Apple Pay: Lloyds uk

It's definitely a Lloyds thing. I recently contacted the Lloyds corporate card team and was told that they only have a 10 transactions per day limit. I tried purchasing more than 10 items in one day a few weeks ago, and then the 11th transaction onwards would not work. That's when I called the support line. After two hours on the phone being moved around departments, I managed to get this limit upped to a 100 transactions per day.

So it certainly seems it is a Lloyds issue. All my cards from other banks (Nationwide and Nat West) work perfectly on Apple Pay.

Nope it's not just you.I have the exact same issue. Was told the exact same thing, whilst stuck in a airport with that as my only method of payment and declining my transactions so massively stuck... then loaded my boyfriends card to my apple pay and not issues whatsoever... its totally as Lloyds thing and annoyed me so much I am going to move banks..... they need to keep up with technology!

I've had this experience multiple times, but only with Lloyds. I use ApplePay with Monzo and HSBC and have never had this issue. Lloyds say it is a limit that Apple impose (they do not know what this limit is), but they say it resets at midnight at which point you should use your physical Lloyds card with chip and pin in order to restore and ensure normal ApplePay functioning. I do wonder how using chip and pin has any bearing on how Apple process the payments, but Lloyds are adamant it's not them....

Yeah, as I've posted on here when I tried to contact them about this the abuse I got of the agent stating that it was all Apple's doing and that they don't impose any limits was crazy.

I also found this on LLoyds site today:

What is the transaction limit for Apple Pay?

• To protect you from fraud, we may restrict the value or number of payments you can make using Apple Pay. Some retailers will also limit individual payments to £100.

https://www.lloydsbank.com/online-banking/card-and-pin-services/apple-pay.html#:~:text=Simple%20%2D%20Make%20secure%20contactless%20purchases,individual%20payments%20to%20%C2%A3100.

Having exactly the same issue with Applepay declined transactions with Lloyds and made an official complaint given the embarrassment, cost and inconvenience it caused recently. They are still maintaining its an "Apple Pay Policy decline" despite all of the information available saying its a bank thing and that Apple don't get involved in transaction authorisation, etc. I've now escalated my complaint to the Financial Ombudsman 😡

Please let me try to understand. You have a Lloyds credit or debit card in your Apple Wallet on your iPhone and when you select the Lloyd’s credit/debit card you’re get declines?

If so, it’s a Lloyds issue. Apple Pay is just a payment network. Apple makes a very small percentage of every transaction that is processed through Apple Pay network. Apple does not impose any limits. Your bank is imposing limits to avoid fees.

Have to say I had exactly the same experience.

When I phoned Lloyds the agent insisted it was Apple imposing a limit on the cash amount per transaction.

I advised that apple do not impose any limits and simply refer you to the card issuer. This seemed to anger the agent who was adamant it was apple and there was nothing they could do.

I mean I switched to Lloyds due to the high cash back, I used to have a John Lewis card for the vouchers but they’ve moved to New day and they are basically the Ryanair of payment card providers but given the issues with Lloyds I think I’ll be switching again sooner rather than later..

I have the same issue, Lloyds support keep telling that there is daily limit that I need to change in Apple Pay. But i can't find anything on iOS to change any of this, and my Google search has only led me to this thread.

Statement from Lloyds support:

"The limits are not something we are able to change, unfortunately."

EDIT: I had declined transaction with my Lloyds card on Apple Pay, then paid the same amount from my Revolut card with Apple Pay. Lloyds have told me this was declined by Apple Pay due to their daily limits.

It’s Lloyd’s policy to limit the number of Apple Pay transactions in a day. Some merchants in some countries may have a maximum dollar limit per transaction.

Apple has a support article in regard to transaction limits that some countries impose.

About limits when using Apple Pay in stores – Apple Support

That final paragraph has only been added recently and interestingly....

1. It indicates that they (Lloyds) may restrict the value or number of payments using Apple Pay which contradicts their continued stance that Apple Pay declined my payment.
2. It uses "fraud protection" as the reason they may do this when elsewhere in their marketing material they actively promote Apple Pay as a preferred method of payment due to it's fraud beating, biometric credentials.
3. I contacted them by phone due to one declined transaction that caused major grief and went through security and they still wouldn't authorise my payment.

Come on! you can't have it all ways......

I’ve had a Lloyds account since the dawn of time and this has started happening to me all the time now, but only relatively recently. I’ve also noticed my actual Lloyds credit card gets bounced all the time too - far more often than it used to. Must be new security protocols from Lloyds. As per OP though, no point in relying on Apple Pay if it might let you down just when you least want it to happen….!

I’m actually thinking of moving my accounts to another bank just on the strength of this (I’ve been with Lloyds for 35+ years). Their interest rates are crummy as well, presumably on the basis they provide such a good service. Oh, hang on….

Anyone ever get a fix for this? Same issues got stuck miles from home in a multi story car park…. With no access to other cards