I haven’t received my card yet. Can I use Apple Pay before it arrives?

💡 To use Apple Pay, start by updating the Holvi app! You'll need the latest version. Apple Pay is currently only available in Finland and Germany.

You'll need to activate your card before adding it to Apple Pay. This means you'll need your physical card in hand before using Apple Pay.

If you’re using a virtual Holvi card, you can add it to Apple Pay the moment you get your card details. That's because virtual cards come fully activated and ready to use.