What is Samsung Pay?

Samsung Pay allows you to make quick, easy and secure payments using your eligible Nationwide credit and debit cards via compatible Samsung devices and contactless payment technology. Samsung Pay doesn't currently allow you to make in-app purchases. 

Your personal information, transaction data, credit and debit card information is protected by industry-leading security.

Samsung Pay transactions have no limit, however some merchants only accept payments up to £30 via Samsung Pay (in line with the contactless limit).

To help you keep track of your spending you can register for Internet Banking and download our banking app. You could also register for our free text alerts service to help you manage your money more easily.

Which Nationwide cards are eligible?

All Nationwide debit cards and credit cards are eligible, with the exception of the FlexOne cash card. You can upload multiple cards to your device and can easily switch between these cards within the Samsung Pay app.

How does Samsung pay work?

Once your card is added to your device:

In store

You simply swipe up from the bottom of the screen, hold your device up to the contactless terminal, authorise the payment using your fingerprint, device PIN, password or pattern and the payment is made instantly.

If you have a Galaxy S8 or higher then you can also set up Iris Scanner on your device to authorise a payment.

How secure is the service?

  • All payments require the device to have been unlocked using authentication from the account holder via the fingerprint sensor, device PIN, password, pattern or Iris Scanning (for compatible devices) for each transaction.
  • Your card number and identity isn’t shared with the merchant and your actual card numbers aren’t stored on your device or Samsung’s servers.
  • Your personal information, transaction data and card information is protected by industry-leading security, and if your card is lost or stolen, and you’re a genuine victim of fraud, you’re protected against fraud loss – provided you contact us as soon as reasonably possible and in any event no later than 13 months from the date the transaction debited your account.

What if I lose my card or it's stolen

With Samsung Pay, you'll always have access to your money. So, if you should lose your card or have it stolen, you can continue to use Samsung Pay to make payments whilst you're waiting for your replacement card. For more information see Frequently asked questions.

Getting started

What do I need to use Samsung Pay on my phone/device?

Samsung Pay is available on a wide range of mobile devices.

  • Saumsung Pay will work with any Samsung device from the S6 to the latest model. You'll need Android Lollipop 6.0 or Nougat 7.0 or the latest operating system installed.
  • To get Samsung Pay, search for the app in the Samsung Galaxy App Store from your compatible device.

You will also need:

  • PIN, password, or fingerprint set up on your device. If you've a Galaxy S8 or higher, then you can also set up an Iris Scanner on your device.
  • A Samsung account.
  • An eligible Nationwide credit or debit card.
  • An up-to-date email address and mobile phone number, recorded on your Nationwide account.

    You can update your email address and mobile number by logging into the internet bank. You'll need your card reader and customer number to log in.

How do I add a card to my device?

  1. If you have multiple Samsung Accounts in Samsung Pay: At the top left of the app, touch your name then choose the account you want to add the card to.
  2. At the bottom right tap '+'
  3. Tap 'Add credit or debit card'
  4. Use the camera to read the card or enter card details
  5. Enter the 3-digit security number on the back of your card
  6. Read and accept the terms and conditions
  7. Choose verification method (to receive the 6-digit verification code by text or email)*
  8. Enter the 6-digit verification code you receive when prompted
  9. Set up is complete.

The first card you add to Samsung Pay becomes your default payment card. This is the card that'll be charged when you pay with your phone. The first card you added will remain your default card unless you change it.

*You also have the option to call our Digital Payments Team, who can verify you and activate the service. There’s a number displayed in the app for this at the verification options stage. However, if your contact details are up-to-date, you shouldn't need to do this.

How do I make a payment?


  1. For all payments simply swipe upwards on the device and authenticate the transaction using a fingerprint or PIN. For certain compatible devices, Iris Scanner can be used to authorise payments.
  2. A notification will come up on your device confirming payment.


Samsung Pay cannot be used to make in-app purchases at this time.

How does Samsung Pay differ to contactless payments?

Samsung Pay uses your Samsung device to make contactless transactions, so you don't need a contactless enabled debit or credit card to use the service.

Contactless payments using an enabled debit or credit card are subject to a limit per transaction, which is currently set at up to £30 in the UK.

Samsung Pay contactless transactions using your Samsung device have no such limit. This is because you authorise Samsung Pay payments over £30 using the fingerprint sensor, your PIN, password or pattern or your iris, increasing the security over standard contactless transactions. However, merchants may have a limit set on their terminal, and you must have the available balance and credit limit to make the payment.

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Samsung and Samsung Pay are trade marks or registered trade marks of Samsung Electronics Co., Ltd. Use only in accordance with the law. Samsung Pay is available on select Samsung devices.

Frequently asked questions