Update your card or bank account details directly in the Wallet app
To change the card or bank account linked to Apple Pay, open the Wallet app on your iPhone or iPad, tap the card you want to update, then tap the three dots in the top right corner. Select "Card Details" or "Account Details" depending on what you're updating. From there you can edit the expiration date, CVV, billing address, or phone number without removing the card entirely.
If you're updating a debit or credit card because it expired or was compromised, this method keeps your card active in Apple Pay while you fix the information. The changes take effect when ready, and your card remains in the same position in your Wallet.
For bank accounts linked to Apple Cash or Apple Pay Cash, the process is similar: tap the account in Wallet, select the menu, and choose "Edit" to update routing numbers or account details. You may need to re-verify the account with your bank after making changes.
Key Takeaways
- Open Wallet, select the card or account you want to change, tap the menu button (three dots), and choose "Card Details" or "Account Details" to edit without removing it.
- Expiration dates, CVV numbers, and billing addresses can all be updated this way and take effect when ready.
- If your card was reported lost or stolen, removing it entirely and re-adding it fresh is faster than editing.
- Bank account changes may require re-verification with your financial institution before transactions process normally again.
Remove and re-add a card if editing doesn't work or the card is compromised
Sometimes a card won't update properly, or you need to remove it because it was lost, stolen, or used fraudulently. To remove a card from Apple Pay, open Wallet, tap and hold the card, then swipe up and select "Remove." The card is deleted from your device but remains active at your bank unless you contact them separately.
Once removed, you can add it back by opening Wallet, tapping the plus sign, and following the prompts to enter the card number, expiration date, and CVV. Apple will verify the card with your bank, which usually takes a few seconds to a few minutes. If the card was compromised, your bank may have already issued a new card number—add that new number instead of re-adding the old one.
This method is also useful if you want to change which card is your default payment method. Remove the old default, then add the new one first so it becomes the primary card automatically.
Update your billing address or contact information
Your billing address and phone number are stored separately from your card details in Apple Pay. To change them, open Wallet, select the card, tap the menu, and look for "Billing Address" or "Contact Information." Edit the fields you need to change and save.
Updating your billing address is important if you've moved, because some merchants and banks use address verification to prevent fraud. If your address doesn't match what your bank has on file, transactions may be declined or flagged for review. After you update it in Apple Pay, contact your bank to make sure their records match as well.
Your phone number in Apple Pay is used for transaction notifications and fraud alerts. If you've changed your number, update it in Wallet so your bank can reach you if something looks suspicious.
Handle expiration dates and automatic updates from your bank
When your credit or debit card expires, you have two options: update the expiration date manually in Apple Pay, or wait for your bank to push an automatic update. Many banks send new card information to Apple Pay before your physical card arrives, so you may not need to do anything.
If your bank doesn't send an automatic update, you'll see a notification in Wallet telling you the card has expired. At that point, tap the card, select the menu, and update the expiration date and CVV to match your new physical card. Do this as soon as you receive your replacement card so there's no gap in your ability to pay.
If you're not sure whether your bank sends automatic updates, check your bank's website or call their customer service line. Some banks update Apple Pay automatically; others require you to do it manually.
Update Apple Pay on Mac, Apple Watch, or other devices
If you use Apple Pay on multiple devices, you'll need to update your payment information on each one separately. On a Mac, open System Preferences, go to Wallet & Apple Pay, select the card, and click "Edit." On an Apple Watch, open the Watch app on your iPhone, go to Wallet & Apple Pay, select the card, and tap "Edit."
Changes you make on one device don't automatically sync to others. If you update a card on your iPhone but use Apple Pay on your Apple Watch, you'll need to update the Watch separately. This is especially important if your card was compromised—remove it from all devices, not just one.
Your Mac and Apple Watch pull card information from your iPhone's Wallet, so if you remove a card from your iPhone, it will also disappear from your other devices. Adding a new card to your iPhone will make it available on your other devices within a few minutes.
What to do if your update is rejected or won't save
If Apple Pay won't let you save changes to a card, the most common reason is that the information doesn't match what your bank has on file. Double-check the card number, expiration date, CVV, and billing address against your physical card and your bank statement. Even a single digit wrong will cause the update to fail.
If everything matches and the update still fails, try removing the card entirely and re-adding it. This forces Apple Pay to re-verify the card with your bank, which often resolves the problem. If re-adding doesn't work, contact your bank—they may have flagged the card for security reasons or there may be a technical issue on their end.
Some banks also require you to verify changes through their own app or website before Apple Pay will accept them. Check your bank's website to see if they have an additional verification step for updating payment methods.
Frequently Asked Questions
Do I lose my transaction history if I remove a card from Apple Pay?
No. Your transaction history stays in the Wallet app and your bank's records even after you remove the card. Removing a card from Apple Pay only stops you from using it for future payments—it doesn't erase past ones.
How long does it take for a card update to go into effect?
Most updates take effect when ready. If you're re-adding a card, verification with your bank usually takes a few seconds to a few minutes. In rare cases, it can take up to 24 hours if your bank is slow to respond.
If I update my card in Apple Pay, do I need to update it at other places too?
Yes. Updating your card in Apple Pay only changes it for Apple Pay transactions. If you use the same card at other services like PayPal, Amazon, or your bank's app, you'll need to update those separately. Your bank's own records should update automatically when you get a new card.
What happens to my old card information after I remove it?
It's deleted from your device. Your bank keeps their own records of the card, so removing it from Apple Pay doesn't close the account or affect your bank's systems. If the card was compromised, contact your bank to report it and request a new card.
Can I update a card that's already been declined?
You can edit the card details, but if it was declined because the account is closed or the card is no longer valid, updating won't fix it. You'll need to remove it and add a different card instead. Contact your bank if you're not sure why the card was declined.