How to Add Money to Apple Pay? Complete Guide

How to Add Money to Apple Pay? Digital wallets seem to be taking over the role of cash in the digital age as more and more people use them for their daily transactions.

Apple Pay is one of the leading players in this field, offering a convenient and secure way to pay with your iPhone, Apple Watch, or other Apple devices.

You must first know how to add money to your digital wallet in order to embark on a cashless journey with Apple Pay.

You’ll learn how to accomplish just that in this guide, so you’re ready to embrace the future of payments.

How to Set Up Apple Pay?

In the past, Apple Pay was easy to use. All you had to do was add your credit or debit card to your Wallet app. 

Once you’ve set up your wallet, you’ll be asked to add an Apple Card. It will simply be a digital card. 

The Apple Card gives you 2% Daily Cashback on every purchase, including all of its rewards and benefits.

You won’t lose out on any hard-earned points or miles by using the card. # Set Up Apple Pay

In order to use Apple Pay, you must meet the following requirements: 

  • Updates for iOS, watchOS, and macOS
  • A logged-in Apple ID for iCloud2
  • An eligible debit or credit card linked to a linked debit or credit card

Using Apple Pay Cash 

Using money without a credit or debit card is now possible with Apply Pay Cash.

You’ll need to meet the following requirements to take advantage of Apple Pay Cash:

  • Location must be in the U.S. 
  • It is a requirement that you are at least 18 years old
  • A minimum of iOS 11.2 is required on your iPhone
  • Two-factor authentication has been enabled

In my opinion, Apple Pay Cash is the most significant new feature to date: it finally allows users to use its Pay feature without linking a debit or credit card to it, just as long as they receive cash from others via Apple Pay Cash.

How to Add Money to Apple Pay?

It’s easy to add money to your Apple Pay account, allowing you to make seamless digital payments with your Apple device.

Here’s a step-by-step guide:

1. Ensure Compatibility: 

In the first place, ensure that your device is compatible with Apple Pay.

Apple Pay is available on iPhone, iPad, Apple Watch, and Mac devices. Also, ensure that your device is up-to-date on iOS or macOS.

2. Set Up Apple Pay: 

Getting started with Apple Pay is as simple as following these steps:

  • You can add a credit or debit card on your iPhone by going to “Settings” > “Wallet & Apple Pay.”
  • Tap “Wallet & Apple Pay” on your paired iPhone, then tap “Add Credit or Debit Card.”
  • You can add a credit or debit card on an iPad by going to “Settings” > “Wallet & Apple Pay.”
  • Click “Add Card” under “Wallet & Apple Pay” in “System Preferences.”

3. Add a Payment Method: 

The following steps will show you how to add money to Apple Pay with a credit or debit card or with an Apple Cash card:

  • To verify your card with your bank, enter your card information manually or use the camera to scan your card.
  • You can add money to your Apple Cash card directly from your bank account if you have Apple Cash set up. Tap “Add Money” in the Wallet app to proceed.

4. Verify Your Identity (if necessary): 

When setting up Apple Pay, you may need to verify your identity depending on your bank and payment method.

Generally, you will receive a verification code via SMS or email.

5. Set a Default Card (optional):

 In Apple Pay, you can choose which card you want to use as your default method of payment.

If you do not select another card during payment, this card will automatically be used for your transactions.

6. Make Payments: 

Using your Apple Pay balance, you will be able to make payments at participating merchants, online shops, and within apps that support Apple Pay.

Simply hold your device near the contactless terminal or use Apple Pay at the checkout to make payments.

7. Manage Your Wallet: 

Go to “Settings” > “Wallet & Apple Pay” (on iPhone and iPad) or “System Preferences” > “Wallet & Apple Pay” (on Mac) to manage your Apple Pay cards and settings.

Adding money to your Apple Pay account is as simple as 1-2-3.

However, you should keep your device secure so you don’t have to worry about unauthorized access to your financial information.

How to add money to Apple Pay from my bank account?

Linked cards are used to facilitate Apple Pay transactions. As a result, you cannot transfer funds directly from your bank account to Apple Pay.

Here’s how to do so, even though you cannot transfer money directly from your bank account:

Step 1: Adding Your Debit or Credit Cards to Apple Pay

  1. Open the “Wallet” app on your iPhone or iPad after unlocking it.
  2. Within the Wallet app, find the “+” button, often located in the top-right corner. Tap on it to begin.
  3. You can manually enter your card information or take a picture of the card using your device’s camera.
  4. Choose a debit or credit card from a variety of financial institutions and add it to Apple Pay.
Add Money to Apple Pay

Step 2: Card Verification

  1. For your transactions to be secure, your bank may require verification after you add your card.
  2. Keep an eye out for the verification code you’ll receive via SMS, email, or your bank’s mobile app.
  3. To complete the verification process, enter the verification code provided by your bank.

Step 3: Setting a Default Payment Card

  1. A card you add to the Wallet app can be set as the “Default Card,” which will be used for transactions unless you specify otherwise.
  2. Set a default card by tapping on the chosen card and looking for the “Default Card” option.

Step 4: Making Payments with Apple Pay

  1. Apple Pay is ready to be used once your cards have been added, verified, and a default card selected.
  2. To make a contactless payment, simply hold your Apple Watch or iPhone near a contactless terminal at a participating merchant. 
  3. Apple Pay can also be used for in-app purchases, expanding the range of transactions you can conduct.

Even though you can’t directly add money to Apple Pay from your bank account, you can still use your existing credit or debit cards to make digital payments.

With Apple Pay, you can make effortless and secure payments, simplifying the process.

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How You Can Add Money to Apple Pay Without Debit Card?

Apple Pay can be topped up without a debit card in two ways: # Add Money to Apple Pay Without Debit Card

1. Use a credit card

Following are the steps for adding money to Apple Pay using a credit card:

  1. Your iPhone or iPad should open the Wallet app.
  2. You will be prompted to tap your Apple Cash card.
  3. Click More (three dots in the upper-right corner).
  4. Click Add Money.
  5. Add the amount you wish to add. The minimum amount is $10.
  6. You can select your credit card here.
  7. Then tap Add.

2. Request money from a friend or family member.

The following steps will guide you through the process of requesting money from a friend or family member who uses Apple Pay.

They will then send you the money, which can be added to your Apple Pay balance:

  1. Your iPhone or iPad should open the Wallet app.
  2. You will be prompted to tap your Apple Cash card.
  3. Request can be tapped.
  4. Please enter the amount you would like to request.
  5. If you are requesting money from someone, enter their phone number or email address.
  6. Please tap the Request button.

Can You Add Money to Apple Pay With a Credit Card?

Apple Pay can be loaded with money using alternative payment methods, such as credit cards. Follow the steps below to add money using a credit card instead of a debit card.

  • On an iPhone or other Apple device, open the Wallet app.
  • Choose Debit or Credit card from the menu.
  • If you want to add a credit card, tap Continue and follow the prompts.
  • It may be necessary for you to go through a verification process.
  • After adding the card to Apple Pay, you can use it to add cash.

Your Apple Pay balance will not need to be added as you can directly make payments with the linked card using this app.


Our world is becoming increasingly cashless, and Apple Pay has emerged as an accessible and reliable digital wallet.

In order to enjoy the convenience and security Apple Pay offers for your transactions, follow the steps outlined in this guide to add money to your Apple Pay account.

Apple Pay keeps your financial information secure and simplifies the process, whether you’re buying coffee, groceries, or splitting a bill.

Let’s start making life a little easier, one tap at a time. Just load up your wallet and join the millions of people who have already embraced this digital revolution.

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