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True, but the beauty of the OC to me is how disposable it is. So I can keep my debit card, my phone stashed away deep in a pocket whilst keeping the OC close to hand. They do make excellent back ups just in case I didn't top up the OC though!


Really? I'm sure I heard some Android phones supported NFC. Could be wrong. I don't live in America.

The Oyster card has surely had its day. I just got rid of it as soon as they launched contactless as its just an extra card in your wallet. Contactless has all the benefits of oyster and also the added convenience of not having to top it up or add travel cards all the time. People are just used to using it and will surely only be used by the minority and will gradually be phased out in time.... or maybe just used by tourists.
 
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I am in the UK and I have a U.S. Debit card. When I set the region to US on my iPhone I was able to scan the card in and Apple Pay showed within the Passbook App. It also showed on my watch.
I then started having problems with my watch...no notifications, no music etc.
After hours of chatting to Apple support, a senior advisor told me to install a clean copy of the IOS in my phone. This fixed the problems on my watch. The advisor said that data on my phone had been corrupted....most probably by me trying to use Apple Pay by cheating...pretending I was in the USA when I was not!
 
Come on HSBC. Can't wait for this. I work for one of the launch retailers so looking forward to using this.
Yeah come on Hong (K)ong Shankhai Banking Corporation. More 'British' banks please.

TSB anyone?
 
The Oyster card has surely had its day. I just got rid of it as soon as they launched contactless as its just an extra card in your wallet. Contactless has all the benefits of oyster and also the added convenience of not having to top it up or add travel cards all the time. People are just used to using it and will surely only be used by the minority and will gradually be phased out in time.... or maybe just used by tourists.
And loosing all travel anonymity at the same time...
 
Yeah come on Hong (K)ong Shankhai Banking Corporation. More 'British' banks please.

TSB anyone?
Actually, HSBC Holdings PLC is a British multinational banking and financial services company headquartered in London. The HongKong Shanghai Banking Corporation is a subsidiary company of that.
 
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Never understood why British people bank will foreign banks. Patriotism? Hmmm
Because some took over British banks, like Santander took over Abbey National and HSBC purchased Midland Bank in 1992.
 
How did they register the cards? I can't see an option in passbook to go anywhere near credit or debit cards
 
I may be misinformed on this point. Am I fair in saying that the UKs adoption of contactless is significantly more prevalent than US then?

The point I was trying to make is that if Barclays were to support ApplePay then from a customer use case point of view the customer would actually have more steps to take to pay with their phone than the debit / credit card already in their pocket.
The UK has the highest usage rates for contactless cards in Europe.
 
Most banks will have their main HQ or atleast their European HQ in the UK.
Most if not all will be n the stock exchange and will have shareholders from different countries. The same goes for any bank or company in any nation.
 
Because some took over British banks, like Santander took over Abbey National and HSBC purchased Midland Bank in 1992.

Abbey National.. Now there's a brand name I've not heard in a long time!
 
As a U.S citizen I'm really looking forward to this - finally getting to see what Apple Pay can do on a 1st world banking infrastructure (meaning it will generally get support at most retailers on launch as opposed to retailers disabling support on launch like they did here in the U.S.).

Those places disabled it because they had pre-existing exclusivity agreements, not because they hate contactless (with the exception of Walmart, but they hate cards altogether). That said, there do seem to be some retailers that aren't bothering to turn NFC on at the same time that they turn chip on (e.g. Target).

2) the US had no contactless. Apple Pay introduced a new convenient payment method. UK already has contactless and it's built into every Barclays debit and Barclaycard credit card. Faster than using ApplePay as no buttons to press. (Yes I do know that ApplePay is more secure)

The Apple Watch is more convenient than taking out a phone or wallet to me even with the extra double-tap. Before I got it I didn't really use Apple Pay as much even though I have an iPhone 6. Plus there's the eventual promise of contactless over the £20 limit.

To be fair the U.S. was rolling out contactless already and many people had contactless cards.

Which most banks (IF they had them; the vast majority have never had that capability) got rid of when they went to EMV/chip. I can count the number of places that still issue them on one hand. It was such a flop that the chip and signature FAQs on bank websites and printed material basically have to say that EMV is not the same as contactless and that the new cards can't be tapped.

I hope Apple Pay doesn't see the same fate here but who knows? Supposedly only 6% of American iPhone 6 users are using it on at least an occasional basis and most iPhone owners I've talked to don't even know the feature exists.

Really? I'm sure I heard some Android phones supported NFC. Could be wrong. I don't live in America.

Sure, but that doesn't help if a) the main NFC application on Android is locked out of 90% of American phones by the major carriers and b) there's almost nowhere to use it. Fortunately both have gotten better.

I may be misinformed on this point. Am I fair in saying that the UKs adoption of contactless is significantly more prevalent than US then?

Yep, but we'll see in a few years.
 
Halifax is coming in October, right? *sigh* Another few months. I hope for two things, the pay limit to increase and everywhere to have contactless payments. At that point I can leave my wallet at home forever!
 
Well, it's roots are in Hong Kong, but it's HQ has been in London since the early 90s. The parent company, HSBC Holding Plc is a British company.
You realise Hong Kong was part of the British Empire when HSBC was founded there right?

I'd say that makes it fairly British ;)

@CJM - Halifax have stated the Autumn for their roll out - kinda expected them to be late to the party, they've not even issued me any contactless cards yet
 
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