Apple Pay: frequently asked questions

Apple Pay replaces your physical cards and cash with a fast, easy and secure way to pay. Just add your credit or debit card to your Apple Wallet on your Apple device and that's it - you're ready to go.

You'll still get all your card's rewards and benefits. So you won't miss out on any hard-earned points or rewards.

There's no charge from HSBC or Apple for using Apple Pay. Your network provider may charge you for data usage, depending on your data plan.

To use Apple Pay, you will need:

You don't need an internet connection to use Apple Pay when making purchases in-store.

You will, however, need an internet connection to make in-app or online purchases with Apple Pay. And you'll also need to be connected when you add your card to the Wallet app.

You can use any of our debit or credit cards with Apple Pay.

Adding your HSBC debit or credit to Apple Pay is easy. But if you have any problems, call our customer support team or the number on the back of your card and we'll be happy to help.

On an iPhone:

On an Apple Watch:

On an iPad:

If your card's coming up to its expiry date, we'll send you a replacement card before it expires. Your card details will then be automatically updated in Apple Pay.

If the expiry date on your card has already passed but you haven't received a new card yet, call our customer support team or the number on the back of your card and we'll get one sorted for you.

Yes. You can add your card to Apple Pay on several different devices, but you'll need to add it to each one separately.

When you switch up to a new device, you'll need to add your cards to Apple Pay again.

It's also important to remember to remove your cards from Apple Pay before getting rid of your old device, whether you're selling, exchanging or recycling it.

To remove a card:

Alternatively, go to 'Settings', then 'Wallet & Apple Pay'. Select the card you want to remove, then select 'Remove card'.

Forgot to remove your HSBC card from your old device? Call our customer support team or the number on the back of your card and we'll help sort it for you.

As the account holder, you’re responsible for all transactions made using your digital wallet and/or through Apple Pay. This means that if any unauthorised transactions are made, you’ll need to cover any resulting losses.

Apple Pay is a very secure way to make transactions. Your card numbers aren't stored on your device or on Apple's servers, and they're never shared by Apple when you make a payment. When you make a purchase, Apple Pay uses a number that's specific to your device, plus a specially generated security code, to process the payment.

Just remember: you're responsible for all transactions made using Apple pay, so it’s important to keep your card protected by securing your device with Touch ID, Face ID and/or a passcode that nobody else could guess easily.

When you use Apple Pay, some card-related information, location information and information about your device settings and use patterns may be sent to Apple. Some of this information may also be sent to us to determine eligibility or for anti-fraud purposes.

When you use Apple Pay in apps and on the web, some information needed to process the payment is shared with the app or website. Your actual card number isn't shared, though.

Apple may also use some data that can't be tied to you to improve Apple Pay and their other products and services.

For more information, visit Apple's website.

You need a screen lock set up on your phone before you can tap to pay with Apple Pay - which helps keep your payment details protected.

If your iPhone, iPad or Apple Watch is lost or stolen, you can go to icloud.com or use the Find My app to suspend or permanently remove your card(s) from your device.

And if you know or suspect your device or HSBC card has been lost, stolen or compromised in any way, you must tell us straight away by calling our customer support team or the number on the back of your card.

When you add your HSBC card to Apple Pay, we may send you a one-time code by email or text message for verification and activation purposes.

This code will expire 3 minutes after it's sent. If the code expires before you've used it, you'll need to restart the process of adding your card.

If we don't have an up-to-date email address or mobile number for you, we won't be able to send you a code. You can update your contact details via online banking or by visiting one of our branches. Or you can call our customer support team or the number on the back of your card.