Apple Pay launches in the UK

Creamy Goodness

Ulster bank are a partner.

Can someone who's got an Irish Ulster Bank account change their region settings to the U.K. open up Passbook/Wallet and see if they can add their card?

Might move banks if you can add it.

SpaceTime

The banks here will of course drag their feet on this, like everything.

Creamy Goodness

SpaceTime wrote: »

The banks here will of course drag their feet on this, like everything.

If we don't kick up a fuss about it then they definitely will. but this isn't the point of the thread, I'd like to find out if Irish issued Ulster Bank cards will get verified and thus giving me a reason to switch banks

murpho999

Creamy Goodness wrote: »

If we don't kick up a fuss about it then they definitely will. but this isn't the point of the thread, I'd like to find out if Irish issued Ulster Bank cards will get verified and thus giving me a reason to switch banks

I find it an amazing reason to switch banks to be honest.

Also, I don't think it's that simple as I think the Irish terminals would have to be updated to accept the payments.

SpaceTime

AFAIK, even if you did activate it here, the terminals would only recognise it as a contactless credit/debit card and you'd be limited to €15 per transaction or €30 later this year.

There was some rumour of both AIB and Bank of Ireland being in talks with Apple, but that could be utter nonsense too.

The physical terminal technology is in place in a lot of retailers in Ireland already, all it requires is some tweaks to software.

Creamy Goodness

I have no ties to my bank, they're as expendable as my 30day rolling cellular contract in fact even more so.

the terminals don't need to be updated (obviously some will but there's a good chance they "just work") - https://support.apple.com/en-ie/HT204274, people from the States have successfully been able to use Apple Pay of here so

My point of sale terminal is already NFC/contactless payment-capable. Can I accept Apple Pay right away?
If you accept contactless payment today, you're likely able to accept Apple Pay without any changes. If you’re not already accepting contactless payments, contact your payment provider to verify that your point of sale setup can accept Apple Pay, and then ask them to enable it.

murpho999

Creamy Goodness wrote: »

I have no ties to my bank, they're as expendable as my 30day rolling cellular contract in fact even more so.

the terminals don't need to be updated (obviously some will but there's a good chance they "just work") - https://support.apple.com/en-ie/HT204274, people from the States have successfully been able to use Apple Pay of here so

You may have ties to your bank in terms of what charges you pay and then all your direct debits, salaries etc.

Changing bank is not as easy as you think.

Either way I do not think it will be so straight forward to use Apple Pay with a UK card here as I would imagine there would be some technical hitch preventing it.

Creamy Goodness

I don't have direct debits, salary is easy to change as the company i work for are easy to ask these things.

Anyways I got my answer via Twitter it's NI only for Ulster Bank at the moment.

Zhane

I just tried to add my card. It says "This issuer does not yet support Apple Pay". Doesn't surprise me as I wasn't expecting it to work. Ulster Bank in the ROI doesn't even issue contactless cards yet.

OU812

I'm with Ulster, they'll also allow you to open an account in their Newry branch by post FOC. I find them to be a fantastic bank.

I have a NI card as well as my standard IE one, I changed the settings & restarted my phone & I now have access to add a credit or debit card to my account, but I don't have it with me. Planning on adding it later, will report back when I do.

Creamy Goodness

Zhane wrote: »

I just tried to add my card. It says "This issuer does not yet support Apple Pay". Doesn't surprise me as I wasn't expecting it to work. Ulster Bank in the ROI doesn't even issue contactless cards yet.

They do, my girlfriend has one, albeit on her credit card for some reason. Couldn't try it with her card as she's away on business.

vinnycoyne

I would suggest that you all contact your banks and hassle them to support Apple Pay.

Zhane

Creamy Goodness wrote: »

They do, my girlfriend has one, albeit on her credit card for some reason. Couldn't try it with her card as she's away on business.

I suppose thats progress. I made complaint to them last month about lack of information I was getting in regards to a timeline on when the Visa Debits will be contactless. I was told by the years end,but no firm date yet. I'll believe it when I see it. Im not holding out much hope we will see Apple Pay here anytime soon.

OU812

vinnycoyne wrote: »

I would suggest that you all contact your banks and hassle them to support Apple Pay.

Won't do any good. I know someone very high up in marketing in one of them & she can't get them to do some stuff that would be great for banking.

They prefer the older ways here.

SpaceTime

Creamy Goodness wrote: »

I have no ties to my bank, they're as expendable as my 30day rolling cellular contract in fact even more so.

the terminals don't need to be updated (obviously some will but there's a good chance they "just work") - https://support.apple.com/en-ie/HT204274, people from the States have successfully been able to use Apple Pay of here so

Terminals don't need to be updated in terms of firmware but they do need to be updated to process the transactions as something other than just a random contactless card as otherwise you're limited to €15 or €30 and it will block the card after 3 uses until used with chip and pin

Zhane

OU812 wrote: »

Won't do any good. I know someone very high up in marketing in one of them & she can't get them to do some stuff that would be great for banking.

They prefer the older ways here.

All it takes is one of them to get on board. The banking market in Ireland is so small, we have 5 major banks? I reckon, if any banks will get behind it it would KBC and Ulster. The biggest hold out will be BOI.

SpaceTime

OU812 wrote: »

Won't do any good. I know someone very high up in marketing in one of them & she can't get them to do some stuff that would be great for banking.

They prefer the older ways here.

Not really. AIB has launched a lot of tech.

The Irish backs prefer gouging ways though. They charge very large fees, incentivise people to use cash and then blame "culture" for low card usage.

Small Retailers here also notice card fees and impose tons of restrictions, forgetting that banks charge to bank cash too. They've also clearly in need of shopping around for better deals.

OU812

Zhane wrote: »

All it takes is one of them to get on board. The banking market in Ireland is so small, we have 5 major banks? I reckon, if any banks will get behind it it would KBC and Ulster. The biggest hold out will be BOI.

If you look at US banking where your banking app can scan a cheque & it's deposited in your account immediately, or you can walk into any branch (with the correct ID & walk out with an account open & a debit card in your hand (produced in branch), or UK banking where you can make manual deposits to your mortgage account to be taken off your principle or see pending transactions on your debit card in a live scenario (don't have to wait for it to resolve). There's absolutely zero impetus for them to improve the service they give here if it's going to cost them.

Frankly I'm surprised we have visa debit or contactless.

SpaceTime

OU812 wrote: »

If you look at US banking where your banking app can scan a cheque & it's deposited in your account immediately, or you can walk into any branch (with the correct ID & walk out with an account open & a debit card in your hand (produced in branch), or UK banking where you can make manual deposits to your mortgage account to be taken off your principle or see pending transactions on your debit card in a live scenario (don't have to wait for it to resolve). There's absolutely zero impetus for them to improve the service they give here if it's going to cost them.

Frankly I'm surprised we have visa debit or contactless.

I can see my debit card transactions (pending) live here in Ireland already.

Cheques are being phased out here by 2017. They'll be investing nothing in encouraging their use.

AIB has me2u which lets you pay to anyone with their phone number using an app. They've also pushed mobile debit card devices for small retailers to take cards in recent months.

I find Bank of Ireland the worst in terms of technology. Their online banking is really awful and so hugely restrictive.

We'd to make a payment for a car recently and BOI couldn't process it on Internet banking and did it in branch with paper !!
Wouldn't have been any problem on AIB.

loyatemu

Ulster Bank don't even have contactless on their existing debit cards here.

OU812

SpaceTime wrote: »

I can see my debit card transactions (pending) live here in Ireland already.

Can't on UB

SpaceTime wrote: »

Cheques are being phased out here by 2017. They'll be investing nothing in encouraging their use.

There's actually been some pushback on this by schools & churches who have no way of processing non cash payments. That phase out may be quite a bit longer away.

SpaceTime wrote: »

AIB has me2u which lets you pay to anyone with their phone number using an app. They've also pushed mobile debit card devices for small retailers to take cards in recent months.

This is possible with UB also but doesn't always work

SpaceTime wrote: »

I find Bank of Ireland the worst in terms of technology. Their online banking is really awful and so hugely restrictive.

I'd agree with that

SpaceTime wrote: »

We'd to make a payment for a car recently and BOI couldn't process it on Internet banking and did it in branch with paper !!
Wouldn't have been any problem on AIB.

There's no reason all financial transactions can't be electronic apart from lack of will

nokia211

Can someone please confirm that the ulster bank debit card won't work in the Republic of Ireland?

Zhane

nokia211 wrote: »

Can someone please confirm that the ulster bank debit card won't work in the Republic of Ireland?

They don't.

Zcott

As a northerner looking to give this a go I was pretty disappointed to find out my bank won't support it until autumn...and it's not worth switching for me.

fifth

My visa debit card snapped this week so I'm waiting for another card. Apple pay would have come in very handy this week.

OU812

Ok, just tried my NI UB card & it says it's not supported. The card isn't contact less, don't know if that makes any difference.

The Black Oil

AIB and BOI reps are active on the Talk to sections on boards. Worth asking there?

keith_d99

Ulster Bank have the nicest iOS banking app I've seen (even has TouchId).

It's probably the UK Natwest wrapped as Ulster Bank.

As others have said ... No contactless on Visa Debit

Doubt Apple Pay would work without the implemented on their cards first.

Looking forward to dumping the wallet.

dloob

SpaceTime wrote: »

I can see my debit card transactions (pending) live here in Ireland already.

Cheques are being phased out here by 2017. They'll be investing nothing in encouraging their use.

AIB has me2u which lets you pay to anyone with their phone number using an app. They've also pushed mobile debit card devices for small retailers to take cards in recent months.

I find Bank of Ireland the worst in terms of technology. Their online banking is really awful and so hugely restrictive.

We'd to make a payment for a car recently and BOI couldn't process it on Internet banking and did it in branch with paper !!
Wouldn't have been any problem on AIB.

And with AIB at least you can make manual deposits to your mortgage account and they will be taken off the principle and the repayments adjusted.
I'd be confident enough they will support Apple Pay once Apple gets around to launching it here, but Ireland won't be a priority to get going for Apple.

Creamy Goodness

you'd be surprised, yes we haven't had love with the watch etc. but rolling out apple pay to europe should be reasonably straight forward. The States is done, China is the next big difficult one, europe were pretty much low hanging fruit.

loyatemu

keith_d99 wrote: »

Ulster Bank have the nicest iOS banking app I've seen (even has TouchId).

It's probably the UK Natwest wrapped as Ulster Bank.

As others have said ... No contactless on Visa Debit

Doubt Apple Pay would work without the implemented on their cards first.

Looking forward to dumping the wallet.

UB's mobile app is surprisingly slick, considering they're 5 years behind the other banks in every other respect.

SpaceTime

loyatemu wrote: »

UB's mobile app is surprisingly slick, considering they're 5 years behind the other banks in every other respect.

After that computer systems glitch a few years ago I stopped using my account with them.

Never found them very high tech. I'd say it's purely a case of just having their parent company's app.

The Ayatolla

KBC also have a slick app in fairness. TouchID as well.

Wish PTSB had the same

SpaceTime

AIB's isn't too bad, but touch ID would be a nice addition.

keith_d99

SpaceTime wrote: »

AIB's isn't too bad, but touch ID would be a nice addition.

It's a mobile site wrapped in an App .. not a native app.

They do say that it will be updated soon though.

Native apps, while more expensive to develop, are always much slicker

dave oc

The Irish App Store is showing an ad for apple pay saying 'buy with apple pay'. Tapping on the tile doesn't load the page, it just shows me a blank page. I'm guessing this is a mistake. Anyone else seeing it?

DubDJ

dave oc wrote: »

The Irish App Store is showing an ad for apple pay saying 'buy with apple pay'. Tapping on the tile doesn't load the page, it just shows me a blank page. I'm guessing this is a mistake. Anyone else seeing it?

I clicked it and got a message telling me it wasn't available in the Republic of Ireland. They probably just release apps and music in Ireland the the UK together normally so they put that on the App Store homepage.

Elessar

I'm really looking forward to the future with this technology. Hopefully phone-based payments become the de-facto standard for everything. And FYI the current Apple Pay rollout will only allow transactions up to a maximum of £20. Anything over that and you've to pull out your card. It's unfortunate but that's with the current hardware you see in most shops - there is a newer standard for transactionless exchange that allows any amount but retailers will need new hardware first. Might take a few years for it to become commonplace.

And while we're on it - receipts. Why on earth are we still using paper receipts for everything, my trouser pockets are full of receipts I don't need every week. Hopefully someone will figure out a way to attach electronic receipts to each NFC transaction to save us all that hassle!

OU812

Elessar wrote: »

.

And while we're on it - receipts. Why on earth are we still using paper receipts for everything, my trouser pockets are full of receipts I don't need every week. Hopefully someone will figure out a way to attach electronic receipts to each NFC transaction to save us all that hassle!

This. One of the great things about buying in an Apple Store is the fact your receipt is emailed to you instantly.

Creamy Goodness

American Apparel send email receipts too, but you have to spell out your email as opposed to Apple going is this your email based on credit card matching via iTunes.

jaymcg91

I have Apple Pay set up on my phone because I have a UK card - can I use it over here?