Change your card or bank account in Apple Pay on iPhone, iPad, or Mac

You can change which card or bank account Apple Pay uses by opening the Wallet app, selecting the card you want to replace, and tapping the edit button. The steps differ slightly depending on whether you're on iPhone, iPad, or Mac, but the process takes less than a minute. You can also delete a payment method entirely and add a new one if you prefer a fresh start.

Apple Pay stores multiple cards at once, so you don't have to remove the old one before adding a new one. The card you use most recently becomes your default, though you can manually set which card appears first in your Wallet.

Key Takeaways

  • Open Wallet, tap the card you want to change, select the edit button (pencil icon), and update the card details or expiration date directly.
  • Your most recently used card becomes the default automatically, but you can hold and drag any card to the front of your Wallet to change the order.
  • If you want to remove a card entirely, swipe left on it in Wallet and tap Delete, or tap the card, scroll down, and select Remove Card.
  • Adding a new card takes the same steps as changing one: open Wallet, tap the plus button, and follow the prompts to enter card details or link a bank account.

Edit an existing card on iPhone or iPad

Open the Wallet app and find the card you want to change. Tap it once to bring it to the front, then look for the three dots (•••) or the pencil icon in the corner. Tap that button to enter edit mode.

You can now change the cardholder name, card number, expiration date, or CVV. Some banks let you update these details directly in Apple Pay; others require you to contact the bank first. If the field is grayed out, that's a sign the bank controls that information and you'll need to call them to make the change.

Tap Done when you're finished. The changes save when ready, and the card is ready to use right away.

Edit a card on Mac

On a Mac, open System Settings (or System Preferences on older versions), then click Wallet & Apple Pay in the sidebar. You'll see all your cards listed. Click the card you want to change, then click the edit button (pencil icon) next to it.

Make your changes in the window that appears. As on iPhone and iPad, some fields may be locked if your bank manages them. Click Done to save.

Set a default card or change card order

The card you use most often automatically becomes your default—the one that appears first in Wallet and the one Apple Pay reaches for when you don't specify which card to use. If you want to change this without waiting, you can manually reorder your cards.

On iPhone or iPad, open Wallet, tap Edit in the top-left corner, then hold and drag any card to move it to the front. Tap Done when you're finished. On Mac, open System Settings > Wallet & Apple Pay, then drag cards up or down in the list to reorder them.

Remove a card from Apple Pay

If you want to delete a card instead of editing it, the process is straightforward. On iPhone or iPad, open Wallet, find the card, and swipe left on it. A red Delete button appears—tap it to remove the card from Apple Pay.

Alternatively, tap the card once, then tap the three dots or pencil icon, scroll to the bottom, and select Remove Card. On Mac, open System Settings > Wallet & Apple Pay, click the card, and click the minus button (−) next to it.

Removing a card from Apple Pay does not close the card itself or affect your bank account. The card remains active with your bank; it's only removed from this device's Wallet.

Add a new card to Apple Pay

To add a fresh card instead of editing an existing one, open Wallet and tap the plus button in the top-right corner (iPhone and iPad) or click the plus button in System Settings > Wallet & Apple Pay (Mac). Follow the prompts to enter your card number, expiration date, and CVV, or use your device's camera to scan the card.

Your bank may ask you to verify the card through a text message, email, or a call. Complete that step, and the card is ready to use. If you're adding a debit card linked to a bank account, you may be asked to confirm small deposits the bank makes to that account.

What happens if your card is lost or stolen

If your physical card is lost or stolen, remove it from Apple Pay when ready using the steps above. This stops anyone from using that card with Apple Pay on your device, but it does not stop the card from being used in person or online elsewhere.

Contact your bank directly to report the card lost or stolen. They will cancel the physical card and may issue a replacement. Once the new card arrives, you can add it to Apple Pay following the steps in the "Add a new card" section above.

Frequently Asked Questions

Can I change my card details without removing the old card?

Yes. You can edit the card in place by tapping it, selecting edit, and updating the information. You don't have to delete it first. If you want to use a completely different card, you can add a new one and keep the old one in Wallet, or delete the old one and add the new one.

Why is my card information grayed out and I can't edit it?

Your bank controls certain fields like the card number or expiration date. You'll need to contact your bank to update those details, then the change will reflect in Apple Pay automatically. You can usually edit the cardholder name and billing address yourself.

Does removing a card from Apple Pay close my bank account?

No. Removing a card from Apple Pay only removes it from this device's Wallet. Your bank account and card remain open and active. You can add the card back to Apple Pay anytime.

What if I have multiple cards and want to use a different one by default?

Hold and drag the card you want to use most to the front of your Wallet on iPhone or iPad. On Mac, drag it to the top of the list in System Settings. That card will now appear first and be used as your default in Apple Pay transactions.

Can I change my payment method on a specific device only?

Yes. Changes you make on one device affect only that device. If you have Apple Pay set up on an iPhone and a Mac, editing a card on your iPhone does not change it on your Mac. You'll need to make the same edit on each device separately.