How to Add Money to Apple Pay without a Debit Card: 7 Steps (2024)

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Bypass Apple's debit card requirement and add cash with a prepaid card

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Written byLuigi Oppido|Edited byNicole Levine, MFA

Last Updated: January 9, 2024Fact Checked

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Apple Pay is a digital wallet service created by Apple that makes paying with your iOS device simple and easy. To get started, you'll usually need a valid debit card. If you don't have one, you can use a supported prepaid card! Once your prepaid card is added, you can send and receive money with friends. This wikiHow will show you how to add money to Apple Pay without a debit card using your iPhone or iPad.

Things You Should Know

  • You can use a prepaid card with Apple Wallet if you don't have a debit card.
  • To add money to your balance, add your prepaid card to your Apple Wallet, then transfer money from the card to Apple Cash.
  • Each time you want to add money from the prepaid card, open the Wallet app, tap "Apple Cash" → "•••" → "Add Money", enter an amount, and tap "Add".

Steps

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  1. 1

    Open the Wallet app. This looks like a wallet with colored cards in it.

    • Apple Pay only supports some prepaid cards; to check if your card is compatible, contact your card issuer. If you're unsure, continue with the steps. You'll be notified if your card is not supported.[1]
    • Make sure you're logged into the correct Apple ID and your iPhone or iPad is updated to the latest version.
  2. 2

    Add the card to your Wallet. You must have a valid card linked to your Wallet to send and receive money with Apple Cash.

    • Tap + in the top-right corner.
    • Tap Debit or Credit Card.
    • Tap Continue.
    • Tap Enter Card Details Manually and enter the details from your prepaid card.
    • Tap Next, and then tap Agree.
      • If you get an error that says "Could Not Add Card," "Wrong Name," "Invalid Card," "Card Device Limit," or errors about an address, first double-check the information you entered. If the card information is correct, the prepaid card you're trying to add does not support Apple Pay.[2]

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  3. 3

    Tap Apple Cash. If you don't already have Apple Cash set up, you'll need to do so now. Since you already have a card added to Wallet, you just need to accept the terms and select your default payment method.[3]

    • If you don't see this option, return to the main Wallet screen, then tap your Apple Cash card.[4]
  4. 4

    Tap the three dots ••• . This will be in the top-right corner.

  5. 5

    Tap Add Money. You can find this below the Apple Cash header.

  6. 6

    Enter an amount. This amount will be taken from your prepaid card and added to your Apple Cash balance.

    • You can add a minimum of $10 to a maximum of $10,000.[5]
  7. 7

    Tap Add. The amount will be added. Additionally, when you receive money from others, it will be added to your Apple Cash balance.

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      Tips

      • If you don't have a prepaid card to add to Apple Pay, you can have a friend or family member send you money through iMessage.

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      About This Article

      How to Add Money to Apple Pay without a Debit Card: 7 Steps (22)

      Written by:

      Luigi Oppido

      Computer & Tech Specialist

      This article was written by Luigi Oppido and by wikiHow staff writer, Nicole Levine, MFA. Luigi Oppido is the Owner and Operator of Pleasure Point Computers in Santa Cruz, California. Luigi has over 25 years of experience in general computer repair, data recovery, virus removal, and upgrades. He is also the host of the Computer Man Show! broadcasted on KSQD covering central California for over two years. This article has been viewed 50,669 times.

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      Co-authors: 7

      Updated: January 9, 2024

      Views:50,669

      Categories: Apple Pay

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      How to Add Money to Apple Pay without a Debit Card: 7 Steps (2024)

      FAQs

      How to Add Money to Apple Pay without a Debit Card: 7 Steps? ›

      To add money to your balance, add your prepaid card to your Apple Wallet, then transfer money from the card to Apple Cash. Each time you want to add money from the prepaid card, open the Wallet app, tap "Apple Cash" → "•••" → "Add Money", enter an amount, and tap "Add".

      How to add money to Apple Pay without a debit card? ›

      Methods to Add Money to Apple Pay Without a Debit Card
      1. Prepaid Cards: Many prepaid debit cards (Visa, Mastercard, etc.) ...
      2. Credit Cards: You can add most major credit cards to Apple Pay. ...
      3. Apple Cash from Friends and Family: If someone you know has an Apple Cash balance, they can easily send it to you.
      Apr 16, 2024

      How to set up Apple Pay without card or debit card? ›

      You can easily add money to your Apple Pay account without having to use a credit card or bank account. Purchase a cash card or a prepaid credit card with a Visa or MasterCard logo. Some prepaid cards with an American Express logo can also be used (but may not always be accepted).

      How do I add cash to Apple Pay? ›

      Add money to Apple Cash
      1. On your iPhone, open the Wallet app, tap your Apple Cash card, tap the More button , then tap Add Money. ...
      2. Enter an amount. The minimum is $10.
      3. Tap Add.
      4. Authenticate with Face ID, Touch ID, Optic ID, or your passcode.

      Why can't I add money to Apple Cash? ›

      If your account is restricted while under review, you can't send or receive money with Apple Cash, or add money to your account. If your account is locked while under review, you also can't transfer money to your bank or make purchases with Apple Pay. Reviews take up to 2 business days.

      Do I need a debit card to receive money on Apple Pay? ›

      You can easily transfer money to your Apple Cash once you've added a debit card to Wallet. Any money you receive in Messages or Wallet is automatically added to your Apple Cash balance. For users under 13, money is added to their Apple Cash card only when someone sends them money.

      How to add card to Apple Wallet without physical card? ›

      How to add a debit or credit card on your iPhone
      1. In the Wallet app, tap the Add button . ...
      2. Tap Continue.
      3. Follow the steps on the screen to add a new card.
      4. Verify your information with your bank or card issuer. ...
      5. If you have a paired Apple Watch, you have the option to also add the card to your watch.
      Feb 2, 2024

      How can I Pay without a physical card? ›

      The most famous ones are PayPal, Apple Pay and Google Pay. The basic functionality of these payment apps tends to be similar. You load them with funds from your bank account and/or receive funds from other sources. You then use these funds to make purchases and/or transfer them to your bank account.

      How do I add money to my Wallet? ›

      Here's a step-by-step guide:
      1. Open the Paytm app and log in to your account.
      2. Go to the 'Add Money' section on the home screen.
      3. Enter the amount you want to add to your wallet and select the 'Credit Card' option.
      4. Enter your credit card details, including the card number, expiry date, and CVV.
      5. Click on 'Proceed to Pay'.
      Feb 3, 2024

      How to use Apple Pay under 18? ›

      To send and receive money with an Apple Cash account, you must be 18 and a U.S. resident. If you're under 18, your family organizer can set up Apple Cash for you as part of their Apple Cash Family account.

      How do I add money to my Apple ID from Cash App? ›

      Transferring Money From Apple Pay To Cash App. Unfortunately, it is not currently possible to transfer money directly from Apple Pay to Cash App — you must first transfer the funds to a bank account. Then, you must send those funds to Cash App.

      Can you add money to Apple Pay without a debit card? ›

      You can use a prepaid card with Apple Wallet if you don't have a debit card. To add money to your balance, add your prepaid card to your Apple Wallet, then transfer money from the card to Apple Cash.

      How do I add money to my Apple ID? ›

      Add funds to your Apple Account balance on iPhone or iPad
      1. Open the App Store app.
      2. Tap your photo, initials, or the sign-in button. at the top of the screen.
      3. Tap "Add Money to Account."
      4. To add funds instantly, tap the amount that you want to add. ...
      5. Follow the onscreen instructions to complete the purchase.
      Mar 18, 2024

      How to unlock Apple Cash? ›

      On your iPhone, open the Wallet app and tap Apple Card. Tap the participant's name. Tap Unlock to Resume Spending, then follow the onscreen instructions. You might be asked to enter your password.

      How do I add money to my Apple ID without a gift card? ›

      Use a payment method, such as a credit or debit card, to add funds to your Apple Account balance. Then use your Apple Account balance to buy apps, games, music, iCloud+ and more. If you want to add a payment method to your Apple ID, not add funds to your Apple Account balance, find out how to add a payment method.

      Can you add a bank account to Apple Pay instead of a debit card? ›

      You can add a bank account to make Apple Card payments, or use Apple Cash to help pay off your Apple Card balance. The first time you choose to add a bank account, you're asked if you want to add the same bank account that you use with Apple Cash.

      How to transfer money with Apple Pay? ›

      On your iPhone or iPad
      1. Open the Messages app, then start a new conversation or tap an existing one.
      2. Tap the plus icon. , tap Apple Cash, then enter the amount you want to send.
      3. Tap Send, then tap the Send button. ...
      4. Double-click the side button to pay.
      5. Confirm your payment with Face ID, Touch ID, or your passcode.
      Apr 17, 2024

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