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Apple Watch payments

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

Apple Watch Direct Debit with Vitality explained

When you order an Apple Watch with Vitality, you set up a monthly Direct Debit with etika 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. 



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Who do I speak to about my Apple Watch payments?

etika 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 account to view your balance and payment history.

Sign in to etika

Apple Watch payments and Vitality activity points

Apple Watch Series 5 starts at £399. 

Eligible 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.

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.


 

Here’s an example 

Based on a VitalityHealth member with an Apple Watch Series 5 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

Apple Watch payment FAQs

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

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.

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.

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.

For the Apple Watch Series 5 new VitalityHealth members will set up a variable Direct Debit for up to £12.50 each month for 24 months and new 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 etika, 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, 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 etika will be £0 on 1st April.

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.

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.

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

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.

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.

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

Offer applies to selected Apple Watch Series 5, Apple Watch Series 3 and Apple Watch Nike Series 5 40 mm or 44 mm 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 £229. The maximum RRP of Apple Watch under this offer is £529.00.

Eligible VitalityHealth members will 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. 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 is a trading name of Vitality Corporate Services Limited, who for the purposes of this offer are acting as a credit broker only and not a lender. etika is 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. etika (a trading name of etika Finance UK Ltd) is a company registered in England and Wales 07440512 and authorised and regulated by the Financial Conduct Authority. Registration number: 697658. Company address: WeWork, No.1 Spinningfields, Quay Street, Manchester, M3 3JE. Copyright © 2020 etika. All rights reserved.

Details correct as of June 2020. View the full terms and conditions.