and tap the 'Plus' icon next to Apple Pay in the upper-right corner or select ‘Add debit or credit card’

2. Line up your card within the frame on the screen to capture your card details automatically or enter your details manually

Note: Any card(s) previously registered with iTunes will be automatically displayed.

3. Confirm your details and key in your CVC*

4. Read and if you are happy to do so, Accept the Digital Wallet Terms and Conditions

5. Verify your card by following the on-screen instructions

(i) If your mobile number is registered with us you will be prompted to verify using a one-time passcode sent by text message

(ii) If your mobile number is NOT registered with us you will be prompted to verify by calling our Customer Support team

6. Complete; you’re now ready to use Apple Pay.

*Your CVC is the 3 digit code on/beside the signature panel on the back of your card.

Apple Watch

Cards must be added from the Watch app on the paired iPhone. If more than one Apple Watch is paired to an iPhone, cards must be added to each Apple Watch separately.

1. Tap the Watch icon to open the app on iPhone

2. Scroll to ‘Wallet & Apple Pay’

3. Tap ‘Add credit or debit card’

4. Complete the verification steps

Other devices may also be available, for full list of compatible devices please see https://www.apple.com/apple-pay/

To ensure the security of your card, we send a one-time passcode to you by text message. You will verify your identity by entering this code in the appropriate field.

The one-time passcode will always be sent to the primary cardholder or, for business debit cards, the account owner.

Yes you can return to the Wallet to complete your set up by:

1. Open the Wallet App

2. Tap your card

3. Choose your verification method

Pay with iPhone 6 to iPhone 8

Hold the Touch ID and hold your iPhone near a reader until you see Done and a checkmark

Pay with iPhone X or later

1. double-click the side button, glance at your iPhone to authenticate with Face ID or enter your passcode.

2. Hold the top of iPhone near a reader until you see Done and a checkmark.

Pay with Apple Watch

1. double-click the side button and hold the display of your Apple Watch near a reader.

2. Wait until you feel tap.

Pay within apps

With your iPhone, iPad, and Apple Watch, you can use Apple Pay to pay within apps when you see the Apple Pay button. Look for one of these buttons in apps.

1. Tap the Buy with Apple Pay or Apple Pay button or choose Apple Pay as your payment method.

2. Follow the on-screen instructions.

3. Confirm the payment. When your payment is successful, you'll see Done and a checkmark on the screen.

- iPhone X: Double-click the side button, then use Face ID or your passcode.

- iPhone 8 or earlier or iPad: Use Touch ID or your passcode. 

- Apple Watch: Double-click the side button. 

For more payment options please click here.

In-Shop

You can use Apple Pay wherever Contactless payments are accepted; just look for the Contactless or Apple Pay symbol.

In-App

You can pay in any app where you see the Buy with

The card image may not be an exact match. Keep in mind this doesn’t affect how your cards work with Apple Pay.

You will receive an immediate notification after each transaction made using Apple Pay. When you open the card in the Wallet, you will only see the latest transaction made. When you navigate to the transaction tab (tap on your card in the Wallet to display) you will see your last ten transactions. Transaction history is not available on the Apple Watch.

Debit cards

Personal Customers

No transaction fee applies. (If a transaction takes you into an authorised/unauthorised overdraft position the relevant fee will apply)  For non-sterling transactions the Point of Sale Currency Conversion Fee of 2.75% of the sterling value will apply.

Business Customers

A £0.43p Automated withdrawal fee applies for each transaction.   For non-sterling transactions the Point of Sale Currency Conversion Fee of 2.75% of the sterling value will apply.
For more information on fees and charges for your account type please review “Price List and Guide to fees & interest for personal customers” or “Price List for Business Customers"

Credit cards

In-Store & In-App: No credit card transaction fees apply. Currency conversion fees apply to non-sterling Apple Pay transactions, in the same way as they do to any non-sterling credit card transaction.
Mobile network provider charges may apply depending on your data plan.

Yes. When you shop with a retailer, Apple Pay doesn't send your actual credit or debit card number with your payment. Instead a virtual account number is used to represent your account information - so your card details stay safe. You also need to authorise every transaction by Touch ID or your passcode.

If your card is lost or stolen, please contact us immediately on 0800 0391 140 for Debit Cards or 0800 0391 141 for Credit Cards, or 028 9033 0099 24 hours a day. Your physical card will be blocked and a new card will be sent to you.

Credit cards: Once reported to us as lost or stolen, your card details will be automatically updated and you can continue to use Apple Pay on your device whilst your new card is sent to you.

Debit cards: Once reported to us as lost or stolen, Apple Pay will be updated when you receive your new debit card.

If your device is lost/stolen, please contact us immediately on 028 9033 0099 or
+44 28 9033 0099, 24 hours a day and we can block your card on Apple Pay.

We recommend that you also register for and use Find My iPhone. This will allow you to find, lock and delete details on your phone if it is lost or stolen.

From Wallet

• Go to pass details
• Tap ‘Info’ tab
• Tap ‘Remove Card’

From Settings

• Open Settings
• Tap ‘Wallet & Apple Pay’
• Tap card to be removed
• Tap ‘Remove Card’

From ‘Find my iPhone’ through iCloud

• Go to ‘Find my iPhone’
• Select the device under ‘My Devices’
• Select ‘Remove’ on the card that you wish to remove

From iCloud

• Open Settings
• Select ‘My Devices’
• Select the device under ‘My Devices’
• Select ‘Remove’ on the card that you wish to remove

You can visit icloud.com/settings to remove your card or go to ‘Find My iPhone’ to temporarily suspend or permanently remove the ability to pay with your cards on your device. You can also call us on 0800 0391 140 for Debit Cards or
0800 0391 141 for Credit Cards, or 028 9033 0099 to request that we suspend or remove your cards from 

Apple Pay.
Please note – if you have requested that our Customer Service Team suspend your card, you will not be able to release the suspension without calling us.

The first card you add to Apple Pay becomes your default payment card and will remain so unless you change it.

To change your default card:

• iPhone X or later: Double-click the side button. When your default card appears, tap it, then tap to choose another card. Glance at your iPhone to authenticate with Face ID, then hold the top of your device near the reader to pay. 

• iPhone 8 or earlier: Hold your device near the reader without resting your finger on Touch ID. When your default card appears, tap it, then tap to choose another card. Rest your finger on Touch ID to pay.

• Apple Watch: Double-click the side button. When your default card appears, swipe left or right to choose another card. Hold your watch near the reader to pay.

Depending on the Apple device you have you can add up to 8 or 12 AIB Debit or Credit Cards to the Wallet app.

Apple Pay refunds work the same way as physical card refunds. That is, you should consult with the retailer directly to refund a transaction.

If you replace or update your device, you will need to add your card(s) to Apple Pay again.
Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of it. You should also remove your card if you temporarily provide your device to someone else; for example if you need it repaired.

You can remove a card from Apple Pay at any time. Tap on the credit card you'd like to delete. Tap on ‘Remove Card’ — you'll need to scroll down to the bottom.

Apple Pay enables Contactless transactions on your Apple device instead of your physical card. 

While Contactless payments on your physical debit card are subject to a £100 threshold per transaction, Apple Pay will allow transactions over £100*, provided the available balance or credit limit exists. You also need to authorise every transaction by Touch ID or your passcode.
* Apple Pay transactions above £100 may not be supported on some retail terminals.

• Never leave your device unattended.

• Use appropriate security on your device such as passcode or fingerprint recognition.

• Change your device passcode immediately if you suspect anyone else knows it.

• Only register your own fingerprint and do not allow anyone else to add their fingerprints to your device (if your device supports this feature).

• Please be aware of unsolicited messages asking you to reveal any personal or financial information, to allow access to your devices or to install software.

• Contact us as soon as possible if you suspect any unauthorised use of your device, if it is lost/stolen, or if you think your details have been compromised.

• Register for and use Find My iPhone. This will allow you to find, lock and delete details on your phone if it is lost or stolen.

• Make sure your contact details are up to date with us so we can get in touch with you quickly should we need to.

There could be a number of reasons for this:

• There may be insufficient funds or credit limit available to make the transaction

• The payment is over £100
  Some retailers may not support Apple Pay transactions above £100 on their terminals.

• The retailer does not accept Contactless payments
  Not all retailers accept Contactless payments. Please use another payment method such as your debit or credit card with Chip and PIN authorisation.

• If you do any of the following on your device, all cards in the Wallet will be deleted:

            - Sign out of iCloud

            - Remove Passcode/Touch ID/Face ID

            - iTunes Full Restore

            - Erase All Content & Settings

Call us on 028 9033 0099 for Debit Card queries or 028 9024 1822 for Credit Card queries.