Update your card directly in the Wallet app on your iPhone
When your credit card expires, gets replaced, or you need to change the details Apple Pay has on file, you update it through the Wallet app — the same place where your card appears. Open Wallet, tap the card you want to change, then tap the three dots or settings icon in the corner. Select "Card Details" or "Edit" and you can change the expiration date, CVV, billing address, or cardholder name. The changes save when ready once you confirm them.
If your card issuer — the bank or credit company that issued your card — has already sent you a replacement card in the mail, wait until you have the physical card in hand before updating. You will need the new expiration date and CVV from the back of the card. Do not try to update with information you do not yet have; Apple Pay will reject incomplete entries.
On an iPhone, the Wallet app is usually on your home screen. If you cannot find it, swipe down from the top of the screen and search for "Wallet" by name. Tap it to open, then look for your card in the list.
Key Takeaways
- You update card details by opening Wallet, selecting the card, tapping settings, and choosing "Card Details" or "Edit".
- Have your new physical card in hand before you update — you will need the expiration date and CVV printed on it.
- Changes to your card information save when ready in Apple Pay and do not require approval from your bank.
- If your card issuer sends you a replacement automatically, you can update the old card's details or delete it and add the new one separately.
- Updating your card in Apple Pay does not change your actual account with your bank — it only changes what Apple Pay has stored.
When your card expires and your bank sends a replacement
Many banks automatically update your card in Apple Pay when they issue a replacement. You may see a notification in Wallet saying your card has been updated, or you may open Wallet one day and see the new expiration date already filled in. This happens because your bank and Apple communicate directly — you do not have to do anything.
If your bank does not update it automatically, you will need to do it yourself. Open Wallet, select the card, tap settings, and update the expiration date and CVV to match your new card. Your billing address and cardholder name usually stay the same unless you changed them.
Do not delete the old card from Apple Pay until you are certain the new one is working. Make a small purchase with Apple Pay using the new card first, then delete the old one if you want to keep your Wallet clean.
Updating your billing address or cardholder name
If you moved, got married, or need to change the name on your card for any reason, you can update that information in Apple Pay. Open Wallet, select the card, tap settings, and look for "Billing Address" or "Cardholder Name." Tap to edit and enter the new information.
Keep in mind that updating your billing address in Apple Pay does not change your billing address with your bank. If you moved and your bank needs your new address on file for statements or account security, you will need to update that separately through your bank's website or app, or by calling them. Apple Pay and your bank keep separate records.
The same applies to your name. If you changed your legal name, you should update it with your bank directly as well as in Apple Pay. Your bank may require you to provide a legal document proving the name change.
Removing a card from Apple Pay
If you want to stop using a card in Apple Pay — because it expired, you closed the account, or you straightforward do not want it there anymore — open Wallet, select the card, tap settings, and scroll to the bottom. You will see an option to "Remove Card" or "Delete Card." Tap it and confirm.
Removing a card from Apple Pay does not close the account with your bank or affect your credit in any way. It only removes the card from your phone. If you later want to use that card again in Apple Pay, you can add it back by opening Wallet, tapping the plus icon, and entering the card details again.
Adding a replacement card as a new entry instead of updating
Some people prefer to delete the old card and add the new one as a separate entry rather than updating the details. This is fine and works exactly the same way. Delete the old card from Wallet, then tap the plus icon to add a new card. Enter your new card number, expiration date, CVV, and billing address. Apple Pay will recognize it as a different card and store it separately.
The advantage of this method is that you have a clear record of when you switched cards. The disadvantage is that any settings you had on the old card — like which card is your default for payments, or which stores you prefer to use it at — will not carry over. You will need to set those up again on the new card.
Updating Apple Pay on iPad, Mac, or Apple Watch
If you use Apple Pay on more than one device, you need to update your card on each one separately. On an iPad, open Wallet and follow the same steps as an iPhone. On a Mac, open System Settings, go to Wallet & Apple Pay, select your card, and click "Edit." On an Apple Watch, open the Wallet app on the watch itself, select your card, swipe up, tap settings, and update from there.
Your cards are not automatically synced across devices. If you update a card on your iPhone but not on your Apple Watch, the watch will still have the old information. Update each device you use for payments to keep them current.
What to do if Apple Pay will not let you update your card
If you try to update your card and Apple Pay shows an error or will not save your changes, first check that you entered the information correctly. The expiration date should be in the format your card shows (usually MM/YY), and the CVV should be the three-digit number on the back of the card (or four digits if you have an American Express).
If the information is correct but Apple Pay still will not accept it, your card issuer may have blocked the update. This sometimes happens if your bank suspects fraud or if there is a problem with your account. Contact your bank directly to confirm your card is active and that they have not placed any restrictions on it. Once your bank confirms everything is fine, try updating Apple Pay again.
If you still cannot update, try removing the card from Apple Pay completely and adding it again as a new entry. Sometimes this clears up a stuck update. If that does not work, restart your phone and try once more.
Frequently Asked Questions
Does updating my card in Apple Pay change anything with my bank?
No. Updating your card details in Apple Pay only changes what Apple has stored on your phone. Your actual account with your bank is not affected. If you need to change your billing address or other account information with your bank, you must do that separately through their website, app, or by calling them.
Can I update my card if I do not have the physical card yet?
No. You need the new expiration date and CVV, which are printed on the physical card. If your bank sent you a replacement in the mail but you have not received it yet, wait until it arrives before updating Apple Pay. Trying to update with incomplete or incorrect information will cause an error.
What happens to my old card information after I update?
Apple Pay replaces the old information with the new information you entered. The old card details are no longer stored. If you need to go back to using the old card for some reason, you would have to add it to Apple Pay again manually by entering all the details from scratch.
Do I have to update my card on every device I own?
Yes. If you use Apple Pay on your iPhone, iPad, Mac, and Apple Watch, you need to update the card on each device separately. They do not sync automatically. Check each device to make sure your card information is current before you use it for a payment.
What should I do if my bank automatically updated my card but the information is wrong?
Open Wallet, select the card, tap settings, and correct the information manually. If your bank sent you a replacement card with different details than what Apple Pay is showing, update it to match your new card. If the problem keeps happening, contact your bank to ask why their automatic update is not working correctly.