Virtual card (in your digital wallet)
Yes – if you’re eligible, you can use your Zable virtual card for contactless straight away by adding it to Apple Pay or Google Pay and paying with your phone or watch. You don’t need to wait for the physical card to arrive.
Physical card (the plastic card we post to you)
Once your physical card arrives and is activated, you’ll need to:
1. Make one chip‑and‑PIN purchase or an ATM balance check with your PIN.
2. After that first PIN transaction, contactless on the physical card will work for future in‑store payments.