How To Add Money To Apple Pay Without Debit Card On Your Phone?

When it comes to iPhone users, Apple Pay is the most convenient method to send money to other account but it seems like most of you are still unaware of how to add money to Apple Pay without debit card?

How To Add Money To Apple Pay Without a Debit Card

It is common for users to link a debit card to their Apple Pay account to fund the transactions. However, it is not a necessity.

You can easily add money to your Apple Pay account without a debit card by using a credit card instead.

1. Open Wallet App in your iPhone and click on Apple Cash Card.
2. Then tap on Add Money and provide the amount of money that you want to transfer.
3. Provide details of a US-based credit card that you want to use to transfer funds.
4. Confirm the transfer with verification.

Alternatively, you can use a bank account to transfer money to Apple Pay. You just need to ensure that Apple Pay supports your account and then you are good to make this transfer just like any other fund deposit from bank account works.

Lastly, you can request others to top-up your balance in Apple Pay. They can then easily and quickly send money to your Wallet using their Apple Pay or bank account.

Check Apple Pay Balance After The Deposit

As soon as you are done transferring money into Apple Pay, you should check if the funds have reached your account successfully.

1. Open the Wallet App in your phone.
2. Tap on Apple Pay Cash Card option.
3. Then click on the three horizontal dots at the top right corner of the screen. This would open then Card Settings.
4. Locate Add Money tab. The current balance of your account would be mentioned under this tab.

How To Use The Apple Pay Cash Balance

You can use the Apple Pay Balance in various ways. It can be shared with friends, used for shopping, online bill payments and much more. Here are a few things you can do with the funds you have in your Apple Wallet.

Send Money To Your Friends In Messenger App

1. Open the Messages App on your iPhone and tap on the field where a new conversation is added.
2. Click on App Store icon and then tap on Apple Pay button.
3. Provide the amount of money that you want to send to your contact.
4. Click on the Send button.
5. Review the information and choose to continue or cancel the transfer.
6. Confirm the transfer through verification.

Pay In-Store With Face ID

1. Open Wallet App.
2. Double-click on side button to use the funds.
3. Authenticate with Face ID.
4. Tap your iPhone close to the contactless reader.
5. Wait for Done to appear on the screen.

Pay In-Store With Touch ID

1. Open Wallet App.
2. Double-click on side button to use the funds.
3. Authenticate with Touch ID.
4. Tap your iPhone close to the contactless reader.
5. Wait for Done to appear on the screen.

Make Payments Using Your Apple Watch

1. Double tap on the side button of your Apple Pay debit card.
2. Hold the Apple Watch close to the contactless reader.
3. Wait for Done to appear on the screen.

Send Apple Cash To Bank Account Instantly

1. Move to your Card information section.
2. Tap on Transfer to Bank option on the screen.
3. Provide the amount of money that you wish to transfer.
4. Tap on Instant Transfer.
5. Confirm the transaction through verification.

Send Apple Cash to Bank Account via Standard Transfer

1. Move to your Card information section.
2. Tap on Transfer to Bank option on the screen.
3. Provide the amount of money that you wish to transfer. Tap Next.
4. Tap on 1-3 Business Days.
5. Confirm the transaction through verification.
6. Wait for the funds to be transferred for up to 3 days.

Extra Reading

Apple Pay – In a Nutshell

Apple came up with a perfect solution to keep users away from physical wallets and paper cash: The Apply Pay Service.

• The service accepts deposit from debit cards, credit cards, and selective other accounts.

Once you have the money in your account, you can use for various transactions, shop in-store, send funds to others, and much more.

Who Is Eligible For This Payment Service?

The next question is that who can open an Apple Pay account? Although age is not a requirement here, there is a long list of other things that you need to keep in mind.

1. An eligible device with the latest iOS, watchOS, or macOS.
2. An Apple ID that is signed into iCloud2 service.
3. A linked debit card or credit card from an eligible card issuer.

Attention! Kindly visit the official Apply Pay Supported Region Page to confirm that the service is available in your country/geographical location.

Steps To Set Up An Apple Pay Account

It is quite easy to activate this service on your Apple devices once you have made sure that you are an eligible user.

1. Open Wallet App in your iPhone and tap on Apple Pay Cash Card option at the top of the page.
2. Then locate and click on Set Up Apple Pay Cash.
3. Go through the Terms and Conditions section before clicking on Agree. This button would be present at the bottom-right corner of the screen.
4. It would take a few minutes to set up. After that click on Add Debit Card*.
5. Provide necessary Debit card information such as its account number, expiry date.
6. Verify your identity by sharing full name, date of birth, social security number, etc.
7. Then click on Continue and your Apple Pay Cash account would be set up.

(*Step 4 is not mandatory. You can choose to add the card later on but it would be required if you wish to transfer funds from debit or credit card to your Apple Pay Balance).

Funds Deposit In Apple Pay Through Money Transfer Apps

There are some mobile money transfer applications that approve fund deposits to Apple Pay. For example, your can use Cash App to send money to Apple Pay but this method does not function directly.

• You need to link Cash App and Apple Pay through an eligible bank account to transfer money between the two.

1. Open Apple Pay and link it to an eligible bank account.
2. Then open Cash App and provide the same bank account details.
3. Transfer money from Cash App to the Bank.
4. Wait for the funds to reach your account.
5. Now transfer the money from bank account to Apple Pay.

The Bottom Line

Apple Pay is a simple money transfer service that you can use via iPhones, iPads, Apple Watches, and Mac computers. You are only supposed to link the account with a legit debit or credit card and then you are good to go!

Consequently, you can add money to your Apply Pay account and then use it for various transactions as per need.

Frequently Asked Questions About How To Add Money To Apply Pay Without a Debit Card

How can I deposit money into my Apple Pay account?

It is easy to add money into your Apple Pay account. You just need to open the Wallet app in your iPhone and then click on Cash card. Press add money and provide the amount that you want to transfer.

In the next step provide the details of the account, prepaid or debit card, from which you have to transfer the funds. Confirm the transaction and you will receive the due amount shortly.

Can you send money from bank account to Apple Pay?

Yes. Tap on Settings and move to Wallet app in your Apple phone. Then click on the three horizontal dots and tap Add Money. Provide the amount of money along with the bank account details and confirm transfer to cash card.

Can I use Apple Pay to take out money at an ATM?

You can use the iPhone to take out money at an ATM. You have to click on Wallet and then tap on debit card. Hold the phone close to contactless reader on the ATM machine and activate the transfer via Touch ID.

Provide ATM PIN and you would have the amount in your hands instantly.

What stores accept Apple Pay?

Apple Pay is now an accepted form of payment at many stores in the US including Best Buy, Disney, GameStop, Lucky, Depot, KFC, Safeway, CVS, Taco Bell.

Is Apple Pay safe to use?

Apple payment system has a tight security setup. It work with encryption on your device. The Find My iPhone feature also allows you to disable the mobile wallet in case your phone gets stolen.