Martin Lewis on whether using Apple Pay is more secure than cash or card

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Consumer expert Martin Lewis has revealed his thoughts on whether using Apple Pay and is a more secure method than using cash or card.

Appearing on BBC 5 Live, the 47-year-old was asked by a viewer whether using Apple Pay is really as secure as we think it is.

Responding to the query, he said: “Secure is an interesting question and I wouldn’t pretend to be a fraud security expert.”

“If you pay on a contactless card, it is limited to £30. If you use mobile transactions, such as Apple Pay, it is actually uncapped and there is no limit to the size of your transaction although it can be capped by individual retailers.

“Because of that you could argue, if someone were to access your Apple Pay it is less secure as there is a bigger risk.”

However, Martin did flag that the security of Apple Pay has more to do with the technological security of the shopper, rather than the payment method itself.

He said: “This is all about technological security. As long as you’re doing everything right you should be protected.

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“There have been problems with contactless cards when payments that shouldn’t happen have been taken off them, but there are problems with all types of payment systems.

“There is fraudulent and fake cash that goes out. In general, I don’t have a problem with using either Apple Pay or contactless.”

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