UK’s Starling Bank adds Apple Pay support

“Digital-only UK ‘challenger’ bank, Starling Bank, has added support for Apple Pay — meaning its customers can now add their Starling debit card to their Apple Wallet and make contactless payments drawing from funds in their Starling account via their Apple devices,” Natasha Lomas reports for TechCrunch.

“The fintech startup launched a beta for its own app back in March so it’s been pretty quick to add support for Apple’s contactless payment tech — and is lauding itself as the first of the fintech banks to do so,” Lomas reports. “(Although, also today, two French fintech startups are announcing Apple Pay support.)”

Apple states on the company’s website “that ‘your card details are never shared by Apple when you use Apple Pay, making purchases with your iPhone, Apple Watch, iPad and Mac is the safer, more private way to pay,'” Lomas reports. “That’s especially interesting when you consider Google’s stated intent, earlier this year, to track credit and debit card spending to further profile web users for ad targeting purposes.”

Read more in the full article here.

MacDailyNews Take: Congrats, Starling Bank customers!

People who value privacy and security use Apple products.MacDailyNews, September 12, 2015


Apple’s iOS 11 will deliver even more privacy to users – June 8, 2017
Apple Pay spending caps lifted across most terminals in the UK – May 22, 2017
Why Apple Pay is beating (and will continue to beat) Google in mobile payments – April 13, 2017
We spent around $20 billion using Apple Pay in 2016 – April 5, 2017
Retail survey: Apple Pay now being accepted at more retailers than any other mobile payments service – February 22, 2017
Apple Pay transactions are growing at a rapid rate – November 30, 2016
More than 60 percent of Windows sufferers would upgrade to Apple’s Mac for more privacy – August 3, 2016
Apple’s cutting-edge ‘differential privacy’ is opt-in – June 24, 2016
Apple’s cutting-edge ‘differential privacy’ offers unique option for technology users – June 20, 2016
Apple’s use of cutting-edge tech will peek at user habits without violating privacy – June 16, 2016
iPhone users earn significantly more than those who settle for Android phones – October 8, 2014
Yet more proof that Android is for poor people – June 27, 2014
More proof that Android is for poor people – May 13, 2014


  1. Starling Bank are virtually unheard of over here.

    More importantly, I believed (possibly incorrectly now) that there was an announcement two months ago that the £30 limit on Pay was being scrapped in the U.K.

    So far, that’s not happened and no-one in the stores knows anything about it.

    This crazy limit is a serious impediment to British spending via Pay.

    Perhaps it only applied in the USA? Very disappointing!

    1. Thanks for replying, Mike.

      I pay via my Watch or iPhone (clearly contactless).

      Finding it very frustrating to only be able to use Pay for small items like a round of drinks.

      I already have a bank card (and occasionally cash), which can cover small purchases.

      I would like to be able to buy a small car with my wristwatch — or, at the very least, the weekly supermarket shopping.

      Other than my loyalty and showing off the brand, the novelty of Pay has worn off and the whole thing has become lame and totally pointless at £30 max spend.

      How on earth does one get a £9,000 limit? Am I missing something?

      Thanks again, Mike.

      1. We only recently started being able to take contactless at work. Quite pleased that it included Apple Pay. Asked about limits and was told that contactless card was a £30 limit, and that Apple Pay was £9,000.

        I think the difference is that contactless card has no verification / authorisation whereas Apple Pay is backed by users finger print and isn’t in the same class as contactless card. If I found a card on the ground I could use it for small purchases, is I found an iPhone i wouldn’t be able to use Apple Pay at all. I know my mates PIN for his standard card as he has macular degeneration and I have to enter it for him sometimes. I guess Apple Pay is more secure than that.

        I’ve definatelty been able to use Apple Pay for purchases over £30. I’m not too sureif the £30 lilti for Apple is a misunderstanding / missinformation. Have you actually tried it and been declined ot have no not tried it becuase that is what you’ve heard?

        1. Looking through transations I used Apple Pay for a £289.95 purchase in an Apply store in Bristol. I appreciate it’s in an Apple store, but as far as the card issuer linked to payment should care it’s just another shop.

          1. Hi Mike — You’re a star! Everything you said has rung true.

            After last weeks miserable experience in Tesco, I’m delighted to say that I just rang up a £35+ sale in Sainsbury’s.

            That proves what you were saying about non-upgraded software on store terminals.

            Thank you. Your replies were really helpful, Mike. I’m really grateful for the information you very kindly supplied — and your time to share it all.

            Next time (if I ever hear “£30 limit, mate” ever again), I’m inclined give them their stuff back and tell them to upgrade the software on their terminals and inform the manager pronto.

            Admittedly, one can hardly do that with a round of drinks down the pub (!). Not a hope.

            Nevertheless, the slower stores etc. have to realise that still labouring under the old £30 limit is time they’re losing out on serious Pay trade from good customers.

            It was always obvious to me that Pay was really secure: the amount of hoops one has to jump through to get it in the first place convinced me.

            As you say, the iPhone (and Watch combination for me), with fingerprint identification and passcode ID is great for security. Given the general spending calibre of Apple consumers generally, it seemed a foregone conclusion that there would be few (if any) problems with the Pay system after it’s fairly long trial out in the high street; that imposing a pathetically small limit would be quickly seen as pointless by banks and businesses.

            For them it’s a gift — and an outright success — against fraud and loss. Especially compared to the (so-called) ‘competition’. Samsung Pay, anyone?

            Anyway, I’m thrilled that the stupid limit is now over.

            Once again, I’m in love with Pay and will be boasting to all who’ll listen that I can now buy a small car with my Watch! (Without getting mugged for it, obviously).

            Thank you so much again, Mike, I really appreciate your help and advice on this.

            It’s funny what can make us Apple fans so happy!

            As we say in London: “Result!”. 😊 Cheers! 🍻

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