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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 36 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 6 starts at £379. 

Eligible Vitality members will make an initial upfront payment from £37 followed by 36 monthly payments of between £0 and £9.50. The upfront payment will vary depending on the model they choose, but the monthly payments are still between £0 and £9.50.

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 Vitality member with an Apple Watch Series 6, 40mm Space Grey Aluminium Case with Black Sport Band:.
Total price Initial upfront payment Your activity Monthly Direct Debit payment Balance paid Total saving
£379 £37 160 activity points per month for 36 months £0 £0 (0% APR, variable Direct Debit for 36 months) £342
£379 £37 80 activity points per month for 36 months £4.50 £162 (0% APR, variable Direct Debit for 24 months) £180

Monthly direct debit payments FAQs

How much will my Direct Debit be each month?

For the Apple Watch Series 6 new VitalityHealth or VitalityLife members will set up a variable Direct Debit for up to £9.50 each month for 36 months. For the Apple Watch SE, new VitalityHealth or VitalityLife members will set up a variable Direct Debit for up to £7 each month for 36 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.

How will I know what my payment will be each month?

You’ll be able to track the amount we will contribute to your payment on the Member Zone, or by using the Vitality Member app.

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 statement from the right hand sidebar of the homepage in Member Zone.

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

Is my credit agreement interest free?

Yes, you’ll enter into a 0% APR credit agreement for the value of the Apple Watch, minus the initial upfront payment. Your credit agreement will be with etika Finance UK Ltd, the lender for this offer.

Can I pay back the loan amount early?

Yes you can pay your loan amount with etika early. However, that will mean your Direct Debit is cancelled and you won't be eligible for any more Vitality contributions. You also won’t be able to buy a further Apple Watch until the last planned payment date for the original Apple Watch has passed. You can view your account balance and payments to date by visiting the etika website.

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 etika Finance UK Ltd.

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

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 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 submit a Vitality points query.

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 6 new VitalityHealth or VitalityLife members will set up a variable Direct Debit for up to £9.50 each month for 36 months. For the Apple Watch SE, new VitalityHealth or VitalityLife members will set up a variable Direct Debit for up to £7 each month for 36 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 Finance UK Ltd, 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 minimum monthly payment for for Apple Watch Series 6 is £9.50
  • If the member has earned 100 Vitality activity points in the month, they will pay £4.50
  • The Vitality contribution is therefore £5 (the balance)

To reduce your Apple Watch Series 6 monthly payment to £0, the Vitality contribution would need to be £9.50 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 £9.50 and your Direct Debit to etika 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.

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

Offer applies to selected Apple Watch Series 6 and Apple Watch SE 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 £167. The maximum RRP of Apple Watch under this offer is £509.00.

Eligible VitalityHealth and VitalityLife members will need to agree to a consumer credit agreement (0% APR) and set up a variable Direct Debit for 36 months. Your monthly payment will depend on tracking your level of activity in the previous month and could be between £0 and £9.50. 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 and VitalityLife are 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 © 2021 etika. All rights reserved.

Details correct as of May 2021. View the full terms and conditions.