Update your card directly in the Wallet app on your iPhone, iPad, or Mac
To update a credit card on Apple Pay, open the Wallet app, tap or click the card you want to change, select the three dots or information icon, and choose to edit the card details. You can update the expiration date, CVV, or cardholder name without removing and re-adding the card. On iPhone and iPad, the process takes about one minute. On Mac, the steps are similar but accessed through System Settings instead of an app.
Apple Pay stores your card information encrypted on your device. When you update card details, the change syncs across all your Apple devices that use the same Apple ID. You do not need to contact your bank or card issuer to make these changes — Apple Pay handles the update on your end.
Key Takeaways
- Open Wallet, select your card, tap the three dots or info icon, and choose edit to update expiration date, CVV, or cardholder name.
- Changes sync automatically across iPhone, iPad, Mac, and Apple Watch when you use the same Apple ID.
- If your bank sends you a replacement card with a new number, you must remove the old card and add the new one instead of editing.
- Some banks push updates to Apple Pay automatically when your card details change, so check if the update already happened before editing manually.
Steps to update on iPhone or iPad
Open the Wallet app and locate the card you need to update. Tap the card to bring it to the front, then tap the three dots (or the information icon, depending on your iOS version) in the top right corner. Select "Edit Card" or "Card Details" from the menu that appears.
You can now change the expiration date, CVV security code, or the cardholder name. Tap each field to update it. When you finish, tap "Done" or "Save" to confirm the changes. The update takes effect when ready on that device and syncs to your other Apple devices within a few minutes.
Steps to update on Mac
On a Mac running macOS Monterey or later, open System Settings (or System Preferences on older versions) and select "Wallet & Apple Pay" from the sidebar. Find your card in the list and click it once to select it. Click the gear icon or three dots next to the card name.
Choose "Edit" from the menu. Update the expiration date, CVV, or cardholder name as needed, then click "Done" to save. The change syncs to your iPhone, iPad, and Apple Watch automatically.
When to remove and re-add instead of editing
If your bank issued you a new card with a different card number — such as after fraud, expiration, or a replacement request — you cannot straightforward edit the old card. You must remove the old card from Apple Pay and add the new one separately.
To remove a card, open Wallet, tap the card, select the three dots, and choose "Remove Card." Then tap the plus icon in Wallet to add your new card. Your bank may ask you to verify the new card with a one-time code or small test charge. This process usually takes a few minutes.
Automatic updates from your bank
Many banks push card updates to Apple Pay automatically when your card details change. If your bank renewed your card or updated your information, the change may already be reflected in Apple Pay without any action on your part. Before manually editing, open Wallet and check whether the expiration date or other details have already updated.
If your bank supports automatic updates and you see the new information in Wallet, no further steps are needed. If the update did not come through after a few days, you can edit the card manually or contact your bank to confirm they sent the update to Apple Pay.
Troubleshooting updates that do not sync
If you update a card on one device and the change does not appear on another, first check that both devices are signed in with the same Apple ID. Open Settings (or System Preferences on Mac), tap your name at the top, and confirm the Apple ID email matches across devices.
If the Apple IDs match, sign out of iCloud on one device, wait 30 seconds, and sign back in. This forces a sync of your Wallet data. If the card still does not update, remove the card from the device that is not syncing and re-add it. You can also contact your bank to confirm they have not blocked the update on their end.
What information you can and cannot change
You can edit the expiration date, CVV security code, and cardholder name directly in Apple Pay. These are the fields most likely to need updating without a new card number. You cannot change the card number itself through the edit function — if the number changed, you must remove and re-add the card.
You also cannot change the billing address through Apple Pay. If your address changed, update it in your bank's app or website instead. Apple Pay will pull the current address from your bank's records when you make a payment.
Frequently Asked Questions
Do I need to tell my bank before updating my card on Apple Pay?
No. Updating card details in Apple Pay is a change on your device only. Your bank does not need advance notice. However, if your bank issued a new card with a new number, you should update that in Apple Pay as soon as you receive the card.
Will updating my card on Apple Pay affect my credit score?
No. Updating card information in Apple Pay is not a credit event and does not affect your credit score or report. It is a purely administrative change on your device.
What happens if I update my card while a payment is processing?
Payments that are already in progress will use the card details from before the update. Future payments will use the new details. If you are concerned about a payment in flight, wait for it to complete before editing the card.
Can I update a card on Apple Watch without using my iPhone?
No. You must edit the card on your iPhone, iPad, or Mac. Changes made on any of these devices sync to your Apple Watch automatically. You cannot edit cards directly on the watch itself.
Why does my bank keep sending me a new card number instead of just updating the old one?
Banks issue new card numbers for security reasons — after fraud, at regular renewal, or when you request a replacement. A new number requires a new card in Apple Pay because the payment system ties the number to your account. Updating the number in place would create security gaps.