Update your expired card directly in the Wallet app on your iPhone or iPad
When your credit card expires, Apple Wallet does not automatically remove it or update it for you. You need to delete the old card and add the new one yourself, or edit the expiration date if your bank sends you a replacement card with the same number. The process takes about two minutes and happens entirely within the Wallet app on your device.
Apple does not notify you when a card is about to expire, so set a phone reminder when your bank sends the new card in the mail. If you try to use an expired card for Apple Pay or in-app purchases, the transaction will fail and you will see an error message telling you the card has expired.
Key Takeaways
- Open Wallet, tap the card that expired, tap the three dots, and select "Edit" to update the expiration date if your bank issued a replacement with the same card number.
- If your bank issued a new card number, delete the old card from Wallet and add the new one by tapping the plus icon and scanning or typing the details.
- Your bank may push the new card information to Apple automatically through a process called over-the-air provisioning, which sends you a notification to accept.
- Removing an expired card from Wallet does not affect your account with the bank or your credit score — it only stops the card from working in Apple Pay.
- If you see a notification that your card needs attention, tap it immediately to update the details before the card stops working.
Edit the expiration date if you kept the same card number
When your bank sends a replacement card with the same number but a new expiration date, you can update it without deleting and re-adding the card. Open the Wallet app on your iPhone or iPad, find the card that expired, and tap it to open the card details.
Tap the three dots (or the ellipsis menu) in the upper right corner of the card, then tap "Edit Card Details." Update the expiration date to match the new card, then tap "Done." Apple will save the change immediately, and the card will work in Apple Pay again.
If your bank also changed the CVV (the three-digit security code on the back), update that field as well before you save. You can find the CVV on the back of your physical card.
Delete the old card and add the new one if the number changed
If your bank issued a completely new card number, you need to remove the expired card from Wallet and add the new one. Open Wallet, tap the expired card, tap the three dots, scroll down, and tap "Remove Card." Confirm that you want to remove it. The card will disappear from Wallet immediately.
To add the new card, tap the plus icon in Wallet (or the plus sign in the upper right corner, depending on your iOS version). You can either hold your iPhone over the new card to scan it automatically, or tap "Enter Card Details Manually" and type the number, expiration date, and CVV yourself. Apple will verify the card with your bank, which usually takes a few seconds.
After verification, you may need to confirm your identity by answering security questions or entering a code that your bank texts to you. Once that is complete, the new card will be ready to use in Apple Pay.
Accept automatic card updates from your bank
Some banks use over-the-air provisioning to send updated card information directly to Apple Wallet without you having to do anything. If your bank supports this, you will see a notification on your iPhone saying something like "Your card details have been updated" or "Action required for your card."
Tap the notification to review the new expiration date or card number, then tap "Accept" or "Confirm" to update it in Wallet. This process is more secure than manually entering the details because the information comes directly from your bank's system, not through a website or app.
Not all banks offer this feature yet. If you do not see a notification after your bank sends a replacement card, you will need to update it manually using the steps above.
What happens if you do not update an expired card
If you leave an expired card in Wallet and try to use it for Apple Pay or an in-app purchase, the transaction will fail immediately. You will see an error message that says the card has expired or is no longer valid. The merchant or app will not charge you, and no money will leave your account.
An expired card in Wallet does not affect your credit score or your account with the bank. The card simply stops working for payments. You can leave it in Wallet indefinitely if you want, but it serves no purpose once it expires. Most people delete it to keep their Wallet organized and avoid accidentally trying to use it.
Troubleshooting: Card will not update or add
If you try to edit the expiration date and Apple will not save the change, or if you try to add a new card and it keeps failing verification, the problem is usually on your bank's side. Some banks flag new or replacement cards for security reasons and require you to verify them through the bank's own app or website before they will work in Apple Pay.
Open your bank's mobile app and look for a section called "Cards," "Manage Cards," or "Apple Pay." If there is a prompt to verify or activate the card, complete that step first. Then go back to Wallet and try adding or updating the card again.
If the card still will not work, contact your bank's customer service number (on the back of your physical card or on your statement). They can confirm whether the card is active, check for any blocks on Apple Pay, and manually push the card information to your device if needed.
Frequently Asked Questions
Will updating my card in Apple Wallet affect my credit or my bank account?
No. Updating or removing a card in Wallet only changes what is stored on your phone. Your bank account, credit score, and the card itself are not affected. The card remains active at your bank whether it is in Wallet or not.
Can I update an expired card on my Apple Watch?
You cannot edit cards directly on the Watch. Open Wallet on your iPhone, update the card there, and the change will sync to your Watch automatically within a few seconds. You can then use the updated card for Apple Pay on the Watch.
What if my bank sent a new card but I have not received it yet?
Wait until the physical card arrives before you try to add it to Wallet. You will need the card number, expiration date, and CVV from the card itself. If your bank offers over-the-air provisioning, you may receive a notification before the card arrives in the mail, and you can accept that update right away.
Do I need to update my card in other apps like Uber or DoorDash?
Yes. Updating your card in Apple Wallet does not automatically update it in other apps or websites. You will need to go into each app or service separately and update the payment method there. Some apps may prompt you to update when the card expires, but most do not.
Can I have two versions of the same card in Wallet at the same time?
Yes, but it is not useful. If you add both the old expired card and the new replacement card, Wallet will let you keep both. However, the old one will not work for payments, so there is no reason to keep it. Delete the expired card to avoid confusion.