Apple Pay – Apple Pay banks – Royal Bank of Scotland


Apple Pay

A new way to pay with your Royal Bank of Scotland debit or credit card

Can I use Apple Pay?

If you have recently updated to iOS9 you may have noticed some changes. What's new with iOS9?

What is Apple Pay?

Apple Pay is the new, easy and secure way to pay using your Royal Bank of Scotland debit or credit card.  

- make contactless payments in shops with your Apple device. Contactless limits apply, unless the retailer says otherwise
- earn the same rewards for using your Royal Bank of Scotland debit or credit card
- pay with a single touch within apps

Can I use Apple Pay?

To use Apple Pay in stores you need an iPhone 6/6S, 6/6S Plus, or Apple Watch. Apple Pay can also be used to pay within apps on iPhone 6/6S, 6/6S Plus, iPad Air 2, iPad Pro and iPad Mini 3 and 4.

Apple Pay is available for all personal customers as long as you have the correct device. All Royal Bank of Scotland MasterCard credit cards and Visa credit cards are eligible. Business debit cards and credit cards are not currently supported.

Setting up Apple Pay

Apple Pay RBS

To set up Apple Pay open Wallet on your device. If you have an Royal Bank of Scotland credit or debit card registered with iTunes these details will be retrieved when you first add your card to Wallet. You can also choose to add a new card by using the camera on your device to capture the card details or enter them manually. 

You can verify your card added to Wallet by selecting it and either using a one-time passcode which will be sent to the mobile number you have registered with us, or by contacting us.

Set up Apple Pay on your device
How to use Apple Pay

Paying is easy and secure

You can use Apple Pay to pay in shops that accept contactless payments or within apps when you see the Buy with Apple Pay or Apple Pay button. Contactless limits apply.  

Learn how to use Apple Pay

Earn rewards

Continue to get the rewards, benefits and security that your Royal Bank of Scotland debit or credit card provides. If you have MyRewards, you will continue to earn the rewards on payments you make up to £30 using Apple Pay.More about rewards and benefits

A secure way to pay

Pay securely with Apple Pay

We'll help you to protect yourself

If your device is lost or stolen

How to avoid the latest threats


Phishing is when criminals send convincing looking fraudulent emails to get you to give them your personal information.

More about phishing
Security Phishing

Criminals try to lure you into entering your details at a fake but genuine looking website. Fraudsters then use your details to access your accounts and steal your identity or money. Criminals can also use hyperlinks or attached files within phishing emails as a way to infect your computer or device with malicious software (malware).

Here's how to spot a phishing scam:

When you receive an unsolicited email you should check it for signs that it may not be from the person/company it appears to be from.

  • Check the email address - Is it the same as the email address you usually receive emails from, or just similar.
  • Check the email subject line - anything along the lines of "There is a secure message waiting for you", "Security Alert", "System Upgrade" and so on should be treated as suspect.
  • Check the message title - if it reads 'Dear Customer' or 'Dear Valued Customer' or if isn't personalised at all, then you should be suspicious. Phishing emails will not usually include your name.
  • Be wary if the email asks you to click on a hyperlink or a button to download a file. Wording such as 'verify your account or password' or 'update your security details' should be viewed as suspicious – they are likely to take you to a copycat website where you may be prompted to enter personal details which can be used to commit fraud.
  • Be suspicious of any message that creates a sense of urgency, such as 'If you don't respond within 48 hours, your account will be suspended'. A legitimate company will not create a false sense of urgency.
  • Check the grammar and spelling for mistakes or inconsistencies.

Top Tip! You can hover your mouse pointer over hyperlinks (or buttons) to see the underlying website URL.

Avoiding the phishers


-Royal Bank of Scotland will never ask you for your full PIN or password.

-Never respond to any unexpected or suspicious emails.

-Don't click on any links or attachments within unexpected or suspicious emails.

Reporting suspicious emails
If you have received a fraudulent or suspicious email, and not responded to it, please forward the email to
If you have responded to the email and/or you think that any of your accounts have been accessed by someone other than yourself, call us immediately on 0800 161 5154 Minicom (0800 027 1395). When calling from abroad please dial +44 131 523 7766 (Minicom +44 118 963 9148).

-Text message (SMS) phishing

-Voice phishing (telephone approaches)

-How to protect yourself


These are unsolicited phone calls from fraudsters which encourage you to give out your personal details, such as your card, PIN or card reader codes.

More about vishing

Margaret's story

Voice phishing Beware of approaches on the telephone

What is voice phishing?

These are unsolicited phone calls from fraudsters which encourage you to give out your personal details, such as your card, PIN or card reader codes. The fraudsters can pretend to be your bank, the police, or any other official company.

Sometimes you may get a 'warm up call' where no information is discussed. This is to set the scene for a later call where you may be asked for information.

How to avoid becoming a victim of voice phishing

- Never give your full PIN or Digital/Telephone Banking login details to anyone, even a caller claiming to be from your bank or the police

- If you get a call asking you for this information, end the call immediately

- If you receive a suspicious or unexpected call, always verify the caller using an independently checked phone number such as a contact number from our website

- Remember fraudsters also use techniques to hold your phone line open. When you try to dial out to verify the caller, the fraudster may stay on the line, play a fake dial tone and claim to be the person you're trying to contact. To avoid this, use a different phone line to verify the caller where possible. If not, try calling a friend or family member first to make sure your line is clear

The Little Book of Big Scams (PDF)

What are our customers saying?

Here is what some of our customers had to say about Apple Pay. Visit our community and have your say too.

Apple Pay and Touch ID ™  are trademarks of Apple Inc

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