How to Add Money to Apple Pay Without a Debit Card


Apr 11, 2023
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The most recent information, including details on iOS 16 and Apple Pay, has been added to this article. You may add money to Apple Pay using this approach without using a debit card. You don't even require a credit card!

There are two main categories of smartphone users in the modern era: iPhone or Android. If you frequently use an iPhone, you should be familiar with apple pay and how it functions.

Apple designed the Apple Pay system to encourage customers to stop using actual wallets. You may use the app to carry your debit and credit cards on your iPhone, iPad, or iPod touch thanks to this technology.

Despite its ease of use, there are still concerns about using Apple Pay without a debit or credit card. Even so, is this possible? Learn everything there is to know about the new Apple Pay Cash, the dos and don'ts, how to set up Apple Pay, and how to keep track of your balances by reading on.

Apple Pay Funding Without a Debit Card

It's crucial to note that, without the most recent feature update, you will need a valid debit card or credit card in order to set up Apple Pay at first. You have a lot more options when adding money to Apple Pay, though.

If you happen to be without, several options can replace your debit card in the wallet. You can use your credit card to add money to your account. Alternatively, you might choose to link your bank account.

Another way of adding money to your Apple Pay wallet is by having others send money to your Apple Pay account. This way, you will have added money to your account fast and easily.

Follow the same steps as you would with a debit card to complete the process:

  • Using your iPhone, open your settings.
  • Open your Apple wallet app.
  • Apple Cash card > Add Money.
  • Enter the amount of money to add ($10 minimum).
  • Confirm the U.S. method that you want to use to add funds.
  • Confirm the transaction with your Face ID, Touch ID, or passcode.

Transferring Money in Apple Wallet

To transfer money from a bank account to Apple Pay, you should know all the supported banks before you begin. You can add money to your Apple Pay Cash account from a supported bank account, or from eligible Visa or MasterCard debit cards.

You can transfer from Apple Cash to your bank account up to $10,000 per transfer and $20,000 in a row. The only countries to which you can transfer money from Square to a bank account are those of the United States. Unless you choose the Instant Transfer option, there are no fees associated with transferring money from Apple Cash to your bank account.

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Industry experts have rated Apple Pay as one of the most dependable payment methods. You can relax knowing that Apple uses a token to complete the transaction rather than the card number information to make purchases. It is known as the "device account number," and it lowers the possibility of card information being stolen.

Alongside the newest iOS update feature that offers its use without a debit card, Apple Pay Cash and Apple wallet continue to be some of the number one money applications out there!