How to Add Money to Apple Pay Without a Debit Card

a computer with the Apple Pay logo

This article has been updated to with the latest information including IOS 16 and the newest version of Apple Pay. This guide will show you how to add money to Apple Pay without a debit card. You don’t need a credit card either!

It’s no secret that today, there are two types of phone users: iPhone or Android. If you happen to be an avid iPhone user, you should be familiar with apple pay, wallet, and how it works. 

Apple created the Apple Pay platform to help consumers steer away from using physical wallets. Thanks to this technology,  the app allows you to carry your debit and credit cards on your iPhone, iPad, or Apple Watch. You can pay using any of your devices and avoid any mishaps with your actual cards. 

Regardless of its simplicity, questions remain around how to utilize Apple Pay without a debit or credit card. Is this even possible? Keep reading to learn all about the new Apple Pay Cash, the do’s and don’ts, and how to set up Apple Pay and manage your balances.

How to Set Up Apple Pay 

Before the newest iOS update, Apple Pay has always been easy to get started with. Typically, all you have to do is add your credit or debit card to your Wallet app. 

Like most digital wallets, you’ll be prompted for an Apple Card once you set everything up. The card will be simply digital and live within your wallet. 

If you choose to use your Apple Card, you will get 2% Daily Cashback on every purchase you make. All of the card’s rewards and benefits are available. You won’t miss out on any hard-earned points or miles.

Here are the requirements to use Apple Pay: 

  • The latest iOS, watchOS, or macOS updates
  • An Apple ID logged into the iCloud2 service
  • A linked debit card or credit card from an eligible card issuer
hand is holding a cell phone adding money to Apple Pay without a debit or credit card

Using Apple Pay Cash 

The new Apply Pay Cash feature offers a way to use your money without a credit or debit card.

There are some requirements that you’ll need to benefit from Apple Pay Cash:

  • Must be located in the U.S. 
  • You must be 18 years old or older
  • Your iPhone needs to be up to date with at least iOS 11.2
  • Enabled Two-factor authentication

Hands down, this is the most significant feature of Apple Pay Cash to date. Apple finally allows iPhone users to use its Pay feature without linking a debit or credit card to it, just as long as they receive money from other people through Apple Pay Cash.

Can You Transfer Money Without a Debit Card?

Yes, you can send money without a debit or credit card.

Adding Money to Apple Pay Without a Debit Card 

It’s important to note that without the newest feature update, the initial setup of Apple Pay will require you to have a valid debit card or credit card. However, when adding money to your Apple Pay, you have many more available options. 

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: 

  1. Using your iPhone, open your settings.
  2. Open your Apple wallet app.
  3. Apple Cash card > Add Money.
  4. Enter the amount of money to add ($10 minimum).
  5. Confirm the U.S. method that you want to use to add funds.
  6. 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 up to $10,000 per transfer and up to $20,000 within seven days from Apple Cash to your bank account. You are only allowed to transfer your money from square to a bank account within the United States. There are no fees to transfer your money from Apple Cash to your bank account unless you use the Instant Transfer option.

A man is holding a cell phone. On the laptop screen is the Apple Pay logo

Wrap Up

Apple Pay has been named one of the most reliable payment options by industry experts. You can rest easy knowing Apple does not use the card number information to make purchases but instead uses a token to complete the transaction. It’s called the “device account number,” which decreases the likelihood of stolen card information.

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! 


Related: Does Walmart Accept Apple Pay?