Update a card directly in the Wallet app on your iPhone
Open the Wallet app on your iPhone and tap the card you want to change. Tap the three dots in the top right corner, then select "Card Details." From there you can edit the cardholder name, expiration date, CVV, and billing address. Make your changes and tap "Done" to save them.
If your card number itself has changed — because your bank issued you a replacement card, for example — you cannot edit the number in Wallet. You will need to remove the old card and add the new one separately. Tap the card, select the three dots, scroll down, and tap "Remove Card." Then add your new card by opening Wallet, tapping the plus sign, and following the prompts to enter your new card details.
Changes you make in Wallet sync across all your Apple devices that use the same Apple ID, so you do not need to update the card separately on your iPad, Mac, or Apple Watch.
Key Takeaways
- You can edit the expiration date, CVV, cardholder name, and billing address directly in the Wallet app without removing the card.
- If your card number changed, you must remove the old card and add the new one — you cannot edit the number itself.
- Updates made in Wallet sync automatically to your other Apple devices signed in with the same Apple ID.
- Your bank may also push card updates to Apple Pay automatically if your card was reissued due to fraud or expiration.
When your bank updates the card for you automatically
Many banks push card updates to Apple Pay without you taking any action. If your card expired or was flagged for fraud, your bank may issue a replacement and send the new details directly to Apple. You will see a notification on your device asking you to confirm the update, or the card may straightforward refresh in your Wallet with the new expiration date or number.
Check your Wallet app after your bank sends you a replacement card. If the update has not appeared within a few days, you can manually add the new card or contact your bank to confirm they have your Apple Pay information on file. Some smaller banks and credit unions do not support automatic updates, so you may need to add the card manually even if you already had it in Wallet.
Add a new card to replace an old one
Open Wallet and tap the plus sign in the top right corner. Select "Credit or Debit Card" and choose how you want to add it — you can photograph the card, enter the details manually, or use a card you have saved in iCloud. Follow the prompts to enter your card number, expiration date, CVV, and cardholder name.
Your bank will then send a verification code to your phone or email. Enter that code to confirm the card, and it will appear in your Wallet ready to use. Once the new card is confirmed and working, you can remove the old card by tapping it, selecting the three dots, and choosing "Remove Card."
Update your billing address in Apple Pay
Tap the card in Wallet, select the three dots, and tap "Card Details." Scroll down to the billing address section and tap "Edit." Change your street address, city, state, or ZIP code as needed, then tap "Done." Your updated address will be used the next time you make a purchase with that card.
Some merchants and payment systems verify your billing address during checkout, so keeping it current reduces the chance of a transaction being declined. If you move or change your address, update it in Apple Pay as soon as possible.
Update payment information on Mac or iPad
On a Mac, open System Settings, click "Wallet & Apple Pay" in the sidebar, and select the card you want to edit. Click the three dots next to the card and choose "Edit Card Details." Make your changes and click "Done."
On iPad, open Settings, tap "Wallet & Apple Pay," select the card, tap "Edit Card Details," and make your changes. The process is the same as on iPhone, and your updates will sync to all your devices within a few minutes.
Troubleshoot when your card will not update
If you see an error message when trying to update your card, first check that you are connected to Wi-Fi or cellular data. Sign out of your Apple ID and sign back in, then try the update again. If the card still will not update, remove it from Wallet and add it again from scratch.
If your bank rejected the update or you received a message that the card could not be verified, contact your bank directly. They may need to reissue the card, confirm your identity, or update their records to allow Apple Pay access. Your bank's customer service line can usually resolve this within a few minutes.
Frequently Asked Questions
Do I lose my card rewards or payment history when I update it in Apple Pay?
No. Updating the card details in Apple Pay does not affect your rewards, points, or transaction history with your bank. Your account remains the same — you are only changing how the card information appears in Wallet.
What if I update my card but the old number still works for online purchases?
Your old card number remains active with your bank until they deactivate it. Updating it in Apple Pay does not stop the physical card or the old number from working elsewhere. If you want to stop using the old card entirely, contact your bank and ask them to deactivate it.
Can I update a card if I do not have the physical card in front of me?
You can edit the expiration date, CVV, and billing address without the card. If you need to change the card number, you will need the new card details, which typically means having the physical card. Contact your bank if you need to update a card you no longer have access to.
How long does it take for an updated card to work in Apple Pay?
Changes to your billing address, expiration date, or CVV take effect when ready. If you are adding a new card, verification usually takes a few minutes to a few hours depending on your bank. You will receive a notification once the card is confirmed and ready to use.
Will updating my card in Apple Pay affect my other payment methods?
No. Each card in Wallet is separate. Updating one card does not change any other cards you have saved, your default payment method, or any other payment information.