You can add money to Apple Pay via Apple Cash without a debit card by using a prepaid card that is compatible with Apple Pay. You can also have someone else send money to your Apple Cash account.
This post will show you how to add money to Apple Pay without a debit card. I’ll explain how to make this happen while highlighting how Apple Cash works with Apple Pay and your options to get money on your Apple Cash card.
Let’s get to it.
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Key Takeaways
- You can only add money to your Apple Cash card in Apple Pay by using a debit card or prepaid card, and you can’t use a credit card.
- Not all prepaid cards will work with Apple Pay, so you need to ensure it’s an accepted form of payment to add money to Apple Cash.
- Gift cards, even Apple Gift Cards, won’t work for adding money to Apple Pay.
How to Add Money to Apple Pay without Debit Card
Before diving into the details of this question, it’s important to note some details about Apple Pay. You can’t actually add money to Apple Pay, but instead, you can add cash to Apple Cash, which is a part of Apple Pay.
Apple Cash allows you to send and receive money from other people. You can use an Apple Cash card as the payment method for your Apple Pay account, but you must have a balance on the card for it to work.
Many people think adding money directly to Apple Pay is possible, but this is a bit misleading because Apple Cash is a separate aspect of the app and feature. Regardless of the details, it’s still easy to do.
It’s also critical to know that you can only use a debit card or prepaid card to add money to your Apple Pay account. You cannot use a credit card or gift card, even if that gift card is directly from Apple.
And if you don’t have Apple Cash set up, you’ll need to take care of that before you can add money to the account. To do this, simply click on the Apple Cash card in your Wallet app on your iPhone.
Follow all the steps to set up the Apple Cash account, and then you can start adding money to it.
To add money to Apple Pay without a debit card, follow these steps:
1. Set up your Apple Cash card if you have yet to do so
2. Open the Wallet app on your iPhone
3. Tap the Apple Cash card
4. Tap the More button, which is the circle with three dots in it at the top right of the screen
5. Tap Add Money
6. Select the prepaid card that you have stored in your wallet. If you don’t have a prepaid card stored, you’ll need to do this before adding any money to Apple Cash.
7. Select how much money you want to add to the Apple Cash card
8. Tap Add
9. Confirm the billing address of the prepaid card you are using
10. Follow the steps to confirm with your passcode, Face ID, or Touch ID
You can also have other people who have an Apple Cash account send you money. This is another option to add money to Apple Pay without a debit card.
You could give a friend or family member cash, and then they can transfer that amount to you via Apple Cash. This is a slight workaround if you don’t have a debit card or prepaid card that will work with Apple Pay.
This option is also really simple, and your Apple Cash card should be set up to accept payments from other people automatically. Once they send the money your way, you should see it on your Apple Cash card in a matter of minutes.
How to Add Money to Apple Pay from Bank Account
You technically can’t add money to Apple Cash from a bank account. The only way to do this is by using a debit card associated with your Apple Cash account. The debit card is connected to your bank account, and payments from the card withdraw from the account.
If you don’t have a debit card, you won’t be able to add money directly from your bank account to your Apple Cash card. You can use the other methods described in the section above to add money to your account rather than directly from your bank account.
FAQs
Here are a few quick answers to some of the most commonly asked questions related to how to add money to Apple Pay without a debit card.
How do I deposit money into Apple Pay?
Apple Cash is the associated feature with Apple Pay that allows you to add cash and use it for payments. You can deposit money into this by receiving it from other people or adding directly using a debit or prepaid card.
Can you add money to Apple Pay with bank account?
You can send money from your Apple Cash account to your bank account, but you can’t add money to Apple Cash from your bank account. You must use a debit or prepaid card to add money to Apple Cash within Apple Pay.
Why can’t I use I add money from my bank account to Apple Pay?
You need to ensure that the debit card you have set up with Apple Cash and Apple Pay is approved for this use by your bank. And you can only add money from your bank account using a debit card, not the account number itself.
Do you need a bank account for Apple Pay?
You need a bank account for Apple Pay because you need to have a debit or credit card associated with the account. This is a standard requirement that you really can’t get around and is typical of just about any mobile payment option.
Final Thoughts
Adding money to an Apple Cash account associated with Apple Pay is easy, and it’s still technically possible if you don’t have a debit card. You just need to use a prepaid card or have someone else send you money using Apple Cash.
If you don’t have a debit card for whatever reason, you can still use Apple Pay and Apple Cash. But it’s much easier to use these apps if you do have a debit card set up with the accounts.
Why don’t you use a debit card with Apple Pay and Apple Cash? Let me know in the comments below.
