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Apple Pay Now Supports HSBC and First Direct in the UK

Rogifan said:
You must not have used Pay. Super simple. Super fast. I would never go back and hate that more retailers don't support it here in the U.S. (yes I'm looking at you Target and Walmart).
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But did you have contactless cards in the US? We're all used to using contactless cards, where we just hold the card up to the terminal. Before that we had chip and pin, where we had to insert and enter a 4 digit code. Both are quicker than having to sign, which I read many places in the US still did until recently? Please correct me if I'm wrong.
 
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NotAdvisable said:
Honestly it's ridiculous Apple are rolling out Apple Pay to one country nearly every year. Australia has a much denser ratio of NFC enabled card readers than both the UK and USA, yet Apple haven't mentioned anything yet. Tired of waiting.
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You do realise that Apple can't just roll out Apple Pay in any given country without the co-operation of the banks and retailers who operate in that country?

No doubt Apple is in negotiations regarding dozens of countries behind the scenes, but every bank has their own polices and timescales for adopting new services. There are also banking regulations in each country that have to be adhered to. Apple rarely publicises anything about such negotiations until they're ready to launch.

If you're tired of waiting, move to the US or UK, or hassle the banks in your country.
 
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cambox said:
It's not very clever, by the time I find my phone, press my finger on the phone and get it to read correctly I would have been out of the shop if I just used my contactless card. No point!
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Yeah, contactless cards seem to be much faster. But I'm waiting on Apple Pay for the times I don't have my card on me. It'll be a useful backup (even though none of my local supermarkets support any form of NFC).
 
bpay is all well and good (sticker could go under my case) but having to pay £15-£25 for the pleasure is a bit of a kick in the nuts. I wouldn't mind paying for the fob or bracelet, but the sticker should be free imo.
 
kyjaotkb said:
Would be handy if TFL enabled monthly and annual travelcards to be loaded on the iPhone, but I guess it boils down to Apple having to open NFC to third party apps and services, and that's not likely to happen anytime soon...
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Really, TFL should upgrade the system so that all contactless charges are capped at monthly and then annual travelcard prices - just like they are when you hit a daily limit.
 
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GreyOS said:
But did you have contactless cards in the US? We're all used to using contactless cards, where we just hold the card up to the terminal. Before that we had chip and pin, where we had to insert and enter a 4 digit code. Both are quicker than having to sign, which I read many places in the US still did until recently? Please correct me if I'm wrong.
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I don't know if it's a national thing but my two nearest Burger Kings have "broken tills" and require you to swipe your card and sign. It's crazy slow but a little reminder of how things are in other countries, and how useful chip+pin and contactless cards are!
 
Alphazoid said:
Managed to add my debit but no go with credit card. (HSBC)
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My bank Lloyds still isn't supporting Apple Pay so I just went to www.natwest.co.uk and opened an account online, took about 5 minutes, then a few days later I got a card in the mail. Then I just transfer £50 across from my Lloyds every now and then.

I probably will keep my Lloyds account in the long run, but it is a risky situation for them, as now I've got two accounts and I could easily switch everything to NatWest now on a whim. I suppose I'm worried that Lloyds might be dragging their feet on future technologies as well, its not like they've even mentioned why they are going to be so late to this party.

Do they not think its worth putting much effort into it? Or do they think there is some security concerns or reasons to be cautious, or do they just lack the technological skills to get the implementation done on time, or do they have a messy management structure where they can't get a decision made quickly, etc.. etc..

Anyway, if someone else is bored of waiting, I 100% recommend opening a free
NatWest account, they have a nice and easy ID verification system on the website, so you just upload a photo of your passport or driving license and everything else is taken care of, I didn't even need to visit a branch.
 
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truesepho said:
The £20 limit is annoying though... :(
Is there a way to know which shops don't have this limit?
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All Contactless machines have a limit of £20 until they get a software upgrade scheduled for September and it will still have a limit of £30, Eventually there will be a roll out to allow any limit but no date yet
 
I'm with RBS and I have set up Apple Pay on my watch last week. Set up took a few minutes and it was very easy and straight forward.

Since then I have paid at McDonalds £15 and yesterday I paid at Nandos £29 (RBS doesn't limit transactions but retailers do).

It's very easy and quick to pay with the watch - just ask to pay by card and press the side button on the watch twice. It takes a second.

I am looking forward to having more retailers accepting it.
 
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GreyOS said:
Same. HSBC don't seem to do contactless credit cards (don't know if this is even a thing?), dunno if that's anything to do with it.
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I don't think a contactless card is required.

lewismayell said:
Did the automatic phone message say the call volume was too high and that you had to follow the call through the online banking automated part?
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For my debit it was a text message code. That i just entered. For credit it just flat out refuses to add it.
 
For all those complaining , I'd like to counter with a positive experience.

Last week I used my NatWest debit account via Apple Pay at the Marks & Spencer near my work. It was the first time I've used it, and everything worked excellently.

I've not had a contactless card for very long and therefore haven't used it much, but I can definitely see a few major advantages Apple Pay has over it:

  • Speed: I often have my iPhone in my hand when in the high street since it's used for so many functions - not least of which Reminders app for my grocery list / Things for my general shopping & to-do lists. Therefore it's much easier to use it than to have to get out my wallet, select a card and tap it. Apple Pay works extremely quickly.
  • I can go out without my wallet and still buy something.
  • Security & privacy: my card details are not shared with the shop, nor are the details of who I am.
  • I can refer to a list of recent purchases made.
And that's before I even think about the extra convenience brought by using my Apple Watch…
 
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Nice, hopefully HSBC supports Apple Pay in Mexico on day one *when* it launches.
 
GreyOS said:
Same. HSBC don't seem to do contactless credit cards (don't know if this is even a thing?), dunno if that's anything to do with it.
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Both my HSBC cards, debit and credit, are contactless and have been for some time. Still waiting for credit card activation but no big deal, I would almost always use my debit card anyway for small amounts.
 
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Good luck UK. Hope that CurrentC or anything like it is not on your island. Hope that all those NFC terminals are not shut off for no-good reason. I have loved my apple pay experience the 2 times I have used it (okay I am exaggerating how low the number is, for effect, but the point is valid) and 1 of those was with the watch which eliminates all the naysayers here because if you cant find your watch faster than your wallet, you would have much more pressing issues than paying for stuff. Cheers and have a pint on me (of course I mean using your apple pay :)).
 
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Disappointing that none of the major 3 UK supermarkets accept Apple Pay. Only time I've used it was in a Spar while on holiday in France. I'd left wallet at hotel and was glad to see they accepted contactless payments.
 
neilg-uk said:
Both my HSBC cards, debit and credit, are contactless and have been for some time. Still waiting for credit card activation but no big deal, I would almost always use my debit card anyway for small amounts.
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Ah fair enough, I got a non-contactless credit card with them recently and have a contactless debit card with them and an account for 15 years, so surprised it wasn't contactless! They only make references to all their debit cards being contactless, I guess they are rolling out contactless credit too though. May have to ring them to see if I can get a contactless one then.... Cheers

http://www.hsbc.co.uk/1/2/contact-and-support/card-support/using-your-card/contactless

Also as of January 2015: "HSBC also allows debit card opt-outs but has yet to issue a credit card with a contactless symbol."

http://www.theguardian.com/money/2015/jan/17/contactless-payments-banks-force-us

You're a lucky early adopter!
 
afd said:
Disappointing that none of the major 3 UK supermarkets accept Apple Pay. Only time I've used it was in a Spar while on holiday in France. I'd left wallet at hotel and was glad to see they accepted contactless payments.
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I think a lot of Morrisons do don't they? I know crappy Sainsbury's certainly don't though!
 
cambox said:
It's not very clever, by the time I find my phone, press my finger on the phone and get it to read correctly I would have been out of the shop if I just used my contactless card. No point!
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Is this sarcastic? And if not Apple Watch solves all of these gripes
 
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