The UK Bank Cards That You Can Link Your Payment Ring To

Contactless payment rings are quickly becoming one of the most convenient ways to pay in the UK. With a simple tap of your hand, you can pay securely without reaching for your phone or wallet. At the centre of this growing trend is RingPay, a UK-based wearable payments service that allows users to link their payment rings to existing bank cards using secure, regulated tokenisation platforms.

However, not all UK banks are currently connected in the same way. Here’s a clear breakdown of which banks work directly, which don’t (yet), and how almost anyone in the UK can still use a RingPay payment ring today.

The Key Technology Behind Payment Rings

Payment rings rely on tokenisation platforms to work with Visa and Mastercard networks. In the UK and Europe, the two most important platforms enabling wearable payments are:

• Fidesmo

• Digisec

These platforms securely tokenise your card details and load them onto NFC-enabled wearables like payment rings.

The Only UK Bank Directly Connected: Zempler Bank

At present, Zempler Bank is the only fully regulated UK bank that is directly connected to both the Fidesmo and Digisec tokenisation platforms.

This is made possible through Zempler Bank’s partnership with Money Carers’ RingPay wearable payments service, which powers RingPay.com in the UK.

Why This Matters

• Direct integration means no intermediaries

• Faster and smoother card provisioning

• Fully regulated UK banking infrastructure

• Designed specifically for wearable payments

For UK customers who want the most seamless and future-proof payment ring experience, Zempler Bank via RingPay.com currently offers the most direct solution available.

Other Major UK Banks (Not Yet Directly Connected)

Most well-known UK banks are not yet directly connected to Fidesmo or Digisec for payment ring tokenisation. These include:

• Barclays

• HSBC

• Lloyds Bank

• NatWest

• Santander

• Nationwide

• Monzo

• Starling Bank

• TSB

This doesn’t mean customers of these banks can’t use a payment ring—it simply means they need an additional step.

How Curve Makes Payment Rings Work for Almost Everyone

This is where Curve comes in.

Curve is a non-bank financial institution that acts as a smart wallet, allowing you to link multiple debit and credit cards into one Curve account. Importantly:

• Curve is directly connected to both Fidesmo and Digisec

• Curve works with most UK-issued Visa and Mastercard cards

• A free Curve account is available

How Curve Works with RingPay

1. Open a free Curve account

2. Add your existing bank card (e.g. Barclays, HSBC, Monzo, etc.) to Curve

3. Link your Curve card to your RingPay payment ring

4. Pay as normal—Curve routes the payment to your chosen bank card

From the retailer’s perspective, it’s a normal contactless card transaction. From your perspective, it’s a tap of your ring.

Reinforcing the Difference: Direct Bank vs Aggregator

It’s important to be clear:

• Zempler Bank

  • Fully regulated UK bank

  • Directly connected to Fidesmo and Digisec

  • Integrated through Money Carers’ RingPay service

• Curve

  • Not a bank

  • Acts as an intermediary

  • Enables compatibility with most UK banks

Both options work—but Zempler Bank is currently the only UK bank with a direct, end-to-end banking and wearable payments integration.

Why RingPay Is Leading the Way

RingPay.com combines:

• Secure NFC payment rings

• UK-based wearable payments expertise

• Direct bank integration through Zempler Bank

• Broad compatibility via Curve for everyone else

Whether you want the most direct banking connection available today or you prefer to keep using your existing bank via Curve, RingPay.com offers a practical, secure, and future-ready solution for contactless wearable payments in the UK.

The Bottom Line

• Zempler Bank, in partnership with Money Carers’ RingPay service, is the only UK bank directly connected to both Fidesmo and Digisec at present.

• Most other UK banks are not yet directly connected

• Curve bridges the gap, allowing almost any UK debit or credit card to be used with a payment ring

• RingPay.com brings it all together in one simple wearable payments experience

As wearable payments continue to grow, RingPay.com is already setting the standard for how UK consumers can pay—securely, seamlessly, and stylishly—with just a tap of their hand.