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Apple Pay

Navy Federal and Apple Pay

The Easy, Safe and Private Way to Pay Is Now Available.

Get Started With Navy Federal and Apple Pay

To add your Navy Federal credit or debit card, you'll need an iPhone® 6 or iPhone 6 Plus with iOS 8.1 or later. Open the Wallet® app, swipe down and tap the plus sign. Use your iSight® camera to enter the card or add it manually.

If your Navy Federal card is already in iTunes®, just key in the Security Code (the CVV code from the back of your card).

How to Use Apple Pay* in Participating Stores:

1. Look for the Pay Wave® or Apple Pay symbol at checkout and hold your phone near the contactless reader.
2. Place your finger on the Touch ID. Or, you may need to enter a passcode and sign a receipt.
3. Keep your phone by the reader until it vibrates and beeps, indicating your payment was accepted.

Easy. Secure. Private.

Making payments with Apple Pay is easy. The entire transaction is secure, as your credit and debit card numbers aren't stored on the device or on Apple's® server, so they're never shared with the merchant. And, if your iPhone is ever lost or stolen, just use the "Find My iPhone" feature.


Helpful Resources

More information on Apple Pay

Detailed setup and use instructions

Related Article: Quicker Payment Options Are Here

Navy Federal and Apple Pay

*Apple®, iPhone®, iSight®, Wallet® and iTunes® are trademarks of Apple, Inc., registered in the U.S. and other countries. Apple Pay,
and Touch ID® are trademarks of Apple, Inc. iTunes is for legal or rightholder-authorized copying only. Don't steal music.

An Easier Way to Pay

Apple Pay* is an easy, secure and private way to make purchases. To pay, just hold your iPhone® 6 or iPhone 6 Plus near a participating merchant's contactless reader. A vibration and beep let you know your payment has been accepted. You can also use Apple Pay on your phone, iPad Air and iPad Mini 3 with shopping apps such as those for Target®, Panera Bread®, Petco® and Uber®.

A Safe Way to Shop

Using Apple Pay is safe. When you use Apple Pay, your Navy Federal card number is not stored on your phone or given to the merchant. A unique digital code is created specifically for that device. Your payment information is stored in Passbook®. You still enjoy all the benefits of your Navy Federal credit and debit card, including our Zero Liability policy that protects you from unauthorized purchases.

A Simple Way to Get Started

To get started, you need an iPhone 6 or iPhone 6 Plus with iOS 8.1 or later. Simply add your Navy Federal credit or debit card to your Apple Pay account with your iSight® camera or by entering it manually.

The first card you add will automatically become your default payment card. You can go to Passbook anytime to pay with a different card and add or remove any of your cards as needed.

A Secure Way to Protect Your Account

If your mobile device is ever lost or stolen, you can use the "Find My iPhone" feature to quickly set your device in "Lost Mode," disabling purchasing ability and the ability to get into the phone without a PIN entry. Or, you can wipe all information from your iPhone.

A Convenient Way to Shop

You can use your Navy Federal card on Apple Pay to pay at more than 220,000 locations, including Bloomingdale's®, McDonald's®, Macy's®, Nike®, DuaneReade, Petco, Subway® and Staples®. You can also use Apple Pay when using apps such as those for Apple®, Groupon, Panera Bread, Target, Starbucks® and the Disney Store®. More stores and apps will be coming later this year.

Navy Federal and Apple Pay

*Apple®, iPhone®, iSight®, Passbook® and iTunes® are trademarks of Apple, Inc., registered in the U.S. and other countries. Apple Pay, iPad Air and iPad Mini 3 are trademarks of Apple, Inc. iTunes is for legal or rightholder-authorized copying only. Don't steal music.

1. What is Apple Pay?

Apple Pay* allows you to pay for your purchases with your iPhone® 6 or iPhone 6 Plus by holding your phone near a contactless reader. You can also use your phone, iPad Air and iPad Mini 3 to pay within certain apps.

2. What do I need to get started with Apple Pay?

  • iPhone 6 or iPhone 6 Plus to pay in stores and within apps
  • iPad Air 2 or iPad Mini 3 to pay within apps
  • iOS 8.1 or later
  • Touch ID or passcode on your device
  • iCloud® account

3. Which Navy Federal card can I use with Apple Pay?

You can use all Navy Federal consumer credit and debit cards, as well as our Business credit and debit cards.

4. When I add my Navy Federal card to Apple Pay it doesn't look like the card in my wallet. Why?

Apple Pay uses a graphical representation, not an exact replica of your Navy Federal card. Navy Federal credit and debit cards are color coded like this:

  • Red = consumer debit card
  • Blue = consumer credit card
  • Grey = business debit card
  • Black & Green = business credit card

5. How do I change my default card to my Navy Federal card?

The credit or debit card associated with your iTunes® account or the first card you add to Passbook® is your default card. To change your default card:

  1. Go to "Settings > Passbook & Apple Pay."
  2. Tap "Default Card."
  3. Choose a new card.

6. How do I replace my old Navy Federal card with my new card on Apple Pay?

You'll delete the old card from Apple Pay and add the new card. To delete the old card, go into "Settings," open "Passbook & Apple Pay," select the card you want to delete and tap "Remove Card." To add your new card, simply follow the easy step instructions.

7. Are my payments safe with Apple Pay?

Yes. When you use Apple Pay, your Navy Federal card number isn't stored on your phone or given to the merchant. A unique digital code is created specifically for that device. You still enjoy all the benefits of your Navy Federal credit or debit card, which includes our Zero Liability policy that protects you from unauthorized purchases.

8. How are my privacy and personal information protected?

Since Apple Pay doesn't store your credit or debit card number on the device, you never reveal your name, card number or security code to merchants.

9. Am I able to opt out of Apple Pay at any time?

Adding your credit or debit cards to Apple Pay is your choice; you can add and remove cards when needed.

10. Which merchants are participating?

You can use Apple Pay at more than 220,000 locations, including Bloomingdale's®, McDonald's®, Macy's®, Nike®, Duane ReadeTM and Staples®.

11. Is Apple Pay free?

Yes. Be aware that message and data rates may apply, depending on your data plan.

12. Where can I get more information on Apple Pay?

More information is available at apple.com.

Navy Federal and Apple Pay

*Apple®, iPhone®, iSight®, Passbook®, iCloud and iTunes® are trademarks of Apple, Inc., registered in the U.S. and other countries. Apple Pay, Touch ID, iPad Air and iPad Mini 3 are trademarks of Apple, Inc. iTunes is for legal or rightholder-authorized copying only. Don't steal music.