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Apple Watch payments

Learn about Apple Watch payments, plus find an answer to a payment problem.

How we display your Active Reward points

To help improve your experience of earning Active Reward points for your Apple Watch, we’re changing the way we display your Active Reward points on the Vitality Member app.

Previously, we showed you the higher of the points you earned in a calendar month, and the amount of points you earned over a 4-week period, up to the last Sunday in a month.

From 28 November 2018, we’ll now always display the amount of Active Reward points you’ve earned in a calendar month.

We’ll continue to calculate the amount of points you earn in the 4-week period as well, and if you earn more points in the 4-week period than in a calendar month, the larger total will be used to determine your repayment. However, we will not display this total, as our members told us it’s confusing.

When we make this change, you may see a one-off reduction in the number of points shown on the Vitality Member app or Member Zone if you currently have more points on the 4-week calculation than the calendar month view. Please be assured that this will not impact your repayment in any way.

Apple Watch Direct Debit with Vitality explained

When you order an Apple Watch with Vitality, you set up a monthly Direct Debit with PayBreak Limited  for 24 months and your monthly payments may vary. This will depend on how many Vitality activity points you earn each month and how much Vitality contribution you’ll receive towards your Direct Debit payments. 



Who do I speak to about my Apple Watch payments?

PayBreak Limited is responsible for taking your Direct Debit payments for Apple Watch.

If you have any queries or questions about your Direct Debit payments, you can sign in to your afforditNOW account to view your balance and payment history or visit their website for contact information.

Sign in to afforditNOW

Apple Watch payments and Vitality activity points

Apple Watch Series 4 starts at £399. 

VitalityHealth members will make an initial upfront payment from £99 followed by 24 monthly payments of between £0 and £12.50. The upfront payment will vary depending on the model they choose, but the monthly payments are still between £0 and £12.50.

VitalityLife/VitalityInvest members will make an initial upfront payment from £159 followed by 24 monthly payments of between £0 and £10. The upfront payment will vary depending on the model they choose, but the monthly payments are still between £0 and £10.

Apple Watch Series 3 starts at £279. 

VitalityHealth members will make an initial upfront payment from £9 followed by 24 monthly payments of between £0 and £11.25. The upfront payment will vary depending on the model they choose, but the monthly payments are still between £0 and £11.25.

VitalityLife/VitalityInvest members will make an initial upfront payment from £69 followed by 24 monthly payments of between £0 and £8.75. The upfront payment will vary depending on the model they choose, but the monthly payments are still between £0 and £8.75.

Upfront payments and monthly contributions differ for members who have previously taken out the Apple Watch offer with Vitality. Please visit Member Zone for more details.

To fully fund the balance of your Apple Watch, earn 160 Vitality activity points every month and stay with us for the entire loan period. Take a look at all the ways you can earn Vitality activity points.

 Apple Watch Series 4 activity points and payments guide

Apple Watch Series 3 activity points and payments guide

Here’s an example 

Based on a VitalityHealth member with an Apple Watch Series 4 40mm Silver aluminium model with sport band.
Total price Initial upfront payment Your activity Monthly Direct Debit payment Balance paid Total saving
£399 £99 160 activity points per month for 24 months £0 £0 (0% APR, variable Direct Debit for 24 months) £300
£399 £99 80 activity points per month for 24 months £7.50 £180 (0% APR, variable Direct Debit for 24 months) £120

Based on a VitalityLife/VitalityInvest member with an Apple Watch Series 4 40mm aluminium model with sport band.

Total price Initial upfront payment Your activity Monthly Direct Debit payment Balance paid Total saving
£399 £159 160 activity points per month for 24 months £0 £0 (0% APR, variable Direct Debit for 24 months) £240
£399 £159 80 activity points per month for 24 months £6 £144 (0% APR, variable Direct Debit for 24 months) £96

Apple Watch payment FAQs

When will my first Direct Debit be taken for my Apple Watch?

As monthly payments for Apple Watch with Vitality are dependent on how many Vitality activity points you earn each month, you will start with a “payment holiday” from the date you purchased your Apple Watch until the end of one full calendar month.

In the second calendar month, you’ll start earning Vitality activity points towards your first payment.

Your first Direct Debit payment will then be taken at the end of the third calendar month.

Here’s an illustrative example:

  • 15th April – order your Apple Watch
  • Rest of April plus May – payment holiday
  • June – first month earning Vitality activity points
  • 1st August – first Direct Debit payment
How can I earn 160 Vitality activity points in a short month like February?

You don’t need to worry, because we’ll count all the activity points for the last four full weeks.

However, if you’re tracking multiple activities a day (i.e. both steps and heart rate workouts), the Vitality Member app will only reward activity points for the ONE daily activity with the highest points earned.

How can I check my Vitality activity points towards my payments for Apple Watch?

Once you’ve started earning Vitality activity points, towards your Apple Watch reward, you’ll be able to check them in the Vitality Member app and in Member Zone online.

You can view your Vitality points statement from the Vitality Member app by tapping on ‘My Weekly Activity’ and then ‘View Plan Points Statement’.

In Member Zone online, simply log in and navigate to ‘Partners and rewards’, click on Apple Watch and your progress so far will be shown in the right hand sidebar.

To view a detailed breakdown of your Vitality activity points, you can navigate to your Vitality points plan statement from the right hand sidebar of the homepage in Member Zone.

How do I query my Vitality activity points towards my Apple Watch payments?

If you’ve checked your Vitality points statement and you believe there has been an error, please send us a secure message within Member Zone and we will investigate for you.

To send us a secure message, navigate to your Vitality points plan statement from the right hand sidebar of the homepage in Member Zone, scroll down to the bottom of the page and click ‘Query points’.

Please note: If you’re tracking multiple activities a day (i.e. both steps and heart rate workouts), the Vitality Member app will only reward activity points for the ONE daily activity with the highest points earned.

What is the Vitality contribution to Apple Watch payments?

For the Apple Watch Series 4 new VitalityHealth members will set up a variable Direct Debit for up to £12.50 each month for 24 months and new VitalityLife and VitalityInvest members will set up a variable Direct Debit for up to £10 each month for 24 months.

Upfront payments and monthly contributions differ for members who have previously taken out the Apple Watch offer with Vitality. Please visit Member Zone for more details.

Vitality offers you the opportunity to earn Vitality activity points to reduce your contribution to £0 a month.

The Vitality contribution therefore refers to the payment made towards your monthly Direct Debit with PayBreak Limited, which is earned from your Vitality activity points.

You can view the Vitality contribution to your Apple Watch payments in the ‘Partners and rewards’ section of Member Zone, or in the Apple Watch area of the Vitality Member app.

Let’s take an example:

  • The maximum monthly payment for a VitalityHealth member for Apple Watch is £12.50
  • If the VitalityHealth member has earned 100 Vitality activity points in the month, they will pay £7.50
  • The Vitality contribution is therefore £5.00 (the balance)

To reduce your Apple Watch monthly payment to £0, the Vitality contribution would need to be £12.50 if you’re a VitalityHealth member and £10 if you’re a VitalityLife/VitalityInvest member, based on you earning 160 Vitality activity points in the month.

Please note: Your first Direct Debit payment will be taken a month after your activity month, e.g. if you earned 160 Vitality activity points in February, your Vitality contribution is £12.50 and your Direct Debit from PayBreak Limited will be £0 on 1st April.

When do I have to sync my Vitality activity points by for Vitality contributions towards my Apple Watch payments?

You’ll need to sync your Vitality activity points by the 5th of every month for us to calculate your Vitality contribution towards your Apple Watch payments.

We recommend that you sync your activity to the Vitality Member app once per day and don’t leave it longer than 14 days.

Can I use another Apple Watch or tracking device to earn Vitality activity points towards my Apple Watch payments?
Yes. Any eligible device or app that is linked to your personal Vitality account can earn Vitality activity points to help track activity and contribute to Apple Watch payments.
What happens if I cancel my plan or I leave my company scheme?

If you cancel your plan or leave your company scheme, your credit loan agreement for your Apple Watch will continue with PayBreak Limited.

As you won’t be earning Vitality activity points, your monthly Direct Debit payments will switch to the maximum amount of £12.50 per month for the remaining period of your credit loan agreement.

Will my Vitality activity points earned count towards any other Apple Watch on my Vitality account?

No, only Vitality activity points tracked on your Apple Watch will count towards your Apple Watch payments.

Each member with an Apple Watch on your Vitality account will need to track their own Vitality activity points to contribute to their Apple Watch payments.

Do I need to complete an online Health Review in the second year of my plan to keep earning Vitality activity points towards my Apple Watch payments?
No, as long as you complete an online Health Review in the first year, you’ll continue to be eligible for Vitality activity points towards your Apple Watch payments in the second year.

Important information

Apple Watch Series 4

Offer applies to selected Apple Watch Series 4 and Apple Watch Nike+ Series 4 40mm or 44mm models only. Offer only available to members aged 18 or over. Not available in the Channel Islands. Eligibility for this offer is subject to financial circumstances and status. Upon a successful credit check you'll need to make an initial upfront payment which will vary depending on the model you choose to a maximum of £189. The maximum RRP of Apple Watch under this offer is £429.00.

For VitalityHealth, you'll need to agree to a consumer credit agreement (0% APR) and set up a variable Direct Debit for 24 months. Your monthly payment will depend on tracking your level of activity in the previous month and could be between £0 and £12.50.

For VitalityLife or VitalityInvest, you'll need to agree to a consumer credit agreement (0% APR) and set up a variable Direct Debit for 24 months. Your monthly payment will depend on tracking your level of activity in the previous month and could be between £0 and £10.00. 

Apple Watch Series 3

Offer applies to selected Apple Watch Series 3 and Apple Watch Nike+ Series 3 GPS 38mm or 42mm models only. Offer only available to members aged 18 or over. Not available in the Channel Islands. Eligibility for this offer is subject to financial circumstances and status. Upon a successful credit check you'll need to make an initial upfront payment which will vary depending on the model you choose to a maximum of £99. The maximum RRP of Apple Watch under this offer is £309. 

For VitalityHealth, you'll need to agree to a consumer credit agreement (0% APR) and set up a variable Direct Debit for 24 months. Your monthly payment will depend on tracking your level of activity in the previous month and could be between £0 and £11.25. 

For VitalityLife or VitalityInvest, you'll need to agree to a consumer credit agreement (0% APR) and set up a variable Direct Debit for 24 months. Your monthly payment will depend on tracking your level of activity in the previous month and could be between £0 and £8.75. 

Apple Watch Series 3 and Apple Watch Series 4:

Upfront payments and monthly contributions differ for members who have previously taken out the Apple Watch offer with Vitality. Please visit Member Zone for more details.

If you are unable to maintain your payments the lender reserves the right to cancel your credit agreement. If you cancel your Vitality plan and have not completed your payments under the credit agreement, your credit agreement with the lender will continue under the terms of that agreement. VitalityHealth, VitalityLife and VitalityInvest are trading names of Vitality Corporate Services Limited, who for the purposes of this offer are acting as a credit broker only and not a lender. afforditNOW is a suite of lending products offered by PayBreak Limited, the exclusive lender. Vitality Corporate Services Limited is authorised and regulated by the Financial Conduct Authority. Registered office at 3 More London Riverside, London, SE1 2AQ. Further terms and conditions apply. PayBreak Limited is authorised and regulated by the Financial Conduct Authority. Registered offices at Grosvenor House, 20 Barrington Road, Altrincham, WA14 1HB.

Minimum premium and terms and conditions apply. Please visit Member Zone for more details.

Details correct as of May 2019. View the full terms and conditions