The key difference is where the transaction takes place - either in store where you would tap your phone to a compatible contactless terminal, or within the merchant's own mobile app where you see Apple Pay and Google Pay as a payment option.

Are there fees for using Apple Pay and Google Pay?

Contactless

Fees apply to the following contactless transactions:

• Apple Pay and Google Pay Euro transactions inside SEPA will incur a €0.01 transaction fee
• Apple Pay and Google Pay Euro transactions outside SEPA have a charge of 1% of the transaction amount (minimum €0.25, maximum €6)
• For Non Euro transactions, a charge of 1% of the transaction amount (minimum €0.25, maximum €6) and an Exchange Rate Transaction Fee (ERTF) of 1% of the transaction amount (minimum €0.25, maximum €6) applies

In App

Fees apply to the following in app transactions:

• Apple Pay and Google Pay Euro transactions will incur a debit card transaction fee of €0.20
• Apple Pay and Google Pay Non Euro transactions, a charge of 1% of the transaction amount (minimum €0.25, maximum €6) and an exchange rate transaction fee (ERTF) of 1% of the transaction amount (minimum €0.25, maximum €6) applies

If you need more information about fees and charges on your account please visit ulsterbank.ie/currentaccountfees.