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    • Apple Pay for Business Debit Cards

    Apple Pay for Business Debit Cards

    Set up and use Apple Pay

    Set up in minutes and enjoy:

    • Speed: Pay in seconds with your mobile device.
    • Security: Your card details are never shared with merchants.
    • Simplicity: One less thing to carry, one more way to stay in control.
    Mobile phone displaying Apple Pay for Bank of Scotland Business Debit Card

    How to add your card

    The easiest way to add your card to Apple Pay is using the Business banking app. Add your card in a few simple steps.

    Add in the Business banking app

    1. Log in to the app and choose ‘Cards’ on the bottom right. Then select ‘Apple Pay’.
    2. Select your business debit card and then ‘Add to Apple wallet’.
    3. Next, confirm your card details and accept the terms and conditions.
    4. Your card is now added to Apple Pay and you can select as your default card.

    Add in the Apple Wallet app

    1. Open the Apple Wallet app on your iPhone then select the + sign in the top-right corner. Or select 'Wallet & Apple Pay' from either the Apple Watch app, iPad settings or Mac System preferences followed by 'Add Card'.
    2. Select your business debit card then follow the on-screen instructions.
    3. To add your card details, tap or hold your card close to your iPhone, or using your camera scan the card or type the details manually.
    4. Then follow the step-by-step guide.
    5. You may need to verify your card. Select one of the options on screen and follow the instructions.
    6. Your card is now added to Apple Pay and you can select this card as your default card.

    Add in the Business banking app

    1. Log in to the app and choose ‘Cards’ on the bottom right. Then select ‘Apple Pay’.
    2. Select your business debit card and then ‘Add to Apple wallet’.
    3. Next, confirm your card details and accept the terms and conditions.
    4. Your card is now added to Apple Pay and you can select as your default card.

    Add in the Apple Wallet app

    1. Open the Apple Wallet app on your iPhone then select the + sign in the top-right corner. Or select 'Wallet & Apple Pay' from either the Apple Watch app, iPad settings or Mac System preferences followed by 'Add Card'.
    2. Select your business debit card then follow the on-screen instructions.
    3. To add your card details, tap or hold your card close to your iPhone, or using your camera scan the card or type the details manually.
    4. Then follow the step-by-step guide.
    5. You may need to verify your card. Select one of the options on screen and follow the instructions.
    6. Your card is now added to Apple Pay and you can select this card as your default card.

    Frequently asked questions

    • What devices are compatible with Apple Pay? expandable section

      Visit the Apple website to check which devices are compatible with Apple Pay and where you can use them to make payments and purchases.

    • What is the transaction limit for Apple Pay? expandable section

      To protect you from fraud, we may restrict the value or number of payments you can make using Apple Pay. Make sure you carry your physical business debit card with you just in case. Some retailers may also limit payments to £100.

    • Does the Wallet app show my recent transactions? expandable section

      You’ll be able to see your most recent transactions made using Apple Pay on that device. All your card transactions will appear on your bank statement in the usual way.

    • Can I use multiple cards with Apple Pay? expandable section

      Each Apple Pay enabled device can load up to eight cards. As devices do not share cards, if you want the same card on two different devices, you’ll need to load the card on each device separately.

    • Can I use Apple pay when I’m abroad? expandable section

      All retailers who accept contactless payments will accept Apple Pay whether they’re in the UK or overseas. Different transaction limits will apply depending on which country you’re in. We recommend carrying your physical card as a backup in case a retailer is unable to accept Apple Pay.

      If you use Apple Pay to pay with a card overseas, standard overseas charges will apply according to your card terms and conditions. Based on your mobile plan and mobile networks offering, additional message data charges and foreign transaction fees may also apply.

    • My card is in Apple Wallet, but payments are not working expandable section

      If your card shows in Apple Wallet, but you still can’t make a payment, it’s likely because the card has been added but isn’t active yet.

      To activate your card: 

      1. Open Apple Wallet
      2. Select your card
      3. Follow the steps shown to complete activation
      4. Once activated, your card will be ready to use.

    • I got an SMS saying my card had been added to Wallet, but this wasn't me expandable section

      If you did not add your card to Apple Wallet yourself, please call us on 0800 056 0161 or +44 131 203 3112 immediately to get the help to secure your account and investigate the activity.

    • Lost or stolen cards or devices expandable section

      Report your business card as lost or stolen.

      You can start using your new card once it’s available in the app, usually before you receive it in the post.

      Find out what to do if your Apple device is lost or stolen and how to remove cards from the Apple Wallet.

    • What happens when I replace or update my Apple device? expandable section

      If you replace or update your device, you’ll need to add your card(s) again to the new device. Be sure to remove your card(s) from Apple Pay before your dispose of your device.

    • Still need help? expandable section

      Call us on 0345 901 3122 to get help if you’re still experiencing issues.

      If you need to speak to someone, our agents are here to help Monday to Friday, 8am to 6pm, and Saturday, 9am to 2pm.

    View our privacy policy

    View terms of use for Apple Pay

    Mobile banking is available to internet banking customers. We don’t charge you for internet banking, but your mobile phone provider may charge for some services. Please check with them. Phone signal and functionality may affect services. Terms and conditions apply.

    Apple and the Apple logo are trademarks of Apple Inc., registered in the US and other countries. App store is a service mark of Apple Inc.

    Apple Pay is not available on all debit cards, credit cards and accounts. Available on iPhone 6/6+ and above, iPad with Touch ID and Apple Watch, with the latest version of iOS required.

    Important legal information

    Bank of Scotland plc. Registered Office: The Mound, Edinburgh EH1 1YZ.  Registered in Scotland no. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under Registration Number 169628.

    Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).

    Please note that due to FSCS and FOS eligibility criteria not all business customers will be covered.

    Lloyds Banking Group is a financial services group that incorporates a number of brands including Bank of Scotland. More information on Lloyds Banking Group can be found at lloydsbankinggroup.com.

    © Bank of Scotland plc 2026. All rights reserved

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