With the introduction of Apple Pay in the last four NLB Group banks in North Macedonia, Kosovo, and Bosnia and Herzegovina, all NLB clients across Southeast Europe now have access to Apple Pay. This milestone reflects both our drive for innovation and NLB Group’s deep commitment to the region.
This is more than just about technology. It’s about access, inclusion, and trust. We’re delivering what matters most to our clients: simplicity, security, and speed in everyday payments. This is what it means to be a frontrunner – to bring innovative payment solutions to the people of our region and to contribute to a better quality of life. This launch is the result of cross-border collaboration, shared vision, and tireless effort. It reflects our ambition to be the leading and most innovative financial group in Southeast Europe.
NLB d.d. introduced Apple Pay to its customers already in February 2024, followed by NLB Banka, Podgorica in April 2024 and NLB Komercijalna Banka, Beograd in February 2025.
Apple Pay is a mobile payment system that makes it easy to use your Apple devices to pay in stores, apps, and on the web.
Customers simply hold their iPhone or Apple Watch near a payment terminal to make a contactless payment. Every Apple Pay purchase is secure because it is authenticated with Face ID, Touch ID, or device passcode, as well as a one-time unique dynamic security code. Apple Pay is accepted in grocery stores, pharmacies, taxis, restaurants, coffee shops, retail stores, and many more places. Customers can also use Apple Pay on iPhone, iPad, and Mac to make faster and more convenient purchases in apps or on the web in web browser Safari without having to create accounts or repeatedly type in shipping and billing information. Apple Pay makes it easier to pay for food and grocery deliveries, online shopping, transportation, and parking, among other things. Apple Pay can also be used to make payments in apps on Apple Watch.
Security and privacy are at the core of Apple Pay as well as NLB. When customers use a credit or debit card with Apple Pay, the actual card numbers are not stored on the device, nor on Apple servers. Instead, a unique Device Account Number is assigned, encrypted, and securely stored in the Secure Element, an industry-standard, certified chip designed to store the payment information safely on the device.
Apple Pay is easy to set up. On iPhone, simply open the Wallet app, tap +, and follow the steps to add NLB’s credit or debit cards. Once a customer adds a card to iPhone, Apple Watch, iPad, and Mac, they can start using Apple Pay on that device right away. The features of NLB cards remain the same, among others customers will continue to receive all of the rewards and benefits offered by NLB’s cards.
For more information on Apple Pay, visit web page.
NLB Communications
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