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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 ordered an Apple Watch with Vitality, you set up a Direct Debit with PayBreak Limited for £12.50 each month for 24 months.

However, your monthly payments may vary from £0 to £12.50 a month depending on how many Vitality activity points you earn each month and therefore how much Vitality contribution you will 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 3 GPS starts at £329, so you’ll make an initial upfront payment of £29 for 38mm models or £59 for 42mm models, followed by 24 Direct Debit payments of between £0 and £12.50 per month depending on your monthly activity.

To have the remaining payments of your Apple Watch fully funded by Vitality contributions, earn 160 Vitality activity points every month and stay with us for the entire purchase period.

Apple watch activity tracking table

Examples: Apple Watch payments and savings with Vitality

Here’s a couple of illustrative examples to show you what you would pay with Vitality for an Apple Watch Series 3 GPS, 38mm Space Grey Aluminium Case with Black Sport Band.

Total price Initial upfront activity Your activity Monthly Direct Debit payment Balance paid Total saving
£329 £29 160 activity points per month for 24 months £0 £0 (0% APR, variable Direct Debit for 24 months) £300
£329 £29 80 activity points per month for 24 months £7.50 £180 (0% APR, variable Direct Debit for 24 months) £120

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?

When you take out a credit loan agreement with PayBreak Limited, you agree to pay £12.50 a month for 24 months for your Apple Watch.

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 an Apple Watch is £12.50
  • If you’ve earned 100 Vitality activity points in the month, you 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 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.