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Apple Pay

Your iPhone, iPad or Apple Watch is the easy way to pay in-store or online.

It’s easy to make payments wherever you see the contactless or Apple Pay sign. Just make sure you have a compatible device and are using iOS 8.3 or higher.

Easy to set up

First, you’ll need your Clydesdale Bank Debit Mastercard or Credit Mastercard.

Then go to the Wallet app on your iPhone or iPad. You’ll need to have Touch ID enabled on your device.

The Wallet app will then guide you through the simple steps.

How to Pay

Look out for the Apple Pay or contactless logo in-store. Simply hold your iPhone close to the contactless reader and place your finger on Touch ID.

When the payment’s complete your phone will beep and vibrate. You’ll also see ‘Done’ on the display.

Secure payments

Because Apple Pay uses your fingerprint, only you can make payments with your phone.

So if your iPhone, iPad or Apple Watch is lost or stolen, no one else can use it to make payments. Plus, you can use ‘Find My iPhone’ on iCloud to disable Apple Pay, or wipe your phone completely.

Some retailers may limit individual payments to £30.

Apple Pay, the Apple logo, iPhone, iPad, Apple Watch, and Touch ID are trademarks of Apple Inc.

  • Works with all your Clydesdale Bank cards

    If you have a Clydesdale Bank debit or Mastercard credit card, you can use both to Apple Pay. If you add several cards to your wallet, you can set one as your default card.

  • Making in-app payment

    In-app payments with Apple Pay are secure and simple too. At the checkout, select Apple Pay. You’ll be asked to confirm the payment with Touch ID.

  • Pay with Apple Watch

    Use the Watch app on your iPhone to set up your Apple Watch with Apple Pay. To make a payment, just double click your Apple Watch’s side button, then hold the watch next to the contactless reader. A tap and beep will let you know the payment’s complete.

Your questions answered
Is there a maximum payment I can make with Apple Pay?

We may restrict the value or number of payments you can make using Apple Pay and some retailers will limit individual payments to £30.

Are my card details stored on my phone?

No. Apple Pay uses a Device Account Number that’s unique to your phone or watch. This means your account details aren’t shared with anyone. The Device Account Number will only work on your phone.

Is there a charge for using Apple Pay?

No. Just like making a chip and PIN or contactless payment with your card, using Apple Pay is completely free. You might have to pay network charges to your phone service provider depending on the contract you have with them.

What devices does Apple Pay work with?

For in-store payments, you’ll need an iPhone SE, iPhone 6, iPhone 6 Plus, iPhone 6s, iPhone 6s Plus or later. You can also use an Apple Watch paired to an iPhone 5 and above.

For in-app payments, you’ll need an iPhone SE, iPhone 6, iPhone 6s Plus, iPhone 6s, iPhone 6s Plus, iPad Pro, iPad Air 2, iPad mini 4, iPad mini 3 or later.

How do I set up Apple Pay?

On your iPhone, open the Wallet app and press the ‘+’ sign in the top right corner. The app will guide you through the process for adding a card. For an Apple Watch, open the Apple Watch app on your iPhone and follow the instructions. If you have an iPad with Touch ID, go to Settings then to ‘Wallet & Apple Pay’, then tap ‘Add Credit or Debit Card’.

Can I use the same card for Apple Pay on multiple devices?

Yes. You can use the same card on up to nine compatible devices.

Can I use multiple cards on the same device?

Yes. You can load up to eight cards on each device. The default card will be the first card you loaded, unless you change your default.

I have more than one card set up on Apple Pay. How do I change the default?

Your default card will be the first card you set up on Apple Pay. To change the default card on an iPhone, open the Wallet app, then tap and hold the card you want to make the default - simply drag it to the front of your ‘stack’ of cards.

On an iPad, go to Settings then select ‘Wallet & Apple Pay’. Tap on Default Card to select the card you’d like to make your default.

How do I remove a card from my device?

In the Wallet app, tap on the card then touch the small ‘i’ icon in the bottom right hand corner. The ‘remove card’ option is at the bottom of the screen.

Can I use Apple Pay to pay for public transport in London?

Yes – it works on buses, trams, the tube and rail services. When you’re travelling by tube or rail you’ll need to tap in and out. Make sure you have enough battery power to last the full journey, and don’t switch your device off.

If you use both Apple Pay and your contactless payment card, or you use Apple Pay on both an iPhone and an Apple Watch, they'll be treated as separate methods of payment. You must choose which one you want to use to pay for all your travel and use the same one every time.

Where can I see my recent Apple Pay transactions?

They’ll appear on your bank statement, just like your other transactions. Depending on the transaction type, your ten most recent transactions will also be shown in your Wallet. Any Debit card transactions will appear in statements, internet banking and our banking apps as 'WLT'. Any Credit card transactions will appear as a normal contactless transaction.

Can I use Apple Pay abroad?

Yes, just look out for the contactless or Apple Pay logos. Remember, when you use Apple Pay abroad there might be different payment limits, and the standard overseas transaction charges will apply.

What happens if I need to return an item?

Some retailers will make any refund back to your device, but others may want to make the refund direct to your card – so it’s a good idea to carry that with you as well. If you have multiple cards on your device, make sure you select the one you made the original payment with.

Can I turn off notifications about Apple Pay payments?

Yes, just access the card you want to stop notifications for using your Wallet or through the Settings menu. If you switch card notifications off, you’ll no longer be able to see your last ten transactions in the Wallet app.

What should I do if my card is lost or stolen?

Please contact us as soon as you can. We will cancel the lost card so that no further purchases can be made and arrange for a replacement card to be issued. For Debit cards, there will be a short break in service (around 24 hours) while the link between your new card and the wallet is updated, this is done automatically for you. You can then continue to use Apple Pay while you wait on your physical card to arrive. For Credit cards, this will be updated on the same day so you can continue to use your card on your device.

Lost and stolen cards: 0800 345 7365

What happens if I lose my device?

Tell us right away. If you let us know you’re an Apple Pay user, we’ll disable your card for use with Apple Pay. Visit www.icloud.com Opens in a new window to turn on lost mode using ‘Find my iPhone’. You can also visit www.icloud.com Opens in a new window to remove your card from an Apple Watch.

Apple specific number: 08000 280 613

I’ve just received a new card. Will Apple Pay be automatically updated?

If this card is replacing a card of the same type, your wallet will be automatically updated with your new card details for you to continue using Apple Pay. However, if this is a new card type (maybe you’ve changed your account with us or requested different functionality) or if you've never used Apple Pay before, you’ll have to manually add your new card to your Apple Pay wallet.

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