Co-operative Bank account holders can now use Samsung Pay to make payments using their mobile phones.
The Co-op becomes the sixth major banking institution in the UK to join the Korean giant’s digital wallet scheme.
How it works
Your bank cards and all their relevant details, like the three-digit CSV number on the back of a card, are stored in a virtual ‘wallet’ on your phone.
When it comes to paying in a shop, pub or exotic pet store, you pull out your phone, swipe up from the bottom edge of the screen to bring up the last used credit or debit card and tap it against the payment device just like you would with a contactless card.
The phone processes the transaction and the right amount is deducted from your bank account.
You can use Samsung Pay anywhere that you can use a contactless card, in any of the thousands of shops across the country.
It’s good news for those who worry about pulling out their phone to pay for petrol, say, only for the person behind the counter to look quizzically at them as if they were some kind of awful hipster.
Samsung Pay also has wide support across UK banks.
Full Guide: Everything you need to know about Samsung Pay
Visa and Mastercard both support the digital wallet, and people using five other banks and building societies can also get the service: M&S, HSBC, Nationwide, MNBA and Santander.
The payment service is not currently as widely supported as Google’s Android Pay, which has links with a number of the largest brands in UK banking, including the Royal Bank of Scotland, Natwest and Lloyds.
You may have guessed from the name, but it’s also only available on Samsung phones, unlike Android Pay which can be used on any HTC, LG, Nokia, Samsung or other device running with an Android operating system.
Android Pay: Everything you need to know
Which phones will work with Samsung Pay?
Samsung Pay is available on the latest Samsung phones from the Galaxy series.
It begins with the S6 and S6 Edge and newer, including S6 Edge+, S7 and S7 Edge, S8 and S8+, the Galaxy Note8 phablet, and Samsung’s two cheaper Galaxy variants, the A3 2017 and A5 2017.
The Samsung Gear S3 smartwatch can also use Samsung Pay when paired with one of the smartphones above, running Android 4.4 KitKat or newer.