Can’t add my Lloyds debit card to my Apple Watch wallet

Apple doesn’t block cards. Per Apple Pay terms & conditions Apple shares basic information about your device.

>>When a user adds a credit, debit or pre-paid card (including store cards) to Apple Wallet, Apple securely sends the card information, along with other information about the user’s account and device, to the card issuer or card issuer’s authorized service provider (usually the payment network).

Card provisioning security overview - Apple Support

Using this information, the card issuer (or its service provider) determines whether to approve adding the card to Apple Wallet.

Your bank has received information about your device and account with Apple (Apple Account (formerly Apple ID), App Store account, iTunes account, etc.

Your bank or Payment Network Operator (Visa, MasterCard etc.) has received that information and has made a decision to not add their cards to Apple Wallet app. I nor anyone at Apple knows what information they received was contradictory, inaccurate or indicated a risk the bank is not comfortable with.

Apple can’t really do much. Why? Apple can’t prove you’re you. How does Apple know if you’re a hacker or scammer? It’s the bank that’s at risk and they need to be certain enough that you are who you say you are before adding the cards.

Things you can check. Apple account information is up to date, you’re logged into all Apple accounts using same accounts and they are accurate and in good condition. Location services are on and also enabled for the banks app and you’re logged into your account.

Wait 30 days and try again. Why 30 days? There is some evidence the PNO may block accounts for approximately 30 days once it’s failed.

Banks and PNO rely on behaviors and actions to determine a lot of the potential risks. Sorry, but having done no wrong means nothing. No fraudster calls the bank and says I’m not committing fraud, please add this card to my watch. Your behaviors and actions indicate high potential fraud and you’ve been blocked. In my experience, nothing you say to the bank will remove the behaviors and actions.

Most banks won’t talk to the PNO in my experience. If the consumer calls, the PNO just says, call the bank.

In my personal experience, Lloyds presents more issues than most banks.

Ask Lloyds if your card is Red flow, Yellow flow or Green flow?

I didn’t mean to imply they are a bad bank. I had hoped it came across as stricter fraud protection than many banks.

I’d follow the advice of the banker/support person you’re talking to. If he said 30 days, try again sometime after 30 days. Remember, it’s an algorithm making the decisions. Don’t take it personally.

Cards generally are never permanently blocked unless fraud is detected. The 30+ is meant to indicate that some users state 30 days, others say 31 and even others said it was 35 days. Banks seem to have some discretion in determining the end of the waiting period.

You’re welcome and I hope you have a great weekend!

The 5 attempts in 24 hours usually falls off sooner. The 30+ day block is usually what’s needed for a Red Path approval issue. Fraud issues can be much longer and are usually placed by PNO (Visa?).