The only thing annoying (aside from the limit) is that it still takes a while for the funds to hit your account, it isnāt instant. Which, admittedly, makes the limit inconsequential because you can just top up via bank transfer with just about the same time delay.
I think you know what the solution is - the new investment platform! 
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Yeah, I know I know 
but my issues are with what I have available to me right now - I canāt objectively have an opinion on a solution that hasnāt been released yet.
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Weird limitation to have! Also will credit cards ever be a supported Apple Pay option?
Hereās why we have the limit at the moment -
We donāt have any plans to support credit cards. Fun fact - youāre not allowed to top up an ISA by credit card because when you open an ISA you have to declare that āany subscriptions made, and to be made, belong to meā. Cash from credit cards doesnāt belong to the customer.
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I see, the extra cost was something I wondered about. It makes total sense now! Gotta make that profit and make sure no ones using borrowed money to top up an isa.
One thing the trainline seem to do is charge the Apple transaction fee to the end user. Which is nasty!
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[edit] TL;DR
:freetrade: team - are there banks or fintechs whose Apple Pay cards freetrade doesnāt accept for now?
I keep getting asked to set up Apple Pay even though itās already in the Wallet and Iāve tried various cards.
I have a Revolut card in Apple Pay and thereās a note that its not accepted by the app. The debit cards I have from legacy banks work fine.
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This is probably because your revolut card isnāt your linked bank account on Freetrade
Itās not that. You can pay with any accepted card via Apple Pay, it doesnāt need to be linked to your Freetrade account.
With Revolut it looks like virtual MasterCard cards are not accepted, perhaps due to how they are presented. But Revolut VISA cards are accepted.
I like the Apple pay option. I assume itās the card issuer transaction fee that it limiting for Freetrade for the moment? Apple as mentioned doesnāt impose any fee itself.
(Do not charge for it if thatās ever a consideration, itās ridiculous, be profitable elsewhere.)
Surely this can be enabled for ISA users in particular? We are fee paying account holders so offsets some of the costs.
Although I will say deposits are a bit quicker. Iām still waiting on instant deposits?
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I donāt know about the exact cost but it varies all over the world from around 0.15% on top of merchant fees to 1.5% above merchant fees. If the fee is 0.3% per transaction someone topping up an ISA with only Apply Pay would eat into the entire Ā£36 annual fee Freetrade would gain (this doesnāt even factor in merchant fees).
I donāt think Apple Pay is the way to go but rather deposits should be done via STP meaning there is no need for manual intervention on Freetradeās end. That being said in my experience with payment systems for financial services companies even fully automated payments have some manual aspects.
I thought there were no merchant fees for apple pay 
Do you have a source for that?
This is the first link when I googled Apple Pay merchant fees:
same link lol
https://support.apple.com/en-us/HT204274
Are there additional fees to accept Apple Pay?
No. Apple doesnāt charge any additional fees.
https://merchantservicesltd.com/apple-pay/
Apart from upgrading your old terminal to an NFC system, there is no associated cost of using Apple Pay . Merchants nor customers pay for use of Apple Pay , the card issuers, such as Chase, Bank of America etc. pay 0.15% of the cost on every transaction to Apple.
Youāve misunderstood. What that means is the merchant experiences no extra cost. The cost is absorbed as part of the interchange fees, i.e. there are extra fees.
seems likely I misunderstood, Iām not a merchant. I always thought that was why it was so popular though.
In Australia it was massively resisted by the big four banks because it was going to eat into their profit margins. Very interesting example where smaller banks saw customers move to them because they offered Apple Pay.
It is really useful as a customer, i wonāt lie 