Complete guide to Apple Pay in Kosovo 2025. Learn how to add NLB and Raiffeisen Bank cards to your iPhone for seamless mobile payments.
## Intro
Apple Pay is now live in Kosovo — officially confirmed on **July 29, 2025** by the Central Bank. NLB Banka was the first to roll out support. As of **October 3, 2025**, Raiffeisen Bank Visa debit and credit cards can also be added to Apple Wallet (confirmed through direct setup).
At **Tymos**, we track these fintech shifts not just as consumer perks, but as signs of Kosovo’s digital transformation.
## Supported Banks in Kosovo
**NLB Bank** — since July 29, 2025 (Visa debit & credit)
**Raiffeisen Bank** — since October 3, 2025 (Visa debit & credit, personal & business)
Mastercard support still pending at both banks
## Why It Matters
Apple Pay’s arrival is bigger than just tapping your phone:
**Security** → tokenization + Face ID/Touch ID
**Adoption**→ faster checkout in cafés, retail, and taxis already using contactless POS
**Ecosystem growth** → puts Kosovo on par with neighbors in digital payment infrastructure
Apple Pay is officially available in Kosovo as of July 29, 2025.
Setup also works on **Apple Watch, iPad, and Mac** — once added on iPhone, the card syncs automatically via iCloud.
For citizens, this is about secure, seamless everyday payments. For merchants, it’s about readiness and trust. Apple Pay’s rollout shows that Kosovo is aligning with global fintech standards.
At Tymos, we’ll continue tracking how Apple Pay, Google Pay, and other fintech tools transform the way Kosovo pays and builds.