Apple Pay Canada: Which Banks Support It in 2025?

The complete list of Canadian banks and fintech apps that support Apple Pay, how to set it up, and tips to get the most from Apple Pay in Canada.

Apple Pay in Canada — Overview

Apple Pay launched in Canada in 2015 and is now supported by over 50 Canadian financial institutions. It allows iPhone, Apple Watch, iPad, and Mac users to make secure payments in stores, apps, and online without using a physical card. In Canada, Apple Pay is accepted at hundreds of thousands of locations — essentially any retailer with a contactless payment terminal.

Major Canadian Banks That Support Apple Pay

Institution	Debit	Credit
RBC	Yes	Yes
TD	Yes	Yes
Scotiabank	Yes	Yes
BMO	Yes	Yes
CIBC	Yes	Yes
Tangerine	No	Yes
Simplii Financial	No	Yes (via CIBC)
EQ Bank	Yes (Visa Debit)	No
KOHO	Yes (Visa Prepaid)	N/A
Neo Financial	Yes	Yes
Wealthsimple Cash	Yes	N/A
ATB Financial	Yes	Yes
Desjardins	Yes	Yes

Does KOHO Work With Apple Pay?

Yes. KOHO's Visa prepaid card can be added to Apple Wallet and used for Apple Pay purchases anywhere Apple Pay is accepted. Critically, you can add your KOHO card to Apple Pay immediately after opening your account — before your physical card arrives in the mail. This means you can start earning cash back and making contactless purchases on the same day you sign up.

How to Set Up Apple Pay in Canada

1. Open the Wallet app on your iPhone
2. Tap the + button in the top-right corner
3. Tap "Debit or Credit Card"
4. Position your card in the camera frame (or enter manually)
5. Follow your bank's verification steps (usually a text message code)
6. Once verified, your card is ready to use with Face ID or Touch ID

Apple Pay Limits in Canada

Apple Pay payments authenticated with Face ID or Touch ID have no preset spending limit set by Apple. Individual banks may set their own limits, but most Canadian banks allow unlimited Apple Pay transactions for authenticated purchases. This is a key advantage over physical card tap, which is limited to $250 per transaction without a PIN.

Apple Pay Security in Canada

Apple Pay uses tokenization — your actual card number is never stored on your iPhone or shared with merchants. Each transaction generates a unique one-time code. Combined with biometric authentication (Face ID or Touch ID), Apple Pay is one of the most secure payment methods available in Canada. Apple cannot see your transaction history, and neither can the merchant receive your real card number.

Apple Pay for Online Shopping

Apple Pay works for online purchases at Canadian retailers that display the Apple Pay button at checkout. Major Canadian e-commerce sites including Indigo, Hudson's Bay, Sport Chek, and many others support Apple Pay. No typing card numbers — just Face ID and done.

KOHO is compatible with Apple Pay from day one. Open a free account today and use code 45ET55JSYA to earn a $20 welcome bonus. Start earning cash back on every Apple Pay purchase immediately.