Digital challenger Starling Bank has announced that Apple Pay has arrived for its UK customers, allowing users to load their card onto their digital wallet before their physical Mastercard debit card arrives in the post.

Starling Bank will be the first bank in the UK to offer this ‘in-app provisioning’ service. When someone uses a credit or debit card with Apple Pay, the actual card numbers are not stored on the device, nor on Apple servers. Instead, a unique Device Account Number is assigned, encrypted and securely stored in the Secure Element on the user’s device. Each transaction is authorised with a one-time unique dynamic security code.

Julian Sawyer, chief operating officer at Starling Bank, said: “Introducing Apple Pay is a great step for Starling as a digital only bank. Apple Pay has led to transformation in how customers can pay online and offline, so it’s a natural step for us given our focus on delivering great customer experience and fast, easy, secure ways to pay.

“Many of our customers have been eagerly awaiting this announcement so we are pleased to bring Apple Pay to them.”

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