Become a MacRumors Supporter for $50/year with no ads, ability to filter front page stories, and private forums.

MacRumors

macrumors bot
Original poster
Apr 12, 2001
57,417
20,243


Dutch bank de Volksbank has said it is bringing Apple Pay support to all its customers soon, including those of its subsidiary banks, reports iCulture.

de-volksbank-logo.jpg

De Volksbank is the parent company of SNS, ASN Bank, and RegioBank, all of which operate in the Netherlands. "Apple Pay will be made possible for the customers of SNS, ASN Bank and RegioBank," a De Volksbank spokesperson told iCulture, adding "We can't share anything about timing at the moment."

Over a year and a half ago, SNS Bank indicated that it was in talks with Apple about offering support for Apple Pay, but then the bank went silent on the matter. Today's development suggests those talks are finally coming to fruition.

Apple Pay officially went live in The Netherlands in 2019, with ING leading the charge to bring Apple's digital payment system to debit and credit card users in the country.

Since then, other banks including Bunq, Monese, N26, Revolut, ABN AMRO, and Rabobank have all brought Apple Pay support to customers in The Netherlands, which suggested de Volksbank and its parent banks were being left behind.

According to Apple's regional ‌Apple Pay‌ web page, ‌Apple Pay‌ can be used in The Netherlands with several online and high street retailers including Adidas, ALDI, Amac, ARKET, BCC, Burger King, Capi, cool blue, COS, Decathlon, Douglas, H&M, Jumbo, Lidl, McDonalds, Starbucks, and others.

Article Link: Apple Pay Support Coming to Dutch Bank de Volksbank and Its Subsidiaries
 

MacsRgr8

macrumors G3
Sep 8, 2002
8,056
1,356
The Netherlands
Living in NL, and using Apple Pay in combination with ABN/AMRO bank for about 2 years now (or whenever it was introduced exactly over here), I would say you can use it everywhere in NL.
I never need my physical wallet as all PIN-terminals I have encountered all use contact-free payment.
Great to see more banks joining in!
 

Jhieminga

macrumors newbie
Jan 21, 2021
15
25
Amsterdam, The Netherlands
I was going to say approximately the same thing. The Dutch infrastructure has supported chip & PIN transactions for ages (it used to be swipe and PIN before that), and contactless payments since 2013. 99.9 percent of terminals support it (my estimation) and you can find these everywhere, including donationboxes for example. When Apple Pay was introduced here in 2019, it was just an addition to the already existing payment options and seamlessly used the existing terminals.
 

PowerMacBook

macrumors regular
Jun 23, 2008
131
246
ABN AMRO only does the "normal" bank card, still not their credit cards (Master Card)
 

acgmph

macrumors regular
Sep 17, 2015
169
305
Around the world
A question for those in the Netherlands using Apple pay extensively:

Do you also use it for larger amounts (let's say over 100 € ?) and does it work then ?

E.g. a fully loaded cart in an AH: will your payment with Apple Pay work without having to fail it and revert to a card and do chip+pin? Would a contactless payment with a physical card work as well ?

Out here in Belgium Apple pay is accepted on 99% of the terminals as well but as soon as you go over the limit of the contactless payment of a card (50€) it stops working and you need to revert to the physical card.

This isn't what full support for apple pay is about: I've bought e.g. an Apple watch in the US in an Apple store using Apple pay: no problem at all, ditto in Germany. But outside of Apple stores finding the merchants that truly do the full Apple pay integration for ANY amount: it feels much harder to find them for me and that means I use it far less than I would want to.
Might be just a local Belgium thing. I can ApplePay thousands of $ in the US to any vendor without an issue (car insurance, flights, retail stores etc.).
 

SirTravelalot

macrumors newbie
Sep 7, 2021
10
12
A question for those in the Netherlands using Apple pay extensively:

Do you also use it for larger amounts (let's say over 100 € ?) and does it work then ?

E.g. a fully loaded cart in an AH: will your payment with Apple Pay work without having to fail it and revert to a card and do chip+pin? Would a contactless payment with a physical card work as well ?

Out here in Belgium Apple pay is accepted on 99% of the terminals as well but as soon as you go over the limit of the contactless payment of a card (50€) it stops working and you need to revert to the physical card.

This isn't what full support for apple pay is about: I've bought e.g. an Apple watch in the US in an Apple store using Apple pay: no problem at all, ditto in Germany. But outside of Apple stores finding the merchants that truly do the full Apple pay integration for ANY amount: it feels much harder to find them for me and that means I use it far less than I would want to.
That is an issue of your card, not a limit of ApplePay. The card issuers decide which risk they would like to take. Talk to your bank or get another card. C'est bon, c'est Belge :D
 

Jhieminga

macrumors newbie
Jan 21, 2021
15
25
Amsterdam, The Netherlands
A question for those in the Netherlands using Apple pay extensively:

Do you also use it for larger amounts (let's say over 100 € ?) and does it work then ?
The limits on Apple Pay are exactly the same as those for the regular use of your bank card. With my bank (Rabobank) you can adjust these in the app as needed, but the normal limit is €5000 per week. Doesn't matter if that is used for a lot of Starbucks coffee or a single payment for a new TV. If you pay contactless with your bank card, you have to provide your PIN if the amount is over €50 (used to be €25 before the pandemic). Apple Pay does not require this due to the built-in TouchID or FaceID authentication.
 

Robert.Walter

macrumors 68020
Jul 10, 2012
2,410
3,110
A question for those in the Netherlands using Apple pay extensively:

Do you also use it for larger amounts (let's say over 100 € ?) and does it work then ?

E.g. a fully loaded cart in an AH: will your payment with Apple Pay work without having to fail it and revert to a card and do chip+pin? Would a contactless payment with a physical card work as well ?

Out here in Belgium Apple pay is accepted on 99% of the terminals as well but as soon as you go over the limit of the contactless payment of a card (50€) it stops working and you need to revert to the physical card.

This isn't what full support for apple pay is about: I've bought e.g. an Apple watch in the US in an Apple store using Apple pay: no problem at all, ditto in Germany. But outside of Apple stores finding the merchants that truly do the full Apple pay integration for ANY amount: it feels much harder to find them for me and that means I use it far less than I would want to.
There’s no technical reason for a limitation like you describe.

My sister bought a new car, paying the full purchase cost on her AMEX (to get FF miles, then paid card balance off a few days later.). (Note dealers don’t generally like to do this because card fees eat into profit but we timed it just right where dealer needed to move car to reach a factory bonus level. AMEX liked deal so much they gave me some miles for facilitating deal.)

Look for collusion between banks, interchange networks and merchants to reduce fees led by the banks who have to pay a small slice of their card fee profit to Apple for Apple Pay access.

The banks are cynically splitting the difference between offering a customer demanded feature (and preventing customer defections) and preserving their cash cow.

Rule of thumb: If your bank is screwing you on this, they are likely screwing you on other aspects of your business relationship. Find a better bank.
 
  • Like
Reactions: SFjohn

justperry

macrumors G5
Aug 10, 2007
12,336
9,505
I'm a rolling stone.

According to Apple's regional ‌Apple Pay‌ web page, ‌Apple Pay‌ can be used in The Netherlands with several online and high street retailers including Adidas, ALDI, Amac, ARKET, BCC, Burger King, Capi, cool blue, COS, Decathlon, Douglas, H&M, Jumbo, Lidl, McDonalds, Starbucks, and others.

Article Link: Apple Pay Support Coming to Dutch Bank de Volksbank and Its Subsidiaries
Apple should change this, it can be used anywhere with a pin/pos terminal, literary everywhere, it's ubiquitous.
 
  • Like
Reactions: Knavel

hagar

macrumors 65816
Jan 19, 2008
1,445
3,161
A question for those in the Netherlands using Apple pay extensively:

Do you also use it for larger amounts (let's say over 100 € ?) and does it work then ?

E.g. a fully loaded cart in an AH: will your payment with Apple Pay work without having to fail it and revert to a card and do chip+pin? Would a contactless payment with a physical card work as well ?

Out here in Belgium Apple pay is accepted on 99% of the terminals as well but as soon as you go over the limit of the contactless payment of a card (50€) it stops working and you need to revert to the physical card.

This isn't what full support for apple pay is about: I've bought e.g. an Apple watch in the US in an Apple store using Apple pay: no problem at all, ditto in Germany. But outside of Apple stores finding the merchants that truly do the full Apple pay integration for ANY amount: it feels much harder to find them for me and that means I use it far less than I would want to.
Seems your bank treats Apple Pay as a contactless payment without pin.
In Belgium this is by default allowed on contactless bank cards for amounts up to 50 euro. Quite dangerous, I don’t know why they allow that as everyone can just use your card and pay with it up until 50 euro.

Apple Pay however is protected by Face ID or Touch ID and should fall in the category of protected payments. The max amount for these payments is also set by your bank and should be much higher than 50 euro.
 

FrietVanPiet

macrumors newbie
Aug 19, 2020
12
12
That’s great news. I’m customer of that bank. I opened a second bank account and I’ve to transfer funds continuously to my Apple Pay supported bank. I’m happy once that’s no longer needed ?
 
  • Like
Reactions: SFjohn

now i see it

macrumors G3
Jan 2, 2002
9,519
19,012
With only 6% of iPhone users using Apple Pay in the USA, clearly it's not something that 94% of the USA iPhone users care about.
 

justperry

macrumors G5
Aug 10, 2007
12,336
9,505
I'm a rolling stone.



According to Apple's regional ‌Apple Pay‌ web page, ‌Apple Pay‌ can be used in The Netherlands with several online and high street retailers including Adidas, ALDI, Amac, ARKET, BCC, Burger King, Capi, cool blue, COS, Decathlon, Douglas, H&M, Jumbo, Lidl, McDonalds, Starbucks, and others.

Article Link: Apple Pay Support Coming to Dutch Bank de Volksbank and Its Subsidiaries
Why anyone needs to pay online with Apple Pay in the Netherlands is beyond me, there are literary lots of others available, no need for another one.
Checking out with Apple Pay and Apple watch is on another level though, it's convenient and secure.
 

justperry

macrumors G5
Aug 10, 2007
12,336
9,505
I'm a rolling stone.
Seems your bank treats Apple Pay as a contactless payment without pin.
In Belgium this is by default allowed on contactless bank cards for amounts up to 50 euro. Quite dangerous, I don’t know why they allow that as everyone can just use your card and pay with it up until 50 euro.

Apple Pay however is protected by Face ID or Touch ID and should fall in the category of protected payments. The max amount for these payments is also set by your bank and should be much higher than 50 euro.
Quite dangerous, overstatement of the day, it's only €50, it's blocked as soon as you contact the bank, so it might cost you nothing at all if you loose your card or €50 for everyday you don't notice or for other reasons.

For most €50 isn't that much...bearable.
 

FrietVanPiet

macrumors newbie
Aug 19, 2020
12
12
Quite dangerous, overstatement of the day, it's only €50, it's blocked as soon as you contact the bank, so it might cost you nothing at all if you loose your card or €50 for everyday you don't notice or for other reasons.

For most €50 isn't that much...bearable.
It’s €50 per day. So if you don’t check your bank account regularly, these damage can really add up.
 

hagar

macrumors 65816
Jan 19, 2008
1,445
3,161
Quite dangerous, overstatement of the day, it's only €50, it's blocked as soon as you contact the bank, so it might cost you nothing at all if you loose your card or €50 for everyday you don't notice or for other reasons.

For most €50 isn't that much...bearable.

But it’s not just one time. you can go to the next shop and buy again for 50 euro, so it’s 100 euro already. That might be peanuts for you, but for many people losing 100 euro is a lot.

Not to mention that criminals can read out your card from a distance. Simply holding a reader to a purse is enough.

With Apple Pay, those risks don’t exist. I know what I prefer.
 

ThatsMeRight

macrumors 68020
Sep 12, 2009
2,265
139
It’s €50 per day. So if you don’t check your bank account regularly, these damage can really add up.
In the Netherlands a payment without pin is also €50 per payment and up to €100 at a maximum when combining multiple payments. So you're at most losing €100.

Still not a problem though. Theft and loss are always fully covered, so the bank will reimburse you the €100.
 

klunernet

macrumors regular
Jul 14, 2011
120
308
Hoorn, NL
A question for those in the Netherlands using Apple pay extensively:

Do you also use it for larger amounts (let's say over 100 € ?) and does it work then ?

E.g. a fully loaded cart in an AH: will your payment with Apple Pay work without having to fail it and revert to a card and do chip+pin? Would a contactless payment with a physical card work as well ?

Out here in Belgium Apple pay is accepted on 99% of the terminals as well but as soon as you go over the limit of the contactless payment of a card (50€) it stops working and you need to revert to the physical card.

This isn't what full support for apple pay is about: I've bought e.g. an Apple watch in the US in an Apple store using Apple pay: no problem at all, ditto in Germany. But outside of Apple stores finding the merchants that truly do the full Apple pay integration for ANY amount: it feels much harder to find them for me and that means I use it far less than I would want to.
My last big purchase with Apple Pay was 1300 euro for delivery and installment of some replacement kitchen equipment.
 
  • Like
Reactions: SFjohn

klunernet

macrumors regular
Jul 14, 2011
120
308
Hoorn, NL
Why anyone needs to pay online with Apple Pay in the Netherlands is beyond me, there are literary lots of others available, no need for another one.
Checking out with Apple Pay and Apple watch is on another level though, it's convenient and secure.
It’s by far the fastest option of all available options. I use it a lot.
 

hagar

macrumors 65816
Jan 19, 2008
1,445
3,161
In the Netherlands a payment without pin is also €50 per payment and up to €100 at a maximum when combining multiple payments. So you're at most losing €100.

Still not a problem though. Theft and loss are always fully covered, so the bank will reimburse you the €100.
Then what are we worried about. Why use a pin code at all. Who cares thieves can take all your money. It’s all reimbursed.

Until it’s not… a bank can refuse to pay you back if they suspect you have been negligent, there might be excess costs, they might be difficult at first so it becomes a thing... and in the end we all pay higher bank costs.

I prefer Apple Pay over bank cards any day. if a guy sits next to me on the train and reads out my wallet, I don’t want to give him the satisfaction of giving him free money.
 
Register on MacRumors! This sidebar will go away, and you'll see fewer ads.