Best Apple Pay Banks in Europe
Apple Pay is a digital wallet that turns your iPhone or Apple Watch into a seamless payment tool. Instead of carrying a bulky wallet, you generate encrypted transaction codes with every tap, making each payment both unique and secure. It transforms traditional transactions into a dance of data – swift, private, and clever. Whether you’re buying a coffee or booking an online adventure, the process flows smoothly with just a touch. At its core, Apple Pay is about merging cutting-edge security with everyday convenience, redefining how you interact with money.
The Top List Of Apple Pay Banks
bunq Apple Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 1 |
bunq
🇳🇱 Netherlands
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94
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Go To Site |
Pros
- Full Apple Pay integration (Visa & Mastercard)
- Supports 15+ IBANs in different currencies
- Instant virtual cards for mobile wallets
- Eco-conscious banking features
- Attractive interest rates for savings
Cons
- Monthly fee required for most features
- Not all features are available outside the EU
- Crypto can’t be withdrawn to wallet (yet)
About bunq
bunq is a Netherlands-based digital bank built for global citizens and mobile-first users. Offering both Visa and Mastercard options, bunq supports full Apple Pay integration, allowing users to instantly issue virtual cards and add them to their Apple Wallets. Known for its sustainability mission, bunq plants trees for card usage and promotes eco-friendly finance. The bank supports multi-currency IBANs and features like shared accounts, auto-budgeting, and competitive savings rates up to 3.71%. With strong privacy controls, real-time insights, and fast onboarding, bunq is one of Europe’s most innovative fintech banks in 2025.
Vivid Money Apple Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 2 |
Vivid Money
🇩🇪 Germany / 🇪🇸 Spain
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91
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Go To Site |
Pros
- Apple Pay + metal Visa debit card
- Crypto, ETFs, and fractional shares via app
- Multi-currency IBAN pockets
- Generous cashback & referral bonuses
- Supports up to 100 currencies
Cons
- Premium plan required for top cashback tiers
- Limited physical branch access
- No Mastercard option
About Vivid Money
Vivid Money is a modern mobile-first financial platform founded in Berlin, designed for European users seeking flexibility and control over their finances. With full Apple Pay support and a stylish metal Visa card, users enjoy seamless spending in over 100 currencies, along with instant access to savings pockets offering up to 3.6% APY. Vivid’s premium tier unlocks advanced cashback, while the free version offers solid basics for daily banking. Integrated stock and crypto investing make Vivid an all-in-one finance tool. Available in multiple languages, Vivid appeals to global travelers and digital nomads seeking a single platform for all financial needs.
Monese Apple Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 3 |
Monese
🇬🇧 United Kingdom
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88
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Go To Site |
Pros
- No UK address required to open
- Supports Apple Pay & Google Pay
- Debit card arrives quickly across Europe
- Multi-language app & support
- Instant international money transfers
Cons
- Premium plans needed for top features
- Limited investing or savings APY
- Not available outside EEA/UK
About Monese
Monese is a leading UK-based fintech that offers inclusive, mobile-first banking solutions across Europe. Renowned for its simple onboarding process, Monese allows users to open accounts without requiring a UK address or credit history – ideal for expats, freelancers, and digital nomads. With multi-currency support in EUR, GBP, and RON, and instant money transfers, Monese is built for flexibility. Customers benefit from budgeting tools, a clean mobile app, and Apple Pay/Google Pay support. Its credit builder program and SEPA/Faster Payments access help users stay financially agile. Monese is available in multiple languages, ensuring accessibility across borders.
Klarna Bank Apple Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 4 |
Klarna Bank
🇸🇪 Sweden
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87
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Go To Site |
Pros
- Apple Pay and Google Pay supported
- Visa debit card with online shopping perks
- BNPL built into one clean interface
- Instant virtual cards for e-commerce
- Zero monthly fees
Cons
- Limited savings or interest features
- Geared toward shoppers, not savers
- Card not available in all EU countries
About Klarna Bank
Klarna Bank, headquartered in Stockholm, is widely known for transforming how Europeans shop online. With its “Buy Now, Pay Later” (BNPL) model, Klarna integrates seamlessly into thousands of online stores. The Klarna Visa debit card lets users manage purchases directly from the Klarna app, which includes spending insights, instant refunds, and delivery tracking. Apple Pay and Google Pay are both supported, making in-store and mobile payments quick and contactless. Although it lacks traditional savings features, Klarna excels in e-commerce finance, offering virtual cards and smart purchase management across the EU and UK.
Curve Apple Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 5 |
Curve
🇬🇧 UK
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88
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Go To Site |
Pros
- Supports Apple Pay and Google Pay
- Combines multiple cards into one
- Mastercard acceptance worldwide
- Innovative “Go Back in Time” feature
- Real-time spending notifications
Cons
- No direct bank account, only card services
- Some features locked behind premium plans
- Not a traditional bank, limited deposit options
About Curve
Curve is a revolutionary UK-based fintech company that streamlines your wallet by consolidating multiple credit and debit cards into a single Mastercard. With Apple Pay support, users can enjoy quick, contactless payments via their iPhone or Apple Watch. Curve offers real-time notifications, instant currency conversion with competitive rates, and a unique ‘Go Back in Time’ feature that lets you switch the payment card used for a purchase after checkout. Ideal for frequent travelers and multi-card users, Curve blends convenience with smart money management in one elegant app and card combo.
Lanistar Apple Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 6 |
Lanistar
🇬🇧 UK
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85
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Go To Site |
Pros
- Supports Apple Pay for seamless mobile payments
- Unique Visa/Mastercard hybrid card technology
- Metal card with biometric security for extra safety
- Multi-currency and crypto wallet options
- Advanced budgeting and analytics tools
Cons
- Some premium features require paid plans
- Relatively new with smaller user base
- Limited physical branch presence
About Lanistar
Lanistar is a cutting-edge UK fintech offering a unique hybrid Visa and Mastercard card that works seamlessly with Apple Pay, providing ultra-secure contactless payments. Featuring biometric fingerprint authentication on its premium metal card, Lanistar blends security and style with smart multi-currency wallets including cryptocurrency support. The companion app delivers powerful budgeting tools and real-time spending insights, helping users take control of their finances. Lanistar is gaining traction as a versatile, future-forward financial product with global acceptance on major card networks.
Lunar Apple Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 7 |
Lunar
🇩🇰 Denmark
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88
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Go To Site |
Pros
- Apple Pay ready with instant contactless payments
- Supports multi-currency accounts including USD and EUR
- Highly intuitive app with real-time spending alerts
- Competitive fees and flexible account plans
- Strong Nordic regulatory framework
Cons
- Premium features locked behind subscription
- Limited physical branch presence
- Some currency exchanges have fees
About Lunar
Lunar is a leading Danish challenger bank with strong Apple Pay integration for easy and secure contactless payments across Europe. It offers versatile multi-currency accounts and a sleek mobile app packed with budgeting tools and real-time spending notifications. Lunar caters to digital-savvy users with flexible free and premium plans, making banking simple and transparent. The bank operates under robust Nordic regulation, providing trust and security to its growing user base. Its focus on user experience and digital innovation has positioned Lunar as a top choice for modern banking in the region.
Zopa Bank Apple Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 8 |
Zopa Bank
🇬🇧 United Kingdom
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87
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Go To Site |
Pros
- Full Apple Pay & Mastercard support
- Strong savings interest rates
- FSCS protection for peace of mind
- User-friendly mobile app
- No monthly fees or hidden charges
Cons
- Limited product range (focuses on savings only)
- No current account or debit card for daily spending
- Only available for UK residents
About Zopa Bank
Zopa Bank is a pioneering UK-based digital savings bank with strong Apple Pay and Mastercard integration, providing a seamless mobile payment experience. Renowned for attractive savings rates and straightforward accounts, Zopa emphasizes security and ease of use. Its user-friendly app makes managing savings effortless, backed by full FSCS protection up to £85,000. With quick online sign-up and no monthly fees, Zopa is ideal for UK savers looking for competitive returns and modern digital banking features. The bank is focused purely on savings, offering flexible easy-access and fixed-term accounts designed for simplicity and reliability.
W1TTY Apple Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 9 |
W1TTY
🇱🇹 Lithuania / 🇬🇧 UK
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85
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Go To Site |
Pros
- Supports Apple Pay and Google Pay
- Visa & Mastercard cards available
- Multi-currency accounts with great FX rates
- Strong biometric security features
- Fast and easy account setup online
Cons
- Limited physical branch presence
- Some advanced features require paid plan
- Not all currencies supported for card payments
About W1TTY
W1TTY is an innovative fintech offering multi-currency accounts with strong Apple Pay and Google Pay integration, allowing users to make fast and secure contactless payments globally. It provides both Visa and Mastercard options to maximize payment flexibility. Designed for travelers, freelancers, and businesses, W1TTY delivers competitive foreign exchange rates and instant transfers across Europe. The platform emphasizes security with biometric authentication and real-time spending notifications, all accessible through a sleek mobile app. Although it lacks physical branches, W1TTY’s fully digital service model suits modern users who prioritize convenience and digital security.
Sofi Bank Apple Pay
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 10 |
Sofi Bank
🇺🇸 United States / 🇪🇺 Europe
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88
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Go To Site |
Pros
- Supports Apple Pay with Visa debit & credit cards
- Strong US and EU presence for cross-border banking
- Attractive cashback and rewards programs
- Comprehensive budgeting and financial tools
- Fee-free ATM withdrawals globally (with limits)
Cons
- Some advanced features limited to US customers
- European expansion still growing, limited EU account features
- No physical branches-fully digital bank
About Sofi Bank
Sofi Bank is a fast-growing digital bank known for its strong foothold in the US market and rapid expansion into Europe. It offers Visa debit and credit cards fully compatible with Apple Pay, enabling seamless and secure contactless payments globally. Sofi’s platform combines personal finance management tools, budgeting features, and cashback rewards, making it attractive for both personal and business customers. With no monthly fees and fee-free ATM withdrawals worldwide (subject to conditions), Sofi appeals to customers seeking a flexible, modern banking experience. While its European features are still evolving, Sofi’s user-friendly app and commitment to innovation position it as a promising player in the European fintech space.
Main Features of Apple Pay
| Feature | Description |
|---|---|
| Secure Transactions | Utilizes encryption and tokenization to ensure that your card details remain private and safe. |
| Contactless Payment | Enables swift tap-to-pay functionality, eliminating the need to physically swipe or insert a card. |
| Biometric Authentication | Integrates Face ID or Touch ID to confirm payments, adding an extra layer of security. |
| Global Acceptance | Widely embraced by merchants around the world, making everyday transactions convenient wherever you are. |
| Digital Wallet Convenience | Acts as a secure, all-in-one wallet where multiple cards and passes are stored for ready access. |
FAQ: Top European Banks Supporting Apple Pay
eading banks like Revolut, N26, Santander, ING, and BNP Paribas support Apple Pay
Open the Wallet app or visit Apple’s official list online
Yes, mobile-first banks provide a more streamlined setup compared to some traditional ones
Absolutely, it uses tokenization and biometric authentication to protect transactions
Improved interoperability and evolving regulations are set to expand and enhance the service