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

Which devices does Apple Pay work with?

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


How do I add my opus card to Apple Pay?

The easiest way to add your opus card to Apple Pay is via the opus 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:

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

More information can be found at:


How do I make my opus card the default card in my Apple Wallet?

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


How do I use Apple Pay?

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.


Is my card information protected?

Apple Pay does not send your real card number to the merchant, instead a unique code is assigned. Your opus 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.


Can I continue to use Apple Pay if I go overlimit or miss a payment?

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


How much can I spend using 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.


What if I lose my device?

If your phone has been lost or stolen, or compromised in any other way, you will need to call our Contact Centre on [brand number] 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.


What if I lose my card?

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.


Where can I use Apple Pay? Can I use it abroad?

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


Can I use Apple Pay to pay in an app?

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


Can additional cardholders add their card to Apple Pay?

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