A new claim alleges Apple Pay practices increased costs for millions of UK consumers, including those who never used Apple Pay.
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Overview
A collective legal action has been launched against Apple over the way Apple Pay operates in the UK.
The claim argues that Apple’s control of tap-and-go payment technology limits competition and leaves banks and card providers with little choice but to accept Apple’s terms and fees. There is no equivalent fee imposed on transactions made through Android’s mobile wallet.
It is alleged that these costs were not absorbed by banks, but passed on more widely through higher charges on everyday banking and financial products.
This means anyone who used a current account, debit/credit card, or other banking product in the UK since 22 January 2020 may have been affected. Including people who never used Apple Pay or owned an iPhone.
This is an opt-out claim. That means the case is being brought on behalf of everyone who meets the eligibility criteria — for example, people who used certain banking products in the UK during the relevant time period.
If you meet that criteria, you are automatically part of the case. You don’t need to take any action for the claim to be brought on your behalf. If the claim succeeds, compensation would be shared among eligible users, although you may need to register to get your share.
If successful, this case could lead to compensation for up to 50 million people in the UK. Are you one of them? Check your eligibility and we’ll signpost you to the official claim site.
Apple Pay claim – At a glance
What do we know about the Apple Pay claim?
How it works
Answer a few simple questions to see if you could be included as part of the group claim.
Join the Claim will keep you up to date with any news or further information about the claim.
We will share details of the official claim website, so you can formally register your details.
Latest updates on the Apple Pay claim
February 2026
Join the Claim begins raising public awareness so affected consumers understand what the claim is about, who may be included and how opt-out collective actions work. No compensation decisions have been made at this point.
January 2026
A collective legal action against Apple was filed in the Competition Appeal Tribunal.
We’ll provide more updates on this claim as they occur.
Could you be due compensation in the Apple Pay claim?
Find out if you meet the criteria for this group claim and potentially get a share of any compensation. It only takes a few minutes.
FAQs about the Apple Pay claim
This collective legal action alleges that Apple restricted competition through the way Apple Pay operates on iPhones. The claim argues that Apple’s fees were passed on through higher charges across everyday banking and financial products used by UK consumers.
You may be included if you used a current account, debit card, credit card, or other personal banking or financial product in the UK since 22 January 2020. This can apply even if you never used Apple Pay or owned an iPhone.
This is an opt-out claim. This means you are automatically included in the group action, and could be due compensation, unless you say you don’t want to take part. A court-approved class representative brings the claim on behalf of the whole group, and specialist lawyers run the case in the interests of everyone included. Individual consumers are not assessed or contacted at this stage. Nevertheless, affected individuals will likely need to register to receive compensation when the claims site opens.
Not necessarily. If the claim is successful, the court will approve a process for sharing compensation. Eligible consumers usually need to register at that stage to receive their share.
There is no set amount yet. Any compensation would depend on the outcome of the case, how the court orders damages to be calculated, and how many eligible people come forward to claim.
A group action claim allows people affected by the same issue to take action together. This strength in numbers helps stand up to big organisations. Join the Claim helps connect people with law firms so these actions have a real impact.
No. Join the Claim is not a law firm. We explain what the ruling means, help you understand eligibility and signpost you to the official site.
Opt-out claims work differently to other types of legal action. If you are eligible, you are automatically included in the case unless you choose to opt out. There are no costs to be included in an opt-out claim. If the claim succeeds, deductions (if any) would be explained by the law firm responsible for distributing compensation.
Yes. If you prefer to pursue your own separate legal action, you will have the option to opt out if the claim is approved to proceed. Details would be published at the appropriate stage.
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Join the Claim is not a law firm. We connect individuals with top law firms for group action claims, and our service is free to use. While we may receive a fee from the law firms we introduce you to, this will not affect your costs or compensation. We are not responsible for the advice or services provided by these firms. Please note, nothing on this website is legal advice, and while we check claim eligibility, we cannot guarantee a law firm will accept a case.
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