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Apple Pay Terms and Conditions

1.1 Registration
It is important that you read these terms and conditions carefully.  These terms are in addition to the usual terms that govern your bank account with Metro Bank and in the event of a conflict between them, your bank account terms shall prevail.  Having reviewed these terms and conditions, if you would like to activate and proceed to use Apple Pay, please scroll to the bottom and press the ‘Accept’ button.

1.2 What is Apple Pay?
Apple Pay is a quick and easy way for you to make purchases in person or online using a mobile phone, watch or any other kind of device that is compatible.  Apple Pay is a third party payment system, created and managed by Apple.  It works by creating a virtual representation of your Metro Bank card on your device, such that you can then use that device to make contactless payments to contactless-enabled terminals, or to online merchants that participate in the Apple Pay scheme.

1.3 How to use Apple Pay
For information on how to use Apple Pay, please see our website guide; ‘How to Use Apple Pay’ and our FAQs at  The comprehensive guide is here:

1.4 Security
When you register your Metro Credit or Debit card with Apple Pay, it is important that you keep your device secure. It is important that you set a device passcode that is different from any details you use to operate your Metro Bank account online as this will help to ensure your device remains secure. 

We advise that you don’t let anyone else use Apple Pay on your device. If you share your Apple device with someone else or allow them to use Touch ID or your passcode, you will be responsible for any payments they may make from your device. If you believe that somebody else knows any security information that you use for Apple Pay or your device, you should change that information immediately.

1.4.1 If you lose your iPhone, iPad or Apple Watch.
If your iPhone or iPad is ever lost or stolen, you can use Find My iPhone to quickly put your device in Lost Mode to suspend Apple Pay, or you can wipe your device clean completely. You can also stop the ability to make payments from credit and debit cards on your iPhone, iPad or Apple Watch with iCloud. Just log in to and click Settings. You can learn more about Find My iPhone here:

If you don’t have the Find My iPhone app, please call Metro Bank on (0345) 4503255 and mention that you’re an Apple Pay customer so that we can disable your card for use with Apple Pay. If you obtain a new Apple device(s), please ensure that you erase all data from the old device to protect your Apple Pay and personal information.

1.5 Your personal information and data protection

1.5.1 How Apple Pay will use your information 
In order to allow you to use your Metro Bank credit or debit card, your personal data will be processed in accordance with the privacy terms and conditions you agreed to when entering into your relationship with us. When you pay for goods and services in shops using Apple Pay, neither Apple nor your Apple device sends your actual credit or debit card numbers to merchants. When you pay for apps on your Apple device via Apple Pay, the merchant will only receive information you have provided and authorised to share in order to fulfil your order. Such information includes your name, email and postal address.

Apple Pay retains anonymous transaction information, such as approximate purchase amount. This information can’t be traced back to you and never includes details of your purchase. Apple uses this information to develop and improve its technology further and for fraud prevention purposes.

1.5.2 Information we collect from Apple Pay
We will collect information about you from Apple for verification purposes and to prevent and to detect fraud. We will also collect details of your recent Apple Pay transactions, which will appear on your monthly statements.

1.5.3 Communication
We will only communicate with you about your account with us or any changes you need to be aware of via the telephone number, email address or postal address with which you provide us. Apple Pay also has an independent messaging capability, from which you may receive messages.  

1.5.4 Keeping us informed
It is important that you keep your contact details up to date so that we can contact you about your account if needed. 

1.5.5 Sharing your information with third parties
We will not share your information with any third party not already mentioned within this agreement or outside of the terms and conditions you accepted when starting your relationship with us.

1.5.6 Push Notifications
From time to time, you may receive notifications from us regarding your transactional activities. These notifications can be switched off by changing the settings on your Apple device. For more information about the way in which your privacy is managed, please email the Data Protection Officer at: or write to: Data Protection Officer, Metro Bank plc One Southampton Row, London, WC1B 5HA,

1.6 Our responsibility
Apple Pay is a third party service, which we offer to Customers to improve their banking experience. We are not liable for your use of Apple Pay or for any third party software or hardware provided to you by Apple or a third party, including, but not limited to, failures of that service, performance, and availability or security issues. Whilst we are happy to help you if we can, we do not provide support for Apple Pay, any device on which you may use this service or any other third party services connected to Apple Pay. If you have any questions please contact Apple Inc. You should be aware that, in using Apple Pay, you are agreeing to Apple’s prevailing terms and conditions.  We encourage you to read those and consider them fully before using Apple Pay. In using Apple Pay, you may also be subject to terms and conditions with other third parties.  We encourage you to consider what other terms and conditions you may be subject to. We are not responsible for any agreements entered into by you in your use of Apple Pay.

1.7 Fees
We do not charge a fee for you using Apple Pay.  Whilst we do not charge a fee, you should be aware that third parties, for example Apple and your mobile phone provider, may charge you a fee for using the service.

1.8 Changes
We reserve the right to amend these terms and conditions at any time.  If we do so, we will provide you with reasonable notice of those changes. We reserve the right to end the use of Apple Pay with Metro Bank cards and accounts at any time. If we do so, we will provide you with reasonable notice of that cancellation. Apple and other third parties may change their terms and conditions with you. This is outside of our control and you should approach Apple or those respective third parties in the event that a change occurs.

‘Apple Pay’ and any iteration used in this document referring in any way to ‘Apple’ are trademarks of Apple Inc.