Which UK Banks Directly Connect for RingPay NFC Payment Rings and Wearables?

Trust, security, and transparency at the heart of wearable payments in the UK

Contactless payments are no longer limited to cards and phones. With RingPay NFC payment rings and wearables, users can make fast, secure payments simply by tapping their ring at any contactless terminal.

For many customers, especially those prioritising trust, security, and regulated UK banking relationships, a key question is:

Which UK banks are directly connected to RingPay, and who can I trust with my money?

This guide explains how RingPay works with UK banks, which banks are supported, and why native bank connections and trusted partnerships matter when choosing an NFC payment wearable.

How RingPay Works with UK Banks

RingPay NFC rings and wearables are enabled through global card networks such as Visa and Mastercard. Your RingPay device is securely linked to your existing debit or credit card using bank‑grade tokenisation.

This means:

• Your actual card number is never stored on the ring

• Payments are processed through your bank’s existing contactless infrastructure

• You benefit from the same protections as card contactless payments

If your bank supports tokenised contactless payments via Visa or Mastercard, it is typically compatible with RingPay.

UK Banks Commonly Supported by RingPay

While RingPay works with many UK-issued Visa and Mastercard cards, it’s important to distinguish between native (direct) bank connections and standard card-network compatibility.

The Only Natively Connected UK Bank: Zempler Bank

At this time, Zempler Bank is the only UK bank that is natively and directly connected to RingPay.

This direct connection is delivered through Zempler Bank’s long‑standing partnership with Money Carer, RingPay’s parent company and a trusted UK financial services provider.

This native integration is more than just technical compatibility. It represents a relationship built on trust, regulation, and shared values, enabling:

• A direct UK bank-to-platform connection

• Enhanced oversight and governance

• A payment experience designed for reliability and transparency

• Confidence that funds and transactions remain within the UK banking ecosystem

UK High Street Banks: Direct Connection Status

Below is an overview of the UK’s main high‑street banks and their current connection status with RingPay NFC rings and wearables.

While cards from these banks may be usable with RingPay, they are not directly connected at bank platform level and require a Curve account to wearable payment activity.

What Does “Directly Connected” or “Natively Connected” Mean — and Why It Matters

When we refer to a bank as directly or natively connected to RingPay, this specifically means that the bank is connected via its own connectivity to the Fidesmo Pay platform, which underpins RingPay’s NFC payment technology.

In practical terms, a native connection means:

• The bank has an established, approved integration with the Fidesmo Pay platform

• RingPay can provision and manage payment credentials through this direct bank–platform link

• No intermediary consumer wallet or workaround is required

• Payments are processed within a trusted, regulated banking and tokenisation framework

There is no separate RingPay wallet holding customer funds. Transactions are authorised by the connected bank and flow through the same regulated infrastructure used for card payments.

This distinction matters for customers and partners who prioritise clarity, accountability, and trust — knowing exactly which bank is connected, how the connection works, and where responsibility sits.

Are All Cards from These Banks Supported?

Not always. Compatibility can depend on:

• Whether the card is Visa or Mastercard (some Maestro or legacy cards may not be supported)

• Individual bank security policies

• Card type (debit vs credit)

Before provisioning your ring, we recommend checking the RingPay app or onboarding flow, which will confirm compatibility instantly.

Security and Spending Limits

RingPay NFC rings follow standard UK contactless rules:

• Low‑value payments can be made without PIN entry (UK Contactless limits are currently being reviewed with changes occurring in March 2026)

• Periodic PIN verification is required via your physical card or phone

• Lost rings can be instantly frozen in the RingPay app

Your bank’s fraud monitoring and protections still apply.

What If My Bank Isn’t Listed?

If your bank isn’t listed above, it may still be supported. Many smaller UK banks and card issuers use the same Visa and Mastercard infrastructure.

RingPay is continuously expanding compatibility as banks roll out enhanced tokenisation support.

The Bottom Line: Trust Comes First

RingPay NFC rings and wearables are designed to combine innovation with trust-led financial partnerships.

While many UK-issued Visa and Mastercard cards may work with RingPay, Zempler Bank stands alone as the only UK bank natively connected to RingPay, through its partnership with Money Carer.

For customers, carers, and organisations looking for secure, transparent, and relationship-driven wearable payments, this native UK bank connection provides confidence — not just convenience.

For the latest compatibility updates or to learn more about our trusted banking partnerships, visit ringpay.com or contact the RingPay team.

Tap. Pay. Go — with trust, powered by RingPay.