There was a discussion earlier in this topic about what Apple charges card issuers in the EU. Someone claimed Apple is charging banks per card added. (Seems logical when considering 0.2% cap in the EU)
If this is the case, it perfectly explains the business model of N26. They only offer Apple Pay to their customers in the United Kingdom, Germany, Finland, France, Ireland, Italy, and Spain. Customers from Norway, Denmark and Poland cannot use Apple Pay, although Apple previously launched Apple Pay in those countries. So N26 only focused Apple Pay supported Eurozone countries and the UK (they offer accounts in GBP) probably because non-eurozone countries is not their “premium” market. (N26 is not multi-currency friendly) They don’t want to issue a free card, and lose money if someone from Poland adds it to Apple Pay.
In this context, when I reconsider the previous announcements from Revolut like “soon it will be available in France”, “soon it will be available in Germany”, I think Revolut might go in the same path as N26 to offer Apple Pay in the selected countries only.