Barclays Anticipating 'Imminent' Support for Apple Pay in United Kingdom - MacRumors
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 pay feature dynamic island

Banks and Credit Unions to Team Up Against Apple Pay Fees

Friday September 25, 2026 12:22 pm PDT by
An antitrust lawsuit accusing Apple of blocking tap-to-pay competition is moving forward and will see banks and credit unions able to band together to sue Apple. U.S. District Judge Jeffrey White this week certified a class in the lawsuit. It will include any U.S. entities that issued any payment card enabled for Apple Pay and paid Apple a fee for Apple Pay transactions on that payment card. ...
Apple Pay India

Apple Pay Now Available in India With Axis Bank Cards

Tuesday September 29, 2026 5:01 pm PDT by
Apple Pay is now available in India, which means customers with an eligible card can add it to the Wallet app on iPhone and Apple Watch for contactless and online payments. To use Apple Pay in India, users will need an Axis Bank credit card on the Visa or Mastercard network. Earlier today, TechCrunch reported that merchants and payment terminals will need to add Apple Pay support, so the...
Apple Store Wallpaper Basic Apple Guy

Apple Store in UK Reopening on iPhone Duo Launch Day

Friday October 2, 2026 7:17 am PDT by
Following more than three months of renovations, the Apple SouthGate store in Bath, England will be reopening on Friday, October 23, just in time for iPhone Duo launch day. Last year, Apple permanently closed its store in the heart of nearby Bristol, but Apple Cribbs Causeway remains open inside a shopping center on the outskirts of the city. In other UK store news, Apple Lakeside in Essex was ...

Top Rated Comments

AngerDanger Avatar
147 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
147 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)
147 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
147 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
147 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
147 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
Apple 'Welcome Home' Launch: Everything to Expect Tomorrow
Apple 'Welcome Home' Launch: Everything to Expect Tomorrow
8 hours ago
You Can Now Set Up Your iPhone Duo Pre-Order - Do It Before Friday
You Can Now Set Up Your iPhone Duo Pre-Order - Do It Before Friday
8 hours ago
Apple Plans Two-Day Event to Showcase Trio of New Macs and iPad Mini
Apple Plans Two-Day Event to Showcase Trio of New Macs and iPad Mini
9 hours ago
Apple and Pokémon Tease Special Pikachu-Themed Beats Pill Speaker
Apple and Pokémon Tease Special Pikachu-Themed Beats Pill Speaker
9 hours ago
Apple Announces 'Indie Games Week' on App Store
Apple Announces 'Indie Games Week' on App Store
10 hours ago
Amazon Discounting 2026 MacBook Pro by as Much as $600 This Week
Amazon Discounting 2026 MacBook Pro by as Much as $600 This Week
11 hours ago
Apple Watch Ultra 1 vs. Ultra 4 Buyer's Guide: Is It Worth Upgrading?
Apple Watch Ultra 1 vs. Ultra 4 Buyer's Guide: Is It Worth Upgrading?
11 hours ago
Apple Watch SE 3 Available From Just $199.99 on Amazon
Apple Watch SE 3 Available From Just $199.99 on Amazon
11 hours ago
Tim Cook Visits China for the Third Time in 2026
Tim Cook Visits China for the Third Time in 2026
11 hours ago
OLED iPad Mini Could Be $200 More Expensive Than Current Model
OLED iPad Mini Could Be $200 More Expensive Than Current Model
14 hours ago
Apple Launches Special Edition AirPods 5 in India
Apple Launches Special Edition AirPods 5 in India
15 hours ago
New Apple TV 4K and HomePod Mini 2 Pre-Orders Expected to Begin This Week
New Apple TV 4K and HomePod Mini 2 Pre-Orders Expected to Begin This Week
22 hours ago
New Apple TV 4K, HomeView, and HomePod Mini: 16 Details Just Leaked
New Apple TV 4K, HomeView, and HomePod Mini: 16 Details Just Leaked
1 day ago
New Entry-Level iPad Not Expected Until Early 2027
New Entry-Level iPad Not Expected Until Early 2027
1 day ago
Apple Plans Major iPhone Duo Retail Showcase, But Supply Will Be Limited
Apple Plans Major iPhone Duo Retail Showcase, But Supply Will Be Limited
1 day ago
Apple TV 4K Getting A19 Chip and a Potentially Easier-to-Find Siri Remote
Apple TV 4K Getting A19 Chip and a Potentially Easier-to-Find Siri Remote
1 day ago
New Mac Mini and Mac Studio Receive Up to $200 Price Cuts at Amazon
New Mac Mini and Mac Studio Receive Up to $200 Price Cuts at Amazon
1 day ago
Apple HomeView Smart Hub to Ship in Mid-November in Four Colors
Apple HomeView Smart Hub to Ship in Mid-November in Four Colors
1 day ago
New Apple TV 4K and HomePod Mini to Ship on October 30
New Apple TV 4K and HomePod Mini to Ship on October 30
1 day ago
AirPods Max 2 Available for $429 in All Colors on Amazon
AirPods Max 2 Available for $429 in All Colors on Amazon
1 day ago
Rumor: Apple to Announce New Partnership With ADT
Rumor: Apple to Announce New Partnership With ADT
2 days ago
AirPods 5 vs. AirPods 5 With Wireless Charging Case Buyer's Guide
AirPods 5 vs. AirPods 5 With Wireless Charging Case Buyer's Guide
2 days ago
Accessory Deals This Weekend: Save on TVs, Headphones, and Smart Home Gear
Accessory Deals This Weekend: Save on TVs, Headphones, and Smart Home Gear
2 days ago
Apple's All-New Home Hub Will Be Revealed October 13: What to Expect
Apple's All-New Home Hub Will Be Revealed October 13: What to Expect
2 days ago
Apple Announcing HomePod Mini 2 Next Week With These New Features
Apple Announcing HomePod Mini 2 Next Week With These New Features
2 days ago
A New Apple TV 4K is Finally Coming on Tuesday
A New Apple TV 4K is Finally Coming on Tuesday
2 days ago
Top Stories: Apple's 'Welcome Home' Launch on October 13 and More
Top Stories: Apple's 'Welcome Home' Launch on October 13 and More
3 days ago
Apple Stores Will Add Your Name to iPhone Duo's Startup Screen
Apple Stores Will Add Your Name to iPhone Duo's Startup Screen
3 days ago
SpaceX Inches Closer to Becoming a U.S. Carrier
SpaceX Inches Closer to Becoming a U.S. Carrier
3 days ago
Apple Potentially Behind 'HomeView' Trademark Filed Alongside 'homeOS' Last Year
Apple Potentially Behind 'HomeView' Trademark Filed Alongside 'homeOS' Last Year
3 days ago