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  • FIRST POST
    • JustAnotherSaver
    • By JustAnotherSaver 18th Oct 16, 10:34 PM
    • 1,970Posts
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    JustAnotherSaver
    Apple Pay - what's the biggest amount you've been able to do?
    • #1
    • 18th Oct 16, 10:34 PM
    Apple Pay - what's the biggest amount you've been able to do? 18th Oct 16 at 10:34 PM
    On the back of the contactless thread i made i was wondering about this.

    Am i right in thinking contactless is £30 across the board?

    I read that for the TSB 5% cashback you will still get this if you use Apple Pay, since it's contactless but i also read somewhere that there's no set amount as the highest you can get away with using Apple Pay, which suggests it can be higher than £30 but who knows what up to.

    So just wondered what the max is you've used Apple Pay successfully for?

Page 1
    • cbrown372
    • By cbrown372 18th Oct 16, 10:47 PM
    • 983 Posts
    • 3,083 Thanks
    cbrown372
    • #2
    • 18th Oct 16, 10:47 PM
    • #2
    • 18th Oct 16, 10:47 PM
    £239 in part payment of a new phone in an Apple Store.
    Its not that we have more patience as we grow older, its just that we're too tired to care about all the pointless drama
    • JustAnotherSaver
    • By JustAnotherSaver 18th Oct 16, 11:08 PM
    • 1,970 Posts
    • 292 Thanks
    JustAnotherSaver
    • #3
    • 18th Oct 16, 11:08 PM
    • #3
    • 18th Oct 16, 11:08 PM
    Nice to know you can do serious payments then.

    Out of interest does the shop have to offer specifically Apple Pay? Or is it anything that offers contactless will also take Apple Pay?

    • LindaMary
    • By LindaMary 19th Oct 16, 1:11 AM
    • 166 Posts
    • 68 Thanks
    LindaMary
    • #4
    • 19th Oct 16, 1:11 AM
    • #4
    • 19th Oct 16, 1:11 AM
    Lidl is unlimited. Handy for weekly shop!
    • The Cappuccino Kid
    • By The Cappuccino Kid 19th Oct 16, 8:01 AM
    • 88 Posts
    • 41 Thanks
    The Cappuccino Kid
    • #5
    • 19th Oct 16, 8:01 AM
    • #5
    • 19th Oct 16, 8:01 AM
    On the back of the contactless thread i made i was wondering about this.

    Am i right in thinking contactless is £30 across the board?

    I read that for the TSB 5% cashback you will still get this if you use Apple Pay, since it's contactless but i also read somewhere that there's no set amount as the highest you can get away with using Apple Pay, which suggests it can be higher than £30 but who knows what up to.

    So just wondered what the max is you've used Apple Pay successfully for?
    Originally posted by JustAnotherSaver
    Apple Pay contactless is limited to £30 - and don't forget TSB cashback is just on the first £100 each month.
    Please note that any posts that I make on here are based on my personal opinion, experience and what I have read.
    • Gers
    • By Gers 19th Oct 16, 9:00 AM
    • 4,699 Posts
    • 24,768 Thanks
    Gers
    • #6
    • 19th Oct 16, 9:00 AM
    • #6
    • 19th Oct 16, 9:00 AM
    I've been told (by a shop employee) that Apple Pay contactless is available up to your daily cash withdrawal limit at an ATM. And in one lump.

    My largest spend on it was £150.00.
    • benten69
    • By benten69 19th Oct 16, 9:07 AM
    • 226 Posts
    • 1,243 Thanks
    benten69
    • #7
    • 19th Oct 16, 9:07 AM
    • #7
    • 19th Oct 16, 9:07 AM
    Apple Pay contactless is limited to £30 - and don't forget TSB cashback is just on the first £100 each month.
    Originally posted by The Cappuccino Kid
    I've been told (by a shop employee) that Apple Pay contactless is available up to your daily cash withdrawal limit at an ATM. And in one lump.

    My largest spend on it was £150.00.
    Originally posted by Gers
    It actually depends on the bank and the retailer. RBS / Natwest have NO LIMIT, but if the retailer has a limit of £20 then that is all you can spend, but there is nothing stopping someone with an RBS / Natwest account / credit card going into the Apple store and paying £2000 for a new macbook via Apple pay providing funds are available.

    I know some banks do impose limits, but there is no universal limit that goes across the board for Apple Pay like you have for contactless cards.

    I believe the reason for this is that while Apple Pay is contactless, you still need to use your fingerprint to authorise the transaction, unlike a contactless card which doesn't require any other authorisation which means anyone could use contactless cards they found on the street, that security risk isn't present with Apple Pay.
    SPC9 #408 - £200.39 | SPC10 #408 - £95.69
    3-6 Month Emergency Fund Challenge #62 - 53% Complete
    Mortgage Sept '15: £161,250 | Oct '16: £157,050.37

    • 33q
    • By 33q 19th Oct 16, 11:05 AM
    • 6 Posts
    • 1 Thanks
    33q
    • #8
    • 19th Oct 16, 11:05 AM
    • #8
    • 19th Oct 16, 11:05 AM
    Paid for our Spectacles....just short of £600....on my Apple watch
    Last edited by 33q; 19-10-2016 at 11:06 AM. Reason: add
    • 20aday
    • By 20aday 19th Oct 16, 12:20 PM
    • 1,714 Posts
    • 691 Thanks
    20aday
    • #9
    • 19th Oct 16, 12:20 PM
    • #9
    • 19th Oct 16, 12:20 PM
    I know Lloyds Bank/Halifax tend to be slightly more restrictive in the amounts allowed on Apple Pay.

    A lot of places are capped at £30 for Android/Apple Pay and ordinary contactless but quite a few retailers are getting on board and taking higher value payments.

    If your receipt has something along the lines of "Cardholder Device Verified" it's probable you can spend over £30.

    It's worth pointing out that some businesses have Apple Pay decals in their window but have the £30 limit; IKEA is one such example.

    I purchased my Apple Watch using my iPhone 6 Plus at their Regent Street branch in September 2015.
    It's not your credit score that counts, it's your account conduct and credit history.
    • JustAnotherSaver
    • By JustAnotherSaver 19th Oct 16, 3:32 PM
    • 1,970 Posts
    • 292 Thanks
    JustAnotherSaver
    I wonder if TSB are restricted to £30 ... until 1st January 2017

    • cbrown372
    • By cbrown372 19th Oct 16, 4:22 PM
    • 983 Posts
    • 3,083 Thanks
    cbrown372
    I downloaded the Tesco PayQuiq app on my phone which links your Tesco clubcard and a bank/credit card together. You log in and the cashier scans the barcode showing on your phone screen. To my knowledge there is no limit at the moment and trialling in London and Edinburgh.

    Problem with paying for everything using my phone is yesterday I was in Asda and discovered they don't take Apple Pay and I didn't have my purse with me, fortunately I thought to ask before doing a shop.
    Its not that we have more patience as we grow older, its just that we're too tired to care about all the pointless drama
    • Bloomberg
    • By Bloomberg 20th Oct 16, 10:58 AM
    • 643 Posts
    • 256 Thanks
    Bloomberg
    Waitrose
    On the back of the contactless thread i made i was wondering about this.

    Am i right in thinking contactless is £30 across the board?

    I read that for the TSB 5% cashback you will still get this if you use Apple Pay, since it's contactless but i also read somewhere that there's no set amount as the highest you can get away with using Apple Pay, which suggests it can be higher than £30 but who knows what up to.

    So just wondered what the max is you've used Apple Pay successfully for?
    Originally posted by JustAnotherSaver

    I used Apple Pay for just under £100 in Waitrose. Barclays told me that there is no limit but certain retailers do impose one.
    Money is a wise mans religion
    • colsten
    • By colsten 20th Oct 16, 11:33 AM
    • 8,146 Posts
    • 6,640 Thanks
    colsten
    Apple Pay contactless is limited to £30 - and don't forget TSB cashback is just on the first £100 each month.
    Originally posted by The Cappuccino Kid
    It depends on the shop. Plenty of shops don't have a £30 limit. Boots, Waitrose, Apple, M&S are examples of unlimited (well, limited by the limit on your card). Even my small independent hairdresser, and the local Off Licence allows unlimited.

    I've been told (by a shop employee) that Apple Pay contactless is available up to your daily cash withdrawal limit at an ATM. And in one lump.
    Originally posted by Gers
    spend not limited to ATM limit. See above.

    I wonder if TSB are restricted to £30 ... until 1st January 2017
    Originally posted by JustAnotherSaver
    They are not. I have been buying £100 vouchers at Waitrose and M&S with 4 different TSB debit cards each month since the offer started.

    My highest purchase was in excess of £1,100 at Apple, paid with my Apple Watch, using a Santander credit card. I also paid several hundred for some glasses at Boots, again with my watch, using a Nationwide credit card. That Nationwide card doesn't even have a contactless symbol on it. I am not sure whether it works as a normal contactless card, I never tried.
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