Bank of Hawaii and Apple Pay logos

Welcome to the new way to pay

Pay with a single touch using Apple Pay®† on your iPhone®.
It's a snap to get started: add select Bank of Hawaii debit cards* and/or the Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® to Wallet to start using Apple Pay. See how it works

Don’t have a Bank of Hawaii debit card? Open a new account

An easier way to pay
Pay with a single touch in stores or in apps

A secure way to pay
Every transaction is authorized with Touch ID® or your passcode


*Available for consumer debit cards issued in the state of Hawaii

Apple Pay activation hours of operation: Monday - Friday 8am - 5pm (HST) &
Saturday - Sunday 7am - 4pm (HST)

iphone apple pay

Now available for select
Bank of Hawaii debit cards

Don’t have a Bank of Hawaii debit card? Open a new account


Now available for the Hawaiian Airlines®
Bank of Hawaii World Elite Mastercard®


The Hawaiian Airlines World Elite Mastercard is issued by Barclaycard pursuant to a license by Mastercard International Incorporated. World Elite Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

©2018 Barclays Bank Delaware (Barclaycard), Member FDIC.

How it works

Apple Pay: an easier way to pay
cards and mobile device

1. Add your card

Open the Wallet app or Settings > Wallet & Apple Pay to add your eligible cards. See instructions

mobile device over contactless reader

2. Pay at participating stores

Hold your iPhone near the contactless reader with your finger held on Touch ID.
Learn more

review transacations

3. Review your transactions

Log in to e-Bankoh mobile banking to view your account activity.



Apply Pay and contactless payment logos

Frequently asked questions

About Apple Pay

Use Apple Pay with iPhone to pay in stores without swiping your cards and in apps without entering payment and contact information. Just pay with a single touch of your finger using Touch ID.

With Apple Pay, instead of using your actual Bank of Hawaii Visa® consumer debit card number and/or Hawaiian Airlines® Bank of Hawaii World Elite MasterCard® number, when you add your card(s) a unique Device Account Number is assigned, encrypted and securely stored. And when you make a purchase, the Device Account Number alongside a transaction-specific dynamic security code is used to process your payment. So your actual card numbers are never shared by Apple® with merchants or transmitted with payments. In addition, paying with Apple Pay is private, as the cashier never sees your name, card numbers or security codes.

1. What is Apple Pay?
Apple Pay is a service that will allow you to pay for your purchases with your iPhone at participating merchants by holding your iPhone near a contactless reader. You’ll also be able to pay through certain apps.

2. Which Bank of Hawaii cards are eligible for Apple Pay?
The following Bank of Hawaii consumer debit cards issued for accounts domiciled in the state of Hawaii are eligible for use:
Bank of Hawaii Visa Debit Card
Bankoh Hawaiian Airlines® Visa Debit Card
EASE by Bank of Hawaii Visa Debit Card
Bank of Hawaii Black Visa Debit Card
the Hawaiian Airlines® Bank of Hawaii World Elite MasterCard®.

3. What are the advantages of paying with my card using Apple Pay?
There are several advantages to using Apple Pay. When you use Apple Pay, your Bank of Hawaii card number won’t be stored on your phone or given to the merchant. A unique digital code will be created specifically for that device.

4. How will my privacy and personal information be protected?
Since Apple Pay won’t store your debit or credit card ® number on the device, your name, card number and security code are not revealed to merchants.

5. Which devices will have access to Apple Pay?
Apple Pay will require an iPhone or Apple Watch® to work at participating stores. You may also use the iPhone, iPad®, and Apple Watch to make in-app purchases. While Apple is one of the first to make use of digital account numbers to enable secure mobile payments, digital account numbers may become available on additional connected devices in the future.

6. How do I add my Bank of Hawaii debit card and/or Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® to Apple Pay?
The Wallet app stores your debit card and/or credit card for use with Apple Pay. Wallet already stores boarding passes, tickets, coupons, and now it can store your debit card and/or credit card information as well. If the card you’d like to use with Apple Pay is already on file in iTunes, you can quickly add it to Wallet by opening Wallet and entering the three digit card security code from the back of your card.

To add a new card into Wallet, go into Settings, open Wallet & Apple Pay, and select “Add Credit or Debit Card.” On the iPhone, you can also open the Wallet app directly and tap the plus (+) sign. From there, you may use your phone’s camera to instantly capture your applicable card information or follow the instructions to add your card data manually. The card you had stored in iTunes is your default payment card, but you have the option of switching it to another debit card or credit card in Settings.

Once your card is loaded successfully, a card image similar to your actual card will appear in Wallet along with a message saying that your card is ready for Apple Pay. You'll also receive a confirmation enrollment email.

For more information on how to set up and use Apple Pay, visit Apple Support.

7. How can I change my default card to my Bank of Hawaii debit card or Hawaiian Airlines® Bank of Hawaii World Elite Mastercard®?
The first card you add to Wallet automatically becomes your default card. This is the card that will appear when you use Apple Pay at a contactless payment reader when checking out. To change your default card to your Bank of Hawaii debit card or your Hawaiian Airlines® Bank of Hawaii World Elite MasterCard®: (1) go to Settings, (2) select Wallet & Apple Pay, (3) tap your desired default card. To change your default card to your Bank of Hawaii debit card or Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® right before making a purchase, follow these instructions. As you hold your Apple Pay device over the contactless payment terminal, your default card will be displayed at the top of the screen and your other cards will appear stacked at the bottom. If you would like to use your Bank of Hawaii debit card or Hawaiian Airlines® Bank of Hawaii World Elite Mastercard® as your default card to make the purchase, simply tap on the stack of cards at the bottom of the screen to view your other cards. Then select your desired card for payment, and use your fingerprint or passcode to complete the purchase. If your card does not appear in the stack of cards, it means the card has not yet been loaded to Wallet.

8. How do I remove a card from Apple Pay?
To remove a card from Apple Pay, simply select the card in Wallet and click on the Wallet info icon in the bottom corner to view the back of the card. Scroll to the bottom to find the “remove card” option. After deleting, you can re-add this card to Apple Pay at any time.

9. How does the transaction process work?
To initiate an in-store transaction using Apple Pay, hold your iPhone about an inch from the merchant’s contactless reader. The digital account information stored on the device will be transmitted directly to the contactless reader. To complete the transaction, gently press your finger against the Touch ID fingerprint scanner on your iPhone. Your fingerprint is used to make sure that you are authorized to complete the transaction. Apple Pay can also be used for in-app purchases on the iPhone, iPad, and Apple Watch. Again, you use the fingerprint scanner on your device to verify your purchase.

10. Do I need to be connected to the internet?
For in-store contactless payments, you do not need to be connected to the internet.

11. Will I be able to opt out of Apple Pay at any time?
Adding your debit cards or credit cards to Apple Pay is your choice; you can add or remove any of your cards when needed. You should always remove your card(s) before allowing someone else to use your iPhone.

12. Where can I use Apple Pay?
You can use Apple Pay at any location where you see payment terminals with either of these logos:

contactless payment logos

13. What if my Apple device is lost or stolen?
If your Apple device is lost or stolen, use “Find My Apple Device” on another supported device to quickly suspend or remove your digital account numbers from the respective device.

14. If I sell or give my Apple device to someone else, what will happen to the digital account information in the device?
When selling or giving away your iPhone, iPad, or Apple Watch, be sure to delete all digital accounts in Apple Pay. Alternatively, you may reset your phone to factory settings, which will also remove all digital accounts.

If I lose my Apple device and if someone starts using it to make purchases, am I liable for those purchases?
Whether you use a digital account number or a physical card, you are protected against fraudulent transactions.

16. Where can I get more information on Apple Pay?
More information is available on

Terms & Conditions
Apple, the Apple logo, iPhone, iTunes, iPad, and Wallet are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, Apple Watch, Touch ID, and iPad are trademarks of Apple Inc.
† For a list of compatible Apple Pay devices, visit
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