Apple Pay Your iPhone is now your Raiffeisen card

You can use Apple Pay on mobile devices with iOS operating system version 8.1 or later. This version supports devices such as iPhone 6 and newer, iPad mini 3, iPad Pro, Apple Watch Series 1, and all later generations of iPhone phones, iPad tablets, and Apple Watch devices.

To use contactless payment, the client must have an active Raiffeisen card registered in Apple Wallet. Additionally, the client must have biometric authentication enabled (Face ID or Touch ID) or another form of protection such as a password, pattern, etc.An internet connection is required when adding the card, while contactless payments in physical stores can be made without internet access.

Apple Pay supports Raiffeisen cards for individuals issued by the Bank. There are no limits on the number of cards that can be added to Apple Wallet.

No, Apple Pay does not require entering the physical card PIN for contactless payments.Instead, transactions are confirmed via biometric authentication (Face ID or Touch ID) or device passcode.

This method replaces the traditional PIN and provides an additional level of security, as the actual card details are not shared with the merchant.

In the case of using an Apple Watch, payment is made as soon as the watch is unlocked and on the user's wrist—without additional card PIN confirmation.

To deactivate Apple Pay, open the Wallet app on your Apple device, select the card that is already activated, click on "Card Details,"and at the bottom of the screen, select "Remove This Card."

If Apple Pay is also activated on an Apple Watch, the same procedure needs to be followed through the watch settings, where the card can also be removed.

Payment via mobile or tablet:

To pay using Apple Pay, simply hold your device near the POS terminal at a point of sale that supports contactless payment with Mastercard or Visa cards.

If the device is not automatically recognized, double-click the Home button to activate Apple Pay.

Then unlock the screen using a password, fingerprint (Touch ID), facial scan (Face ID), or pattern, and hold the device near the POS terminal until the transaction is completed.

When confirmation appears on the screen, your transaction is successfully completed.

Payment via Apple Watch:

Before the first use, you need to unlock your Apple Watch by entering the password you set.

For each subsequent transaction, double-click the Home button on the watch to activate Apple Pay, hold the watch near the POS terminal, and the transaction will automatically complete.

If you have removed the watch from your wrist in the meantime, you will need to unlock it again by entering the password before the next payment.

No, using Apple Pay is not charged.

Raiffeisen Bank does not charge additional fees for the activation or use of the Apple Pay service. All transactions via Apple Pay are treated as standard card payments, without additional costs to the user.

Yes, there are.

Apple Pay uses the same limits as your physical card. This means that you can pay daily via Apple Pay as much as your card allows, in accordance with the bank's set limits. Apple Pay does not introduce additional restrictions—all transactions are treated as standard card payments.

Yes, Apple Pay is an extremely secure and protected payment method.

Your card payment data is not shared with the merchant. Instead of actual data, a so-called token—a unique digital identifier tied exclusively to your device—is used.

Thanks to this technology, actual card data is never part of the transaction, significantly reducing the risk of misuse or fraud.

Additional security is provided by biometric authentication (Face ID, Touch ID) or a device passcode, which is mandatory for confirming each transaction.

In case of loss, theft, or misuse of a mobile device with the Apple Pay application installed, it is necessary to immediately and without delay call Raiffeisen Bank via the Contact Center at the number 081 92 92 92 or +387 33 755 010 (for calls from abroad) or visit the nearest Bank branch.

Yes, you can. You can add the card in the same way as before, noting that if you add the card directly through Wallet, the card will be listed under "Previous Cards."

Cash withdrawal via Apple Pay is not enabled. To withdraw cash, you still need to use a physical card.