Frequently Asked Questions

 Apple Pay

See below commonly asked questions, or check out our handy guide to Apple Pay.

  • • iPhone 6 or later

    • Apple Watch; requires iPhone 6 or later

    • iPad: iPad Pro, 5th generation iPad, iPad Air 2, iPad mini 3 and later

    • Mac: Mac 2012 or later with an Apple Pay-enabled iPhone or Apple Watch, Mac models with Touch ID


    A full list of Apple Pay compatible devices can be found at:

  • The easiest way to add your Aqua card to Apple Pay is via the Aqua app, if you haven’t already, download it today from the App Store. Once in the app, follow the following instructions to add your card to Apple Pay:

    • In the ‘My Card’ tab select ‘Add to Apple Wallet’

    If you don’t have the Aqua app, or prefer to add your card directly from the Wallet app:

    • For iPhone, open the Wallet app and tap the ‘+’ sign in the top right corner, then follow the instructions to add your card to your wallet
    • For Apple Watch, open the Apple Watch app on your iPhone and select ‘Wallet & Apple Pay’, then tap ‘Add Credit or Debit Card’
    • For iPad, open Settings, select ‘Wallet & Apple Pay’, then tap ‘Add Credit or Debit Card’
    • For MacBook Pro with Touch ID, open System Preferences, select ‘Wallet & Apple Pay’, then select ‘Add Card’


    More information can be found at:

  • Open your Wallet app and drag the card to the front.

  • Paying in stores:

    To pay with Face ID, double-click the side button, glance at your screen, then hold iPhone near the reader. For Touch ID, hold your iPhone near the reader with your finger on Touch ID. On Apple Watch, double-click the side button and hold Apple Watch up to the reader.


    Paying in apps and on websites:

    On your iPhone and iPad, select Apple Pay at checkout and complete the payment using Face ID or Touch ID. On your Mac, select Apple Pay and complete the payment using your iPhone or Apple Watch. On MacBook Pro, pay using Touch ID on the Touch Bar.

  • Apple Pay does not send your real card number to the merchant, instead a unique code is assigned. Your Aqua card details are not stored on your device because when you pay using Apple Pay the data is encrypted.  Every payment you make requires Touch ID, Face ID or a passcode for added security.

  • No, if you have gone overlimit or miss a payment your card will not work on Apple Pay.

  • You can make payments for any amount so long as your credit limit allows, but some merchants apply a contactless limit of £45. Transactions made in-app and online are not limited to a specific amount.

  • If your phone has been lost or stolen, or compromised in any other way, you will need to call our Contact Centre on 0333 220 2691* immediately to disable your card in Apple Pay. You can use Find My iPhone to set your device in ‘Lost Mode’ via the following link: You can then secure it with a new password, or erase your personal data. . Your physical card will not be disabled if you request to only disable Apple Pay.

  • After reporting your card lost or stolen, your new physical card will be sent in the post, and your card in your Apple Pay wallet will be immediately linked to your new physical card, allowing you to spend via Apple Pay whilst you wait for your physical card to arrive.

  • Apple Pay can be used anywhere you see the Apple Pay or Contactless icons around the world.

  • Yes, Apple Pay can be used anywhere you see the Apple Pay or Contactless icons.

  • Yes, additional cardholders can add their card to their Apple Pay.


*Calls may be recorded and monitored for training and security purposes and to help us manage your account. Calls to 0333 numbers will be charged at a standard national rate. Call costs from mobile companies and operators may vary so please check before calling.