3. Apple Pay transactions stay between you and your bank

Apple is keen to highlight that they will not be mining your shopping history for data and your bank details are not stored on your device. After scanning your card, the in-built Passbook app sends an encrypted message to your bank to check its legitimacy. Once approved, your bank assigns a special device account number to your iPhone, iPad or Apple Watch which Apple can’t decrypt. While Apple facilitates the payments via this device account number, the transaction details are kept between you, your bank and the retailer.

4. It’s not just small change purchases

While existing contactless payments are currently limited to £20 per transaction (rising to £30 in September), some retailers have done away with spending limits for Apple Pay, such as Pret A Manger – meaning you can treat everyone in your office to a Love Bar on your next Pret run.

5. Apple Pay will change your commute forever
One of the biggest companies to join the UK Apple Pay revolution is Transport for London (TfL), meaning you can now waltz through the tube gates by placing your finger on the Touch ID/home button of your phone or double-clicking the side button of your Apple Watch then placing the device over the Oyster card reader. Which means scrabbling for your Oyster or contactless card in your wallet while trying to ignore the annoyed mutterings of the crowd behind you will soon be a thing of the past. Anything that makes the commute easier is a win in our books…

Five things you need to know about Apple Pay