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Need more help with Apple Pay?

We have your Apple Pay questions answered.

Along with your device, you'll need a Newcastle Permanent Visa Debit or Visa Value+ credit card. Our team can help you apply for an eligible product if you don't already have one.

For a full list of compatible devices, visit

We recommend using the latest version of iOS. For more information, visit

Apple uses security features built-in to the hardware and software of your Apple devices to help protect your transactions. When you make a purchase, Apple Pay uses a Device Account Number and a unique transaction code. Each transaction is authorised by your Touch ID, Face ID or device passcode. Your full card number is never stored on your device or on Apple servers, and it can’t be shared with merchants. Apple Pay doesn’t keep transaction information that can be tied back to you, ensuring all purchases are private. More information on Apple Pay security and privacy:

Depending on your device, you can add up to 12 cards to your Wallet.

The first card you add to your Wallet app will automatically appear as your default card. To change your default card on your mobile:

  • Open 'Settings'
  • Select 'Wallet and Apple Pay'
  • Transaction Default: Select 'Default card'
  • Choose the card you want to make your default card.

For more information on managing your cards in the Apple Wallet, visit:

The same transaction limits on your card will apply to Apple Pay and you may have to enter your PIN at the terminal if it's required.

Generally no, but you might need to enter a PIN for some older merchant terminals.

You can disable Apple Pay on your phone by using the Find My iPhone or Find My app functions on your other compatible Apple devices. You can also log into your Apple ID account to remove cards or contact us to have your card removed from the Wallet.

You'll be able block your physical card if it's lost or stolen and still use Apple Pay as a back-up. Your details will automatically update in the Wallet app if you request a replacement card.

Open the Wallet app, find the card you'd like to remove and select 'Remove Card' from the menu.

For more information on managing your cards, visit:

You don't need an internet connection to make a payment in store.

There are no additional fees for adding your card to Apple Pay though normal transactions costs may apply. View the relevant Terms and Conditions.

Your payment may be declined for several reasons:

  • You may need to request a one-time passcode to complete the verification process and continue with your payment
  • There may be a billing issue with a previous transaction. You'll need to fix this before you can make any other purchases.
  • Your physical card may have expired or been cancelled
  • You may have insufficient funds in your account or insufficient credit limit
  • There may be a temporary block on your card
  • You may have entered an incorrect PIN
  • The merchant terminal may not support digital payments.

No money will be taken from your account if a payment fails. Get in touch if you need additional support.

Apple Pay transactions will appear like they do now for your other payments in the app or internet banking. Recent transactions made using Apple Pay will also appear in the Digital Wallet. You can contact us if you need more information about a particular transaction.

Simply tap your device on the merchant terminal like you would with your physical card to process a refund. You may have to provide the last 4 digits of your Device Account Number, which you can find on the card details screen in your Apple Wallet, or by going to:

  1. Settings app
  2. Wallet and Apple Pay
  3. Select the card
  4. Scroll to Device Account Number.

For more information, visit:

For more information, visit:

For more information, visit:

The digital card colour will now reflect your physical card. This cannot be changed.

We have made enhancements so that the digital card now matches your physical card, making it easier than ever before to manage your money and payments.

The card colour will update automatically when the new card is activated.

Apple Pay Terms of Use.
Apple, the Apple logo, Apple Pay, Apple Wallet, Face ID, Touch ID, Touch Bar, Safari, Apple Watch, iPad, iPhone, iTunes and Mac are trademarks of Apple Inc., registered in the U.S. and other countries and regions.
^^^For a list of compatible Apple Pay devices, see 
Cashcards and Business+ Credit Cards are not eligible.