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Apple Pay FAQs

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What is Apple Pay and which devices are compatible?

Apple Pay is a new way to pay in stores using your iPhone or Apple Watch*, and within some apps on your compatible iPhone or iPad. Simply add your HSBC Credit or Debit card to Wallet and you can transact using Apple Pay.

*when paired with iPhone 5 or later

Apple Pay is currently made available by Apple on the following devices, running iOS 8.3 or later:

In app and in store

iPhone 6s, iPhone 6s Plus, iPhone 6, iPhone 6 Plus, and iPhone SE.

In store

Apple Watch when paired with an iPhone 5 or later model.

In app

iPad Pro, iPad Air 2, iPad mini 4, and iPad mini 3.


See the Apple website for more support.


Which HSBC credit or debit cards can I use with Apple Pay?

Most HSBC credit and debit cards are eligible for Apple Pay, subject to status.

  • HSBC Premier Credit Card
  • HSBC Visa Credit Card
  • HSBC MasterCard Credit Card
  • HSBC Welsh Credit Card
  • HSBC Student Credit Card
  • HSBC Student Welsh Credit Card
  • Your Bank at Morrisons Credit Card
  • HSBC Platinum Credit Card
  • HSBC Gold Visa Credit Card
  • HSBC Gold MasterCard Card
  • HSBC Visa Debit Card
  • HSBC Advance Debit Card
  • HSBC Premier Visa Debit Card
  • HSBC Premier World Elite Credit Card
  • HSBC Classic Credit Card


How do I set my HSBC card as the default card for Apple Pay?

The first card you add to Wallet is your default card. To change your default card go to 'Settings', select 'Wallet & Apple Pay' and tap 'Default Card'. Select your HSBC card to make it the default card for transactions.

You can also change a default card by selecting the card you would like to make the default, and dragging it to the front in Wallet. Tap 'OK' when prompted.


Where can I use Apple Pay and is it free to use?

Apple Pay can be used wherever you see the contactless payment symbol. It can be used for travel with TfL on buses and the London Underground. A £30 limit will apply to transactions in most cases; ask the retailer for further details.

You can also make in-app purchases on your compatible iPhone or iPad.

HSBC won't charge you for using Apple Pay, but charges from your mobile network provider may apply depending on your data plan.


What should I do if I lose my iPhone, iPad, Apple Watch or my card?

If your iPhone, iPad or Apple Watch is lost or stolen, you can go to or use the Find My iPhone app to suspend or permanently remove your HSBC card from that device. This will happen even if your device is offline and not connected to a mobile or Wi-Fi network.

Apple will also be able to remove your card(s) from a device.

Alternatively, you can call us on 03456 002 290* to suspend or remove your card from Apple Pay.

If you lose your HSBC card, you can log into your UK mobile banking application and follow our Lost & stolen journey to cancel your card straight away. You will also have the ability to instantly order a replacement card to your address on the app.

If you lose your card, please contact us immediately on 03456 007 010*. Your actual card will be deactivated, and you will not be able to continue to use Apple Pay with this card. When we issue you a new card, you will need to register it with Apple Pay again.

* Lines are open 8am to 10pm every day except for Christmas Day, Boxing Day and New Year's Day. Calls may be monitored or recorded.


What happens when I replace or update my device?

If you replace or update your device, you will need to add your card(s) to Wallet again.

Please ensure that you remove your card(s) from any device before selling, exchanging, or disposing of them. You should also remove your card if you temporarily pass your device to someone else; for example if you pass it to be repaired.

You can remove a card from Apple Pay at any time. Go to 'Settings' > 'Wallet & Apple Pay', tap the card that you want to remove, then tap 'Remove Card'.


Is Apple Pay secure?

Apple Pay is a secure way to make payments. With Apple Pay, instead of using your actual HSBC credit and debit card numbers when you add your card, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, a dedicated chip in iPhone, iPad, and Apple Watch. When you make a purchase, the Device Account Number, along with a transaction-specific dynamic security code, is used to process your payment so your actual credit or debit card numbers are never shared by Apple with merchants or transmitted with payment.

To protect your card:

  • You must not choose a device passcode that can be easily guessed by anyone else or tell anyone else what your device passcode is;
  • And you must ensure that you do not store anyone else's fingerprint within your Apple Pay device.


I have been prompted for a one-time passcode. What is this and why is it required?

For security purposes, we may ask you to enter a one-time passcode to confirm your identity. This code is a unique series of numbers and/or letters and will be sent via email or text. If prompted, please select how you wish to receive the one-time passcode and then enter it into the appropriate field.


iPhone X and Apple Pay

To use your default card, double-click the side button, then glance at iPhone X to authenticate with Face ID or enter your passcode. 

Hold the top of iPhone X within a few centimetres of the contactless reader until you see done and a checkmark on the display.

It’s easy to get in touch online. Talk to us directly through our chat channels.