Apple Pay 'Coming Soon' to The Netherlands, Says Dutch Bank ING [Updated]

[gixxerfool]

Why don’t they provide a damn date? I’m fed up of not knowing exactly when things are getting launched. Later this year, in fall, next year, coming soon, for ****’s sake, stop it Apple!!!
[doublepost=1556713358][/doublepost]This Portuguese bank Crédito Agrícola announced it back on April 15th and I’m still waiting... DISGUSTING BEHAVIOR towards customers.

I think you answered your own question. This is why there is ambiguous dates. Deals can fall apart and hold up launches. So until they can actually say, they at least let people know it’s in the works.

 

[JGRE]

Finally!

Hopefully this puts pressure on all other banks to follow suit, otherwise I'm moving all my accounts to ING.

I am already with ING for years!! Can't wait.

 

[Jules108]

Congrats my Dutch frienderinos! Let’s hope ING Australia adds Apple Pay too.

ING Australia already offers Apple Pay. It has for around 18 months.

 

[Robert.Walter]

YASSS, finally!!! Still don't understand why a developed country like the Netherlands, especially in the area of contactless payments, has had to wait so long to get Apple Pay. Even Belgium, where - as far as I have experienced - contactless payments aren't so mainstream, got Apple Pay sooner. Kinda ridiculous if you ask me.

But good to see that our little country is finally catching up. Even though I have been using Bunq as a workaround to get Apple Pay here, I'm looking forward using it with ING as well.

National banking cartels and regulatory capture are the reason for delays and slow roll outs. Apple card will speed them up to jump on band wagon.

 

[shanec1928]

I was shocked when i visited the apple store in amsterdam a few months ago that they didn't even accept apple pay

 

[MisterSavage]

I'm a little confused as to what this means exactly, as I just used ApplePay over this last weekend in Amsterdam to pay for bus and train tickets, along with meals at restaurants and items at various stores... indeed I was pretty happy I had that set up as the few times I tried my American credit cards in readers they would not work!

EDIT: I guess this means ING will be the first Amsterdam based bank to support this, so the terminals already all support ApplePay but residents with local bank accounts could not use it to date. I left up my post as I thought others should know if you travel there ApplePay is already fine.

This was baffling to me as well when I read posts on here. When I went to Amsterdam last year it was wonderful having so many places to use Apple Pay! At the time it was confused why more than once people were surprised when I paid for things with my watch.

 

[jorikc]

There is one more element that may confuse you. Apple Pay (contactless payment with iPhone or Apple Watch) itself has basically been supported in Netherlands for quite some time. Most terminals support contactless payment. However many places that are not in tourist area's, actually do not support Credit Card payments on these terminals, since the merchants would need to pay higher fees. So Amex, MasterCard, Visa don't have the best coverage in the Netherlands. However the debit systems V-pay and Maestro work basically everywhere. I'm expecting ING (NL) to make Maestro available in NL for Apple Pay, in order to have the best support within NL.

 

[iceman314]

However the debit systems V-pay and Maestro work basically everywhere. I'm expecting ING (NL) to make Maestro available in NL for Apple Pay, in order to have the best support within NL.

in the picture they show a maestro betaalpas so, I am expecting they will.

 

[justperry]

National banking cartels and regulatory capture are the reason for delays and slow roll outs. Apple card will speed them up to jump on band wagon.

Nope, those are not the reasons.(In The Netherlands)

Costs is one of them, Apple can't be asking a too high of a share, transfer rates in the Netherlands are non existent or very low, can't exactly recall.
Another reason is the Dutch has had a damn good system for decade(s).

I've said it before, ApplePay doesn't bring much more to the table, I am as fast paying with my card compared to ApplePay.

 

[votdfak]

This is crazy. I just landed in Amsterdam this morning and have used it twice. I used it last fall when I was here as well.

It's not about Apple Pay, it's all about NFC POS terminals. I am using Apple Pay in 3rd world country (joking, but not joking). It is working like any other NFC enabled debit card/credit card. MasterCard PayPass and VISA PayWave.

 

[Mikael H]

Perhaps because Apple charges per transaction. My guess is that Samsung Pay doesn't?

That's possible - but since bank<->Apple deals are performed behind locked doors, the only thing I see as a consumer is a lack of Apple Pay.

 

[iTom17]

I was shocked when i visited the apple store in amsterdam a few months ago that they didn't even accept apple pay

What do you mean by a company or shop not accepting Apple Pay? There's no such thing, as far as I have experienced. I can use Apple Pay virtually anywhere. I mean, it's true that 'on paper' no Dutch place supports it as Apple Pay isn't officially supported in the country. But it still does work everywhere. At least, I've been able to use it even in places where one could imagine it does't work.

 

[MisterSavage]

At least, I've been able to use it even in places where one could imagine it does't work.

I didn't expect it to work at a water closet but it did!

 

[iTom17]

I didn't expect it to work at a water closet but it did!

Same, been using it at the toilets of the train stations quite a lot!

 

[lartola]

Perhaps because Apple charges per transaction. My guess is that Samsung Pay doesn't?

Or if they do, they charge less. Samsung Pay has also been the first to make it into certain markets such as its home country South Korea, Mexico or India because of Samsung’s proprietary MST technology, which supposedly allows for Samsung Pay to be used through the magnetic stripe reader on terminals that lack an nfc reader or (more commonly) have it turned off. And I say supposedly because in reality, Samsung Pay works poorly over MST most of the time. Yesterday I had an experience at a restaurant here in Mexico where the waiter said cell phone payments wouldn’t work on their terminal. I convinced him to let me try (using apple pay, though I never actually told him that name) and my payment worked fine. I presume his previous experience must have been with someone trying to use Samsung Pay over MST and getting a read error, which seems to happen fairly often. There’s also a chain of convenience stores in the country (Oxxo) where several people have reported having a hard time using Samsung Pay (can’t say anything about using apple pay at those stores, though, because their nfc readers are still turned off despite that they announced they would turn them on during the first quarter of 2019).
[doublepost=1556741438][/doublepost]

This is crazy. I just landed in Amsterdam this morning and have used it twice. I used it last fall when I was here as well.

Yeah because apple pay arriving to a country just means it will finally be available to use with cards issued by at least one of the country’s local banks. For travelers coming from other countries (or anyone else with access to a supported card), apple pay has been accepted worldwide from day one.
[doublepost=1556741877][/doublepost]

What do you mean by a company or shop not accepting Apple Pay? There's no such thing, as far as I have experienced. I can use Apple Pay virtually anywhere. I mean, it's true that 'on paper' no Dutch place supports it as Apple Pay isn't officially supported in the country. But it still does work everywhere. At least, I've been able to use it even in places where one could imagine it does't work.

There is indeed such a thing as stores that don’t accept apple pay. They’re rare in Europe, but more common in countries like the US, Mexico or South Korea where NFC contactless payment isn’t accepted everywhere because contactless cards were never a standard form of payment (that’s why some stores in the US still announce the rollout of support for apple pay: in reality they’re just rolling out contactless payments).

As for the Apple store in Amsterdam, Apple seems to think that contactless payment is only apple pay so it is a common practice for them not to accept any form of contactless payment at their stores located in countries where they haven’t rolled out apple pay. Even if every single other merchant in a country already accepts contactless payment, as is the case in the Netherlands, Apple stores will not accept it at all until after apple pay support is officially rolled out to at least one bank in the country. Stupid, but that’s Apple restrictiveness at its best.

 

[danny842003]

Why don’t they provide a damn date? I’m fed up of not knowing exactly when things are getting launched. Later this year, in fall, next year, coming soon, for ****’s sake, stop it Apple!!!
[doublepost=1556713358][/doublepost]This Portuguese bank Crédito Agrícola announced it back on April 15th and I’m still waiting... DISGUSTING BEHAVIOR towards customers.

What’s Apple got to do with it?

 

[lartola]

What’s Apple got to do with it?

It’s Apple that developed the habit of not providing exact dates. And they’re so dominant that they demand the same behavior from their business partners.

 

[danny842003]

It’s Apple that developed the habit of not providing exact dates. And they’re so dominant that they demand the same behavior from their business partners.

Based on what?

 

[rmoliv]

Based on what?

It must be at Apple’s request because no bank in any country has ever provided an exact launching date for Apple Pay as far as I know. They only announce the service is coming soon, as Apple do with so much of their products and services.

 

[lartola]

It must be at Apple’s request because no bank in any country has ever provided an exact launching date for Apple Pay as far as I know. They only announce the service is coming soon, as Apple do with so much of their products and services.

Exactly. 3rd parties, such as in this case the banks, do provide exact dates for other things. They only don’t do it when it comes to anything related to apple.

 

[ds2000]

Finally....
Now if the providers would start allowing eSims.

 

[makr]

What do you mean by a company or shop not accepting Apple Pay? There's no such thing, as far as I have experienced. I can use Apple Pay virtually anywhere. I mean, it's true that 'on paper' no Dutch place supports it as Apple Pay isn't officially supported in the country. But it still does work everywhere. At least, I've been able to use it even in places where one could imagine it does't work.

I guess that’s about contactless payment limit rather than accepting Apple Pay.
Normally you can use contactless payment up to, say, £60. More than this you need to use pin. With Apple Pay you can go over that limit, afaik this requires a update on point of sales machine, maybe that’s why that person couldn’t able to pay with contactless. Providing it was more than the limit of course.

 

[lartola]

I guess that’s about contactless payment limit rather than accepting Apple Pay.
Normally you can use contactless payment up to, say, £60. More than this you need to use pin. With Apple Pay you can go over that limit, afaik this requires a update on point of sales machine, maybe that’s why that person couldn’t able to pay with contactless. Providing it was more than the limit of course.

No, like I said before it's about some stores not accepting contactless payment at all (i.e. only accepting chip or magnetic stripe cards). Doesn't happen much in Canada, Australia or Europe anymore, but is still does happen fairly commonly in other countries such as the US, South Korea, Mexico and any other country where contactless cards were never popular and contactless payment was never massively adopted until now with mobile payments using cellphones or smartwatches.

 

[Adelphos33]

Yeah, I used Apple Pay extensively in Amsterdam last time I visited, I'm surprised to see their own banks don't offer it yet

 

[n-evo]

Yeah, I used Apple Pay extensively in Amsterdam last time I visited, I'm surprised to see their own banks don't offer it yet

From what I understand Apple was asking fairly high rates from banks to fix an issue we don't have in The Netherlands. We primarily use our bank's debit cards (hardly any local pays with a credit card on a day-to-day basis, especially not for smaller amounts). Those transactions doesn't cost us anything. All cards have been supporting NFC for years now. We also have a convenient system in place that makes online purchases a breeze, called iDEAL. So apart from being able to pay with my iPhone I don't see that much appeal of Apple Pay. It's much more of a nice-to-have here, that's it.