{"type":"document","data":{"id":"46af6336-9f09-40d3-b26c-64257dce4c2e","localeString":"en-GB","publishDate":"2025-11-12T10:26:55.603+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Apple Pay brings a new dimension to mobile payments whether in-store, online or via apps"},"mainHeaderZone":{"componentType":"productHeader","coreHeader":{"body":"Apple Pay brings a new dimension to mobile payments whether in-store, online or via apps. \r\nSwitch to contactless with Apple Pay now - it's simple, fast and highly secure!","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/ee472cbd-3573-45dd-a411-9960a56ff1d6/apple-pay","type":"image","width":1920,"original":"https://assets.ing.com/m/b3d4876c89bad04/original/apple-pay.jpg","extension":"jpg"},"title":"Apple Pay","subtitle":"Pay fast and safe with your iPhone or Apple Watch by linking your ING debit card or credit card to Apple Pay today."},"backLink":{"textLink":{"url":"/en/individuals/daily-banking","text":"Daily Banking"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"About Apple Pay"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/5e5a44f8-a59c-4f30-aa7e-e69bea8814e5/Apple-Pay-visual-Debit-credit-card","type":"image","width":160,"original":"https://assets.ing.com/m/6c5d8ec6410040f1/original/Apple-Pay-visual-Debit-credit-card.svg","extension":"svg"},"highlighted":false,"items":[{"body":"No need for a PIN code when paying, you confirm your identity with Face ID (facial recognition) or Touch ID (fingerprint).","title":"Simple"},{"body":"Apple Pay uses a specific number linked to your device and a unique transaction code. Your debit card or credit card number is never stored on your device or on Apple's servers, nor is it shared with merchants.","title":"Secure"},{"body":"For in-store payments, most payment terminals¹ accept contactless payment so all you need to do is present your iPhone/Apple Watch. For online or in-app payments, simply choose the Apple Pay option1 from your iPhone/iPad. In addition, payments of more than 50 euros contactless are accepted!","title":"Convenient"}]},{"componentType":"sectionTitle","title":"Set up Apple pay (2 options)"},{"componentType":"accordion","accordionList":[{"title":"Activate Apple Pay via your ING Banking app","richBody":{"value":"<p>Log in &gt; Tap &apos;Services&apos; &gt; Choose &apos;Settings&apos; &gt; Tap &apos;Apple Pay&apos; &gt; Select your ING debit or credit card &gt; Follow the prompts to link your card.</p>"}},{"title":"Activate Apple Pay via Apple Wallet","richBody":{"value":"<ul><li><p>Open Apple Wallet &gt; Press + and follow the prompts to link your ING debit or credit card.</p></li><li>For your Apple Watch : first add your ING debit or credit card to your Apple Wallet. Select the debit or credit card you wish to use with your Apple Watch via the Apple Watch app.</li><li>For your iPad: set up is just like on an iPhone. Just make sure you have the ING Banking app installed on your iPad.  </li><li>For your Mac : go to &apos;System Preferences&apos;, click on &apos;Wallet and Apple Pay&apos; and follow the instructions. Here you are not redirected to the ING Banking app, and you must enter and confirm your debit or credit card details manually.</li></ul>"}}]},{"componentType":"sectionTitle","title":"Video"},{"componentType":"paragraph","richBody":{"value":"<p>Because a few pictures are better than a long speech - how to link your card(s)</p>"},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/7ee094021ddcc814/original/Apple_Pay_video-how-to-link.mp4","videoPreviewURLs":["https://ing-public.bynder.com/asset/f3a7932c-dd68-49f2-93d7-fbf99e0324fc/480p/Apple_Pay_video-how-to-link.mp4","https://ing-public.bynder.com/asset/f3a7932c-dd68-49f2-93d7-fbf99e0324fc/1080p/Apple_Pay_video-how-to-link.mp4","https://ing-public.bynder.com/asset/f3a7932c-dd68-49f2-93d7-fbf99e0324fc/mp4/Apple_Pay_video-how-to-link.mp4","https://ing-public.bynder.com/asset/f3a7932c-dd68-49f2-93d7-fbf99e0324fc/720p/Apple_Pay_video-how-to-link.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/7ee094021ddcc814/mini-Apple_Pay_video-how-to-link.jpg","webimage":"https://assets.ing.com/m/7ee094021ddcc814/webimage-Apple_Pay_video-how-to-link.jpg","thul":"https://assets.ing.com/m/7ee094021ddcc814/thul-Apple_Pay_video-how-to-link.jpg"},"extension":["mp4"]}},{"componentType":"paragraph","richBody":{"value":"<p>How to pay with your mobile</p>"},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/369919deb3541475/original/Apple_Pay_video-how-to-pay.mp4","videoPreviewURLs":["https://ing-public.bynder.com/asset/de4ebd0c-63c6-4ecb-ac5b-d7844c9e7d54/mp4/Apple_Pay_video-how-to-pay.mp4","https://ing-public.bynder.com/asset/de4ebd0c-63c6-4ecb-ac5b-d7844c9e7d54/720p/Apple_Pay_video-how-to-pay.mp4","https://ing-public.bynder.com/asset/de4ebd0c-63c6-4ecb-ac5b-d7844c9e7d54/480p/Apple_Pay_video-how-to-pay.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/369919deb3541475/mini-Apple_Pay_video-how-to-pay.jpg","webimage":"https://assets.ing.com/m/369919deb3541475/webimage-Apple_Pay_video-how-to-pay.jpg","thul":"https://assets.ing.com/m/369919deb3541475/thul-Apple_Pay_video-how-to-pay.jpg"},"extension":["mp4"]}},{"componentType":"sectionTitle","title":"FAQ"},{"componentType":"accordion","accordionList":[{"title":"Are there fees when using Apple Pay?","richBody":{"value":"<p>Not at all! Apple Pay is completely free. </p>"}},{"title":"Who can use Apple Pay?","richBody":{"value":"<p>Anyone,</p><p>- with an iPhone, Apple Watch, iPad or Mac</p><p>- as of 13 years old</p><p>- with an ING current account to which a debit or credit card is linked </p><p>- who has installed the ING Banking app</p>"}},{"title":"What devices can you use with Apple Pay?","richBody":{"value":"<p>Use Apple Pay with any device (iPhone, iPad, Apple Watch and Mac) listed on the <a href=\"https://support.apple.com/en-us/HT208531\">Apple Support page</a>. </p>"}},{"title":"What operating system do you need to use Apple Pay?","richBody":{"value":"<p>Check the Apple Support page to see which operating system your iPhone, Apple Watch, iPad or Mac is running on and update it if necessary and possible. </p><p><a href=\"https://support.apple.com/en-us/HT204506\">https://support.apple.com/en-us/HT204506</a></p>"}},{"title":"How do you activate Apple Pay?","richBody":{"value":"<p>The easiest way to do this is with the ING Banking app. See above explanation.</p>"}},{"title":"How do you activate Apple Pay on your iPhone?","richBody":{"value":"<ul><li>Go to &apos;Wallet and Apple Pay&apos; via &apos;Settings&apos; on your iPhone</li><li>Select &apos;Add card’</li><li>Tap &apos;Continue&apos; and choose &apos;ING&apos; as the bank in the list</li><li>You will be automatically redirected to the ING Banking app</li><li>Follow the instructions to link your card.</li></ul>"}},{"title":"How do you activate Apple Pay on your Apple Watch?","richBody":{"value":"<p>Select the debit or credit card you wish to use with your Apple Watch via the Apple Watch app.</p>"}},{"title":"How do you activate Apple Pay on your iPad?","richBody":{"value":"<p>Just like on an iPhone. Just make sure you have the ING Banking app installed on your iPad.  </p>"}},{"title":"How do you activate Apple Pay on your Mac computer?","richBody":{"value":"<p>Go to &apos;System Preferences&apos;, click on &apos;Wallet and Apple Pay&apos; and follow the instructions. Here you are not redirected to the ING Banking app, and you must enter and confirm your debit or credit card details manually.</p>"}},{"title":"Can you use Apple Pay with a business account?","richBody":{"value":"<p>Yes, you can use Apple Pay with a debit or credit card linked to a business account.</p>"}},{"title":"Can you activate Apple Pay with a non-Apple device?","richBody":{"value":"<p>No, Apple Pay can only be used with an iPhone, iPad, Apple Watch and Mac.</p>"}},{"title":"What cards can you add to your Wallet and Apple Pay?","richBody":{"value":"<p>Any ING debit or credit card linked to an ING current account. </p>"}},{"title":"How many cards can you add to your Wallet and Apple Pay?","richBody":{"value":"<p>The newest devices accept up to 12 different cards in the Apple Wallet app. Older models only have room for 8.</p><p>Find out more on the <a href=\"https://support.apple.com/en-us/HT204506\">Apple Support website</a>.</p>"}},{"title":"How do you change your default card?","richBody":{"value":"<p>Go to &apos;Transaction preferences&apos; and choose the option to change your default debit or credit card.</p>"}},{"title":"How do you remove a card from my Apple Wallet?","richBody":{"value":"<p>Go to &apos;Wallet&apos; on your device and tap the card you want to delete</p><ul><li>Tap the blue circle with three white dots in the upper right corner</li><li>Select &apos;Delete this card&apos; at the bottom</li><li>Your card is now permanently deleted    </li><li>The transactions made with this debit card are no longer visible in the Apple Wallet app</li></ul><p><strong>Please note!</strong> You cannot remove your ING debit or credit card through the ING Banking app, this is only possible in the Apple Wallet app itself.  </p>"}},{"title":"How do you remove a card from your Apple Watch?","richBody":{"value":"<p>Remove your ING debit or credit card from your Apple Watch. Open the Wallet app, tap the card you want to remove. Scroll down and tap &apos;Remove&apos;.</p>"}},{"title":"Can you use Apple Pay on multiple devices at the same time?","richBody":{"value":"<p>Feel free to use Apple Pay on multiple devices at once. However, you will need to add the debit or credit cards to the Apple Wallet app again on each separate device.</p>"}},{"title":"How do you continue to use Apple Pay on a new Apple device?","richBody":{"value":"<p>You just need to re-add your debit or credit card(s) to the Apple Wallet app on that device.</p>"}},{"title":"Can you use Apple Pay abroad?","richBody":{"value":"<p>Yes, feel free to pay with Apple Pay at any merchant outside Belgium that accepts Maestro/Visa/Mastercard and displays the Apple Pay logo and the contactless payment symbol.</p>"}},{"title":"Where can you pay with Apple Pay?","richBody":{"value":"<p>Via Safari browser in online shops working with Apple Pay and Maestro/Visa/Mastercard.</p>"}},{"title":"How do you pay with your iPhone in a shop?","richBody":{"value":"<p><strong>With Face ID</strong></p><ul><li>Double-tap the button on the side of your iPhone and look at the screen to identify yourself</li><li>Hold the top of your phone a few centimeters from the payment terminal</li><li>Do you see &apos;Done&apos; and a tick on the screen? Then you have paid!</li></ul><p><strong>With Touch ID (fingerprint)</strong></p><ul><li>Hold your iPhone a few centimeters from the payment machine</li><li>Press your finger on the home button on your iPhone to identify yourself</li><li>Do you see &apos;Done&apos; and a tick on the screen? Then you have paid!</li></ul><p><strong>*On older model iPhones (with home button at bottom of screen)</strong></p><ul><li>Double click the home button at the bottom of your screen</li><li>Hold your iPhone a few centimeters from the payment machine</li><li>Press your finger on the home button on your iPhone or put your</li><li>iPhone password to identify yourself</li><li>Do you see &apos;Done&apos; and a tick on the screen? Then you have paid!</li></ul>"}},{"title":"How do you pay with your iPhone online or in an app?","richBody":{"value":"<ul><li>Check if the website or app accepts Maestro</li><li>Choose &apos;Apple Pay&apos; as your payment method</li><li>Confirm the payment with Face ID or Touch ID</li></ul>"}},{"title":"How do you pay with your Apple Watch in a shop?","richBody":{"value":"<ul><li>Double tap on the button on the side of your Apple Watch</li><li>Hold the screen of your Apple Watch a few centimeters away from the payment terminal (make sure you wear your Apple Watch on your wrist)</li><li>Wait until you feel a tap... and you have paid.</li><li>Do you see &apos;Done&apos; and a tick on the screen? Then you have paid!</li></ul>"}},{"title":"How do you pay with your Apple Watch online or in an app?","richBody":{"value":"<ul><li>Check if the website (use Safari as browser) or app accepts Maestro/Visa/Mastercard</li><li>Choose Apple Pay for your payment</li><li>Double tap the button on the side of your Apple Watch</li><li>Wait until you feel a tap and you have paid.</li></ul>"}},{"title":"Do you need an internet connection to pay with Apple Pay?","richBody":{"value":"<p>You only need an internet connection to add a new card to the Apple Wallet app.</p>"}},{"title":"Is a PIN required to pay with Apple Pay?","richBody":{"value":"<p>No. If fingerprint or face recognition is not set up on your iPhone, you can still approve the payment with your iPhone&apos;s unlock code.</p>"}},{"title":"Can you pay with a card other than your default debit or credit card?","richBody":{"value":"<p><strong>iPhone</strong></p><ul><li>Hold your iPhone next to the payment terminal</li><li>Do not confirm your payment, but tap the other card you want to use at the bottom of your screen.</li><li>This card will slide up, then click on it.</li><li>Confirm the payment with Touch ID or Face ID</li></ul>"}},{"title":"What if paying contactless is disabled on your debit or credit card?","richBody":{"value":"<p>You can still use Apple pay even though contactless payments are disabled on your debit or credit card.</p>"}},{"title":"Where can you find your Apple Pay transactions?","richBody":{"value":"<p>In your ING Banking app or in Home&apos;Bank on your computer, you can find all the transactions on your account statements and in the transactions on your account.</p>"}},{"title":"Why is your Apple Pay payment declined?","richBody":{"value":"<ul><li>You have insufficient funds in your account</li></ul><p>or</p><ul><li>The daily limit of your debit card has been reached</li></ul><p>or</p><ul><li>The maximum limit of your credit card has been reached</li></ul><p>or</p><ul><li>The debit or credit card linked to the Apple Wallet has been blocked</li></ul>"}},{"title":"Can you, as a merchant, get paid with Apple Pay?","richBody":{"value":"<p>Yes, you can, if your payment terminal accepts contactless Maestro/Visa/Mastercard payments.</p>"}},{"title":"What is the limit for payments with Apple Pay?","richBody":{"value":"<p>The limits are the same as those on your debit or credit card.</p><p>Please note that we will add Apple Pay payments to any other payments you make with your card. </p><p>See for more information on your debit card limits via this <a href=\"https://www.ing.be/en/retail/daily-banking/current-accounts/limits\">link</a>.</p>"}},{"title":"Can a shop refund you via Apple Pay?","richBody":{"value":"<p>This is possible, provided the merchant has a suitable payment terminal that accepts contactless payments and Maestro/Visa/Mastercard.</p>"}},{"title":"What if your card connected to Apple Pay is stolen or lost?","richBody":{"value":"<ul><li>Is the option “Find my iPhone” activated on your device?</li></ul><p>Connect to your iCloud to find your device and set it to “lost”, desactivate temporarirly Apple Pay or delete all data on your iPhone or your Apple Watch.</p><ul><li>Is the option “Find my iPhone” not activated on your device?</li></ul><p>Then call Card Stop immediately on + 32 78 170 170 to only block the cards connected to your Apple Wallet. You can still use your normal debit or credit card.</p>"}},{"title":"Is paying with Apple Pay safe?","richBody":{"value":"<p>Absolutely: security is always paramount at ING.</p><p>You can never pay without a fingerprint, facial recognition or the unlock code of your iPhone.</p>"}},{"title":"What technology is used to make secure payments?","richBody":{"value":"<p>NFC (Near Field Communication) technology ensures the secure exchange of data. NFC only works within a radius of about 5 centimeters. You have to hold your device close to the terminal to exchange data. In addition, you always have to confirm your payment with fingerprint, facial recognition or unlock code.</p>"}}]},{"componentType":"sectionTitle","title":"Services and contacts"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"Lost or stolen card?","intro":"Here's how to block it","image":{"transformBaseUrl":"https://assets.ing.com/transform/ea1dd6ed-9470-49c5-a4ae-e451558bf454/card-stop","type":"image","width":722,"original":"https://assets.ing.com/m/3f1397931a9eaf4/original/card-stop.svg","extension":"svg"},"link":{"url":"/en/individuals/daily-banking/block-lost-stolen-card"}}]},{"componentType":"paragraph","richBody":{"value":"<ul><li> <a data-type=\"internal\" href=\"/en/individuals/services\">More services and how to contact us</a></li></ul>"}}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"ING debit card","intro":"The debit card with Bancontact and Maestro/Mastercard.","image":{"transformBaseUrl":"https://assets.ing.com/transform/e20f7f9d-0e46-4f0b-8f19-8b0a35e8f107/bank-cards-767","type":"image","width":767,"original":"https://assets.ing.com/asset/e20f7f9d-0e46-4f0b-8f19-8b0a35e8f107/bank-cards-767.jpg","extension":"jpg"},"link":{"url":"/en/individuals/daily-banking/debit-card"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Lost or stolen card?","intro":"Block your card online.","image":{"transformBaseUrl":"https://assets.ing.com/transform/844ea206-27da-49eb-aaee-86d6b1a75132/block-lost-stolen-card-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/4cb8f9e23c2dac7e/original/block-lost-stolen-card-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/daily-banking/block-lost-stolen-card"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"How can you use your ING debit card outside Europe?","intro":"Your debit card is by default worldwide activated!","image":{"transformBaseUrl":"https://assets.ing.com/transform/8c5a761c-6693-4255-95de-abc9f51d2413/maestro-abroad-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/65df36592d24b119/original/maestro-abroad-1920.jpg","extension":"jpg"},"link":{"url":"/en/individuals/my-life/leisure-and-travel/pay-with-maestro-abroad"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal Mentions"},{"componentType":"paragraph","richBody":{"value":"<p><strong>Apple Pay is a payment application offered by Apple Inc.</strong>, located at  One Infinite Loop Cupertino, CA 95014, United States, that allows you to initiate card transactions. The general terms and conditions set by Apple apply to this service.</p><p>ING Belgium customers who are over 16 years old, have active ING debit cards and a compatible Apple device, can link their card free of charge. ING&apos;s ApplePay Regulations and the applicable terms and conditions of the linked card are available on ing.be, at your ING branch and by telephone on  <a href=\"tel:0032 2 464 60 04\">+32 2 464 60 04</a>.</p>"}},{"componentType":"paragraph","richBody":{"value":"<p><strong>The Home&apos;Bank, Business&apos;Bank Services and ING Banking app</strong> are available to all Home&apos;Bank, Business&apos;Bank, ING Banking subscription holders (subject to acceptance by ING and mutual agreement).</p><p>The call charges and, if applicable, the charges for the use of data to access and to use the call via the ING Banking app shall be borne by the user.</p><p>All relevant information, such as the Home&apos;Bank, Business&apos;Bank Conditions, (annexed to ING’s General Regulations), the ING Banking Terms and Conditions, transaction fees, is available on <a data-type=\"internal\" href=\"/en/individuals\">www.ing.be</a>, at your ING branch and by telephone on <a href=\"tel:0032 2 464 60 04.\">+32 2 464 60 04</a>.</p>"}}]}}}