On the morning of the launch of the highly anticipated Apple Pay, many potential users (16 million HSBC customers for a start!) were not very impressed with the news they woke up to.

HSBC was tipped to be one of the banks to support Apple Pay at launch, they even mistakenly tweeted on the eve of the surprise launch, that Apple Pay would be unveiled tomorrow. This led their customers to become excited about the idea and eager to use Apple Pay from day one; this turned out to not be the case.

Instead, only NatWest, RBS, Ulster Bank, Santander and Nationwide launched on day one with Apple Pay. HSBC revealed they wouldn’t be joining their competitors until the 28th July. Other major banks including Halifax, Lloyds and Bank of Scotland also revealed that they wouldn’t be signing up for the scheme until the Autumn, further frustrating users wanting to use Apple Pay now.

With so many banks not included in the launch of the almighty Apple Pay, many feel that it has been a flop in the UK. Adding to this, Mary Ann Miller, a financial crime specialist said in NICE Actimize that “Apple Pay has been made so easy to use that any fraudster can set up new iPhones with stolen personal info and then call the banks to provision the victim's card to the phone. This has already caused huge losses in the US, where many banks were not fully prepared.”

So perhaps waiting a couple of months to launch isn’t such a bad idea and is actually a smart move by the big boys of the banking world. Nevertheless, customers of the early adopters - NatWest, RBS, Ulster Bank, Santander and Nationwide can start enjoying Apple Pay in the following locations nationwide:

Apple Nando's
Bill's Post Office
Boots Pret A Manger
BP Spar
Costa Starbucks
KFC Subway
Le Pain Quotidien The Co-Op
Liberty TfL                         
M&S Wagamama
McDonald's Waitrose

With the following launching soon:



Costcutter JD Sports
Dune New Look
EAT ScrewFix
Five Guys Wilko

Blog by: Josh