Barclays Anticipating 'Imminent' Support for Apple Pay in United Kingdom - MacRumorsOpen MenuShow RoundupsShow Forums menuVisit ForumsOpen Sidebar
Skip to Content

Barclays Anticipating 'Imminent' Support for Apple Pay in United Kingdom

MacRumors has learned that a high-level executive at Barclays, one of the largest banks in the United Kingdom, anticipates "imminent" support of Apple Pay in the country. Apple Pay in the U.K. is expected to go live on Tuesday, although it remains unclear if Barclays will be a first wave launch partner because of its delayed negotiations with Apple about the mobile payments service.

Barclays Apple Pay UK
Apple confirmed at WWDC last month that Apple Pay will be available in the U.K. in July, but stopped short of providing a specific launch date. Recently released employee training documents have suggested the launch could come next week, on July 14, and some Santander customers were able to add their cards to Passbook for use with Apple Pay and make purchases ahead of that date.

Barclays was notably absent from Apple's list of banks that will support Apple Pay in the U.K. at launch or soon after, which presently includes HSBC, Lloyds Bank, Bank of Scotland, Royal Bank of Scotland, First Direct, Halifax, M&S Bank, MBNA, NatWest, Nationwide, Santander, TSB and Ulster Bank. The bank's subsidiary Barclaycard has offered an Apple Rewards Visa Card for several years.

Barclaycard recently expanded its "bPay" lineup of wearable solutions for contactless payments to include a wristband, key fob and sticker, leading to speculation that Barclays may be electing to use its own mobile payments services as opposed to Apple Pay, similar to how some retailers maintained exclusivity to the CurrentC platform last year. Today's confirmation, however, indicates otherwise.

Related Roundup: Apple Pay

Popular Stories

Apple Store Logo

Apple Store in UK Permanently Closing Later This Month

Tuesday November 3, 2026 7:34 am PST by
Apple today announced that its Festival Place store in Basingstoke, England will be permanently closing on Saturday, November 21. Apple Festival Place Apple had already announced that the store would be closing in November, but it had not provided the public with a specific date until now. Apple's store inside the Festival Place shopping center opened in 2011, so it had a 15-year run....
Apple Store Wallpaper Basic Apple Guy

Apple Store in UK Reopens With New Design on iPhone Duo Launch Day

Friday October 23, 2026 12:10 pm PDT by
Following more than three months of renovations, the Apple SouthGate store in Bath, England reopened today, just in time for iPhone Duo launch day. The store has received an updated design with a dedicated Apple Pickup area, a more accessible Genius Bar with varied table and seat heights, and other...
apple pay feature dynamic island

UK Proposes New Ways to Help Apple Pay Rivals

Tuesday October 20, 2026 9:57 pm PDT by
The UK's competition regulator has proposed changes to make it easier and cheaper for companies to offer alternatives to Apple Pay on the iPhone (via Reuters). The Competition and Markets Authority (CMA) says Apple's fees and restrictions make it too difficult for rivals to launch contactless payment apps. Its proposals would give developers more ways to access the iPhone's NFC technology,...

Top Rated Comments

AngerDanger Avatar
148 months ago
I can't stop staring at the Barclays ligature ('https://en.wikipedia.org/wiki/Typographic_ligature'). It's… perplexing.



Attachment Image
Score: 7 Votes (Like | Disagree)
kdarling Avatar
148 months ago
...snip...
Hi. What Swiss-G said is correct. The merchant's bank is irrelevant. All that is needed is that YOUR Credit Card's issuing bank has made a deal with Apple and has the ability to detokenize the DAN (Device Account Number) into your PAN (Primary Account Number) which is the one on your real card.

Here, I've made a crude drawing. The red parts must match. You register your card number (PAN) into Apple Pay, and Apple contacts your card's Issuer Processor service to provision a matching token (DAN) into your device to use for payments. (left side of chart)



Thereafter, when you tap to pay, your device sends the DAN token and the OD-CVM (On Device Cardholder Verification Method) flag via NFC comms to the Merchant's Terminal.

If the terminal is updated, it can recognize the OD-CVM flag and bypass the usual contactless PIN / signature limits. Note that this standardized flag can be used by any payment method, not just Apple Pay. If the terminal is not updated, then the limits still apply.

If under (or no) PIN limit, the Merchant Terminal dumbly sends the DAN (it doesn't know it's a token because it looks just like a real account number) upstream via the Merchant's Acquirer service, through the Credit Card Brand (Master /Visa /Amex) to the Issuer Bank's Processor, where it is translated into the real number (PAN) for card Issuer Bank approval. (Alternatively, this translation can be done at the branding level.)

The approval then runs the reverse course back down to the merchant terminal and your device.

At the end of each day, the Merchant Acquirer service totals up sales - refunds, and requests each card Issuer Bank to deposit that much money (minus the Acquirer's and Brand's fees) into the Merchant's Bank, which can be any bank. The Credit Card Brand (Master /Visa /Amex) is responsible for sending a cut of the fees that normally go to the bank, to Apple.

Attachment Image
Score: 6 Votes (Like | Disagree)
148 months ago
I filled an official complaint form in about their lack of support for apple pay, I had a phone call within 2 hours from Barclays explaining the situation. I laughed at how much abuse they were getting on Twitter not supporting it. I'm guessing the amount of complaints / comments being made has made them change their mind. I'm giving them until Christmas to support it or I'm off to somebody else .
Christmas ? I'm giving them until the end of next week to make a statement

If they remain silent, I'll move all my accounts to another bank
Score: 6 Votes (Like | Disagree)
Billberryjuice Avatar
148 months ago
So how does apple pay actually work?
Here you go. ('http://******.com/?q=so+how+does+apple+pay+actually+work')
Score: 4 Votes (Like | Disagree)
pjh Avatar
148 months ago
So why are Apple having to get retailers to opt-in to Apple Pay, if that's the case? This was my original understanding of how Apple Pay would work (anywhere where contactless payments was accepted) but then I heard this was something that retailers specifically had to accept and that some would be blocking it?
They don't need to, it's all marketing. Any retailer that has rolled out contactless terminals can take apple pay, but to highlight the service Apple have selected so called partners to help advertise the service. If they didn't it would just be another payment service amongst the crowd for most people. Remember, most people are not clued up on the security benefits and are sceptical about new payment systems. By highlighting big companies that have rolled out contactless to all their terminals Apple is hijacking the contactless roll-out success and associating it with Apple Pay. This will hopefully create some adoption impetus outside of natural (us lot) early adopters.
Score: 3 Votes (Like | Disagree)
Azzin Avatar
148 months ago
I'd been with Barclays for about 20 years. Switched my account to First Direct when I heard they weren't going to support Apple pay at launch.
Got £100 from First Direct too, better than forking out £25 for a bpay bracelet...
Got to say I miss Barclays online banking though, they did it very well. Their iOS banking apps were also very good.
May consider switching back if they support Apple Pay.
Come on Barclays! Sort it out and win back your customers!
Now you're with First Direct, you will begin to realise quite how **** all the other companies you deal with are, when it comes to customer service.

I've been with FD since the day they launched and would never ever consider switching to another back.
Score: 3 Votes (Like | Disagree)
Latest Stories
Siri AI Rumored to Become 'More Like an Agent' as Early as Next Year
Siri AI Rumored to Become 'More Like an Agent' as Early as Next Year
5 hours ago
Apple Taking New Approach to Developing iOS 28 and macOS 28
Apple Taking New Approach to Developing iOS 28 and macOS 28
7 hours ago
Early Apple Black Friday Deals on Apple Watch, MacBook Air, and More
Early Apple Black Friday Deals on Apple Watch, MacBook Air, and More
1 day ago
'Backglow' Lets You Customize New MacBook Pro's Glowing Apple Logo
'Backglow' Lets You Customize New MacBook Pro's Glowing Apple Logo
1 day ago
Top Stories: Apple Product Launches, iOS 27.3 Beta, and More
Top Stories: Apple Product Launches, iOS 27.3 Beta, and More
1 day ago
More Fun iPhone Duo Apps: 30 New Picks to Try
More Fun iPhone Duo Apps: 30 New Picks to Try
2 days ago
Hands-On With Apple's New OLED Touchscreen MacBook Pro
Hands-On With Apple's New OLED Touchscreen MacBook Pro
2 days ago
Apple Store With All-New Design Opening Soon in Southern California
Apple Store With All-New Design Opening Soon in Southern California
2 days ago
Control the Glowing Apple Logo on Your New MacBook Pro
Control the Glowing Apple Logo on Your New MacBook Pro
2 days ago
Apple Shares New 'Apple Card: Apply and Use in Minutes' Ad
Apple Shares New 'Apple Card: Apply and Use in Minutes' Ad
2 days ago
Apple Says More Than 100,000 Apps Optimized for iPhone Duo, Here's What's Still Missing
Apple Says More Than 100,000 Apps Optimized for iPhone Duo, Here's What's Still Missing
2 days ago
Early Black Friday Deals Kickoff With Steep Discounts on Apple Watch Ultras and More
Early Black Friday Deals Kickoff With Steep Discounts on Apple Watch Ultras and More
2 days ago
The MacRumors Show: iOS 27.3 Looks Like a Huge Update
The MacRumors Show: iOS 27.3 Looks Like a Huge Update
2 days ago
Best Buy's Black Friday Event Begins With Sitewide Savings on Apple, TVs, More
Best Buy's Black Friday Event Begins With Sitewide Savings on Apple, TVs, More
2 days ago
Apple Releasing Yet Another Two New Products Next Week
Apple Releasing Yet Another Two New Products Next Week
2 days ago
MacBook Air Drops to Lowest Price in Months With Amazon's $250 Discount
MacBook Air Drops to Lowest Price in Months With Amazon's $250 Discount
2 days ago
Apple Rumored to Drop the iPhone's Action Button Next Year
Apple Rumored to Drop the iPhone's Action Button Next Year
2 days ago
Apple's Extended Return Policy Now in Effect for 2026 Holiday Season
Apple's Extended Return Policy Now in Effect for 2026 Holiday Season
2 days ago
Apple Music Classical Updated With New Icon and Refreshed Design
Apple Music Classical Updated With New Icon and Refreshed Design
2 days ago
OLED iPad Mini, M6 iMac, and New MacBook Pros Available From Today
OLED iPad Mini, M6 iMac, and New MacBook Pros Available From Today
3 days ago
Apple Surveys iPhone Duo Buyers About Crease and Camera
Apple Surveys iPhone Duo Buyers About Crease and Camera
3 days ago
Apple's First Touchscreen Mac is Now Arriving to Customers
Apple's First Touchscreen Mac is Now Arriving to Customers
3 days ago
Claude Gets Personal Finance Feature With Bank Account Linking
Claude Gets Personal Finance Feature With Bank Account Linking
3 days ago
Apple Arcade Adds Crossy Road Rush and NBA 2K27
Apple Arcade Adds Crossy Road Rush and NBA 2K27
3 days ago
Apple's New HomeView Smart Home Hub: Here's How Much RAM It Has
Apple's New HomeView Smart Home Hub: Here's How Much RAM It Has
3 days ago
iPad Mini vs. iPad Air Buyer's Guide: Now Just $50 Apart
iPad Mini vs. iPad Air Buyer's Guide: Now Just $50 Apart
3 days ago
First iOS 27.3 and macOS Golden Gate 27.3 Public Betas Now Available
First iOS 27.3 and macOS Golden Gate 27.3 Public Betas Now Available
3 days ago
Apple Announces a New Mac Sales Record
Apple Announces a New Mac Sales Record
3 days ago
Paid $200 for Logic Pro? Apple Says You Won't Get This New Feature
Paid $200 for Logic Pro? Apple Says You Won't Get This New Feature
3 days ago
Instagram's Edits Video Editor is Now Available on Mac
Instagram's Edits Video Editor is Now Available on Mac
3 days ago