Open Wallet, find the card, and tap Edit

To update a credit card on Apple Pay, open the Wallet app on your iPhone or iPad, tap the card you want to change, then tap the three dots (or the info icon, depending on your device) in the upper right corner. Select Edit from the menu that appears. You can now change the card number, expiration date, CVV, or billing address — whichever information has changed.

If you're updating because your card was reissued with a new number (for example, after fraud or a replacement), Apple Pay will usually detect this automatically and prompt you to confirm the new details. You don't always have to hunt for the edit button yourself.

The process takes less than a minute. Once you've made your changes, tap Done at the top right. Your card is now updated and ready to use.

Key Takeaways

  • Open Wallet, select your card, tap the menu icon, and choose Edit to change any card details.
  • You can update the card number, expiration date, CVV, or billing address without removing and re-adding the card.
  • Apple Pay often detects reissued cards automatically and asks you to confirm the new information.
  • Changes take effect immediately once you tap Done — you can use the updated card right away.
  • If your card is lost or stolen, remove it from Wallet entirely rather than just updating it.

When to update versus when to remove your card

Update your card when the information changes but the card itself is still valid and in your possession — for example, a new expiration date after your bank reissues it, a corrected billing address, or a CVV that you entered wrong the first time.

Remove your card entirely (by swiping left on it in Wallet and tapping Delete, or by tapping the menu and selecting Remove Card) if the card is lost, stolen, or compromised. Removing it stops anyone else from using it through Apple Pay, even if they have your phone. You can always add it back later once you receive a replacement.

If you're simply switching to a different card — say, from one bank to another — you don't need to update the old one. Just add the new card to Wallet and use that instead. The old card will sit in your Wallet unused until you delete it.

Updating expiration dates and security codes

When your card expires, your bank usually sends you a replacement with the same number but a new expiration date and sometimes a new CVV. Apple Pay may prompt you automatically to confirm these details, or you may need to enter them manually through the Edit option.

If you're updating only the expiration date or CVV — not the card number — you don't need to remove and re-add the card. The Edit function lets you change just those fields. This keeps your card in the same position in your Wallet and preserves any settings you've customized, like which card is your default for payments.

Your bank may also send you a new CVV in the mail or through their app. Check your bank's communication to make sure you're entering the correct code.

Fixing a billing address or cardholder name

If your billing address has changed — you moved, for example — you can update it through the Edit menu without touching the card number or expiration date. Tap the card, select Edit, and scroll down to find the billing address field.

Some banks require the billing address on file to match exactly what you enter during a purchase. If your payment keeps getting declined and you've checked the card number and expiration date, a mismatched address is often the culprit. Updating it in Apple Pay can solve the problem.

Note that you cannot change the cardholder name through Apple Pay itself. The name on your Apple Pay card is pulled from your Apple ID and cannot be edited in the Wallet app. If you need to change the name on your actual card, contact your bank directly.

What happens if you don't update right away

If your card expires and you don't update it in Apple Pay, your payment will be declined the next time you try to use it. Apple Pay will usually show a notification telling you the card needs attention, but you have to act on it yourself.

Similarly, if your card number changes and you don't update it, transactions will fail. Some banks push the new information to Apple Pay automatically, but not all do. If you receive a reissued card in the mail, it's worth checking Apple Pay within a day or two to confirm the update went through.

Updating promptly keeps your payments from bouncing and prevents the frustration of a declined card at checkout.

Updating on Mac, Apple Watch, or iPad

The steps are slightly different depending on your device. On a Mac, open System Settings, click Wallet & Apple Pay in the sidebar, select your card, and click Edit. On an Apple Watch, open the Wallet app, swipe to your card, swipe up, tap the three dots, and select Edit Card Details.

On iPad, the process mirrors the iPhone: open Wallet, select the card, tap the menu icon, and choose Edit. The fields you can change are the same across all devices.

If you update a card on one device, the change syncs to all your other Apple devices automatically as long as you're signed into the same Apple ID. You don't need to update it separately on each device.

Troubleshooting: Card won't update or changes won't save

If you're trying to edit a card and the changes won't save, first check that you're entering the information correctly — card numbers have no spaces, expiration dates are in MM/YY format, and CVVs are three or four digits depending on your card type.

If the information is correct but the card still won't update, try closing the Wallet app completely and reopening it. Sometimes a temporary glitch prevents the save from going through. If that doesn't work, remove the card from Wallet entirely and add it again from scratch.

If you're updating a card that's linked to a payment plan or subscription (like an Apple Music membership), Apple Pay may lock certain fields to prevent accidental changes that could interrupt your service. Contact your bank or Apple Support if you need to change information on a card with active subscriptions.

Frequently Asked Questions

Do I lose my default card setting if I update it?

No. Updating a card's information does not change its default status or any other settings you've customized. If it was your default card before the update, it remains your default after.

Can I update a card if it's linked to Apple Cash or a payment plan?

Yes, you can update the card information itself. However, if the card is actively funding an Apple Cash balance or a subscription, some fields may be restricted to prevent service interruption. Try updating; if a field is locked, contact your bank or Apple Support for guidance.

What if my bank sent me a new card but Apple Pay still shows the old one?

Open Wallet, select the card, tap Edit, and manually enter the new card number, expiration date, and CVV from your replacement card. Some banks sync automatically, but many require you to update manually. If you're unsure which details changed, check the paperwork that came with your new card.

Does updating my card on Apple Pay change anything at my bank?

No. Updating your card in Apple Pay only changes how the information is stored on your device. Your bank's records are separate. If you need to update your billing address or other account details with your bank itself, you'll need to do that through your bank's website or app.

Can I update a card that's expired?

Yes, you can edit an expired card's information. However, once a card has expired, it won't work for payments even after you update the expiration date in Apple Pay. You need to add the actual replacement card your bank sent you, not just change the date on the old one.