Contributions
Once you've connected your Apple Watch to Vitality, you can earn activity points for getting active.
Each month, the points you earn will result in Vitality making a contribution towards that month's loan repayment to Novuna Personal Finance.
This means that the more active you are each month, the more Vitality will contribute. If you reach the maximum of 160 activity points in a month, Vitality will cover the entire loan instalment for that month.
If your plan renews mid-month this will not interrupt your monthly activity points being tracked, and will not impact your Apple Watch contribution.
The contribution figures below are correct as of October 2025:
Apple Watch SE 3
Points earned /month | Our contribution | Your contribution |
0 - 39 | £0.00 | £6.00 |
40 - 79 | £1.50 | £4.50 |
80 - 119 | £3.00 | £3.00 |
120 - 159 | £4.50 | £1.50 |
160 | £6.00 | £0.00 |
Apple Watch Series 11 - First Watch
Points earned /month | Our contribution | Your contribution |
0 - 39 | £0.00 | £10.00 |
40 - 79 | £2.50 | £7.50 |
80 - 119 | £5.00 | £5.00 |
120 - 159 | £7.50 | £2.50 |
160 | £10.00 | £0.00 |
Apple Watch Series 11 - Subsequent Watch
Points earned /month | Our contribution | Your contribution |
0 - 39 | £0.00 | £6.00 |
40 - 79 | £1.50 | £4.50 |
80 - 119 | £3.00 | £3.00 |
120 - 159 | £4.50 | £1.50 |
160 | £6.00 | £0.00 |
Tracking contributions
You’ll be able to track the amount we will contribute to your payment on the Member Zone, or by using the Vitality UK app.
You can keep track of the points earned towards this benefit for the month by clicking on the Rewards Tab within the Vitality UK app.
Monthly payments for Apple Watch with Vitality are dependent on how many Vitality activity points you earn two months prior. You 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.
The date of your first direct debit payment will be based on the date you signed the loan agreement. This will be confirmed to you and managed by Novuna.
You will be able to change your direct debit payment date to suit your needs once the first payment has been made.
Here's an example:
15th April - purchase your Apple Watch
Rest of April plus May - payment holiday
June - first month earning Vitality activity points
15th August - first direct debit payment
Think your contribution is wrong?
If some of your activity points were added later than usual, they may not have been included in the contribution calculation for that month. In this case, any contribution adjustment will usually be reflected in the following month's payment.
If your contribution still doesn't look right after the next payment cycle, please contact us using the options below.