You can change your bank on Apple Pay by removing the old card and adding a new one
Apple Pay stores your bank card information on your phone or device so you can pay by tapping instead of swiping. If you want to use a different bank account or card, you remove the old one and add the new one. The process takes a few minutes and happens entirely in the Wallet app on your device.
You do not lose money or have any charges when you remove a card. Your bank account itself stays open — you are only disconnecting it from Apple Pay. You can add the same card back later if you change your mind.
Key Takeaways
- Open the Wallet app on your iPhone or Apple Watch, find the card you want to remove, and tap the three dots or menu icon to delete it.
- After removing the old card, tap the plus sign in Wallet to add your new bank card by entering the card number or taking a photo of it.
- Your bank may ask you to verify the new card by confirming a small deposit or a code sent to your phone — this is normal and takes one to three business days.
- You can have multiple cards in Apple Pay at the same time and choose which one to use each time you pay.
How to remove a card from Apple Pay
Open the Wallet app on your iPhone, iPad, or Apple Watch. Find the card from your old bank and tap it once to select it. Look for a three-dot menu icon (usually in the top right corner) or swipe left on the card — either action opens a menu with more options.
Tap "Remove" or "Delete Card" from that menu. Apple Pay will ask you to confirm that you want to remove it. Tap "Remove" again. The card is now gone from your Wallet, but your bank account and the physical card itself are not affected.
If you have multiple cards and one is set as your default (the one that pays automatically when you tap), removing it will make Apple Pay ask you to pick a new default the next time you use it.
How to add your new bank card to Apple Pay
In the Wallet app, tap the plus sign (+) in the top right corner. Choose "Credit or Debit Card." You now have two ways to enter your card information: type the card number manually, or hold your phone's camera over the card and let it read the numbers automatically.
After you enter the card number, Apple Pay will ask for the expiration date and the three-digit security code on the back. Enter those details. Then add your name, billing address, and phone number if Apple Pay does not already have them.
Tap "Next" or "Add" to finish. Your bank will receive a notice that you have added this card to Apple Pay.
Verifying your new card with your bank
Most banks require you to verify the new card before you can use it on Apple Pay. This is a security step to make sure you are the real owner of the card. Your bank will contact you by text, email, or phone with a code or a confirmation request.
Some banks send a small deposit (usually a few cents) to your bank account and ask you to tell them the amount. Others send a code to your phone that you enter into the Wallet app. A few banks skip this step entirely if they recognize your phone number or account.
Verification usually takes one to three business days. Until it is complete, you will not be able to use the new card on Apple Pay, but you can still use the physical card at stores or online.
Using multiple cards at the same time
You do not have to choose just one card. Apple Pay lets you store as many cards as you want, and you can switch between them whenever you pay. Each card appears as a separate tile in your Wallet app.
When you tap to pay at a store or online, Apple Pay will show you all your available cards and ask which one you want to use. If you have a default card set, it will use that one unless you tap to change it. You can change your default card anytime by opening Wallet, tapping the three-dot menu on any card, and selecting "Set as Default."
What happens to your old bank account
Removing a card from Apple Pay does not close your bank account or cancel the physical card. Your money stays in the account, and you can still use the card to pay in stores, online, or at an ATM. Removing it from Apple Pay just means you cannot tap your phone to pay with that card anymore.
If you are switching banks entirely and want to close your old account, that is a separate step you do with your old bank directly. Contact them by phone, visit a branch, or log into their website to start the closure process. They will tell you what to do with any remaining money and whether there are any fees.
Troubleshooting common problems
If your new card is not showing up in Wallet after you add it, restart your phone and try again. Sometimes the app needs a moment to sync with Apple's servers. If it still does not appear after a restart, check that you entered the card number correctly — even one wrong digit will cause the card to be rejected.
If your bank is asking you to verify the card but you never received a code or confirmation, contact your bank directly. They can resend the code or tell you what step you are missing. Do not try to add the card again — adding it multiple times can trigger your bank's fraud protection and lock you out temporarily.
If you see an error message saying your card is not supported, your bank may not work with Apple Pay yet. Not all banks and credit unions have set up this connection. Contact your bank to ask if they support Apple Pay, or try adding a different card from a bank that does.
Frequently Asked Questions
Can I use Apple Pay if I switch banks?
Yes. Remove your old bank's card from Wallet and add your new bank's card using the same steps. As long as your new bank supports Apple Pay, you will be able to use it right away after verification is complete.
What if I accidentally deleted a card I still need?
You can add it back anytime by tapping the plus sign in Wallet and entering the card number again. Your bank may or may not ask you to verify it a second time, depending on how much time has passed.
Do I lose money when I remove a card from Apple Pay?
No. Removing a card from Apple Pay does not affect your bank account or your money. You are only disconnecting the card from your phone — the account itself stays open and active.
Can I have cards from two different banks on Apple Pay at the same time?
Yes. You can store cards from as many banks as you want. When you pay, Apple Pay shows you all available cards and lets you pick which one to use.
Why is my bank asking me to verify the card?
Banks verify new cards on Apple Pay to confirm you are the real owner and to prevent fraud. This is a security step. You will receive a code by text, email, or phone, or your bank may ask you to confirm a small deposit amount.