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I have the same problem and it agree it seems like it may be more of an Apple issue than a BMW one. BMW might be able to solve the issue by totally disabling the digital key--not sure that is a great outcome though. Seems like the iPhone needs to either learn to ignore that particular NFC signal or direct it to an app other than Apple Pay.
Given this could be an Apple problem, I'm less optimistic it gets fixes anytime soon. Though, I read someplace that IOS 12 was supposed to include a bunch of new NFC features.
Fingers crossed.
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