How to Add Money to Apple Pay without Debit Card on iPhone (2022)

Here's how to add money to Apple Cash without a debit card or bank account on an iPhone.

Want to know how to add money to Apple Cash? If you're an Apple Pay user, you may be wondering, "can I use Apple Pay without a debit card?" Yes, you can add money to Apple Cash without a debit or credit card, or even a bank account! 

Related: How to Transfer Money from Apple Pay

After you set up Apple Pay on your iPhone, you can use your Apple Cash balance to securely send money, pay for goods and services, or even transfer Apple Cash to your bank account. But first, of course, you'll need an Apple Cash balance! For more great Apple Pay, Apple Cash, and Apple Wallet tutorials, check out our free Tip of the Day. Now, let's go over how to add money to Apple Pay without a debit card or bank account on your iPhone.  

Have a Friend Send Money through Apple Pay

If you want to add money to Apple Cash but don't have a bank account, you can get a friend, family member, or customer to pay you with Apple Cash for goods and services; it's easy to send money in Apple Pay to accomplish this! You can also give someone cash, and they can send money through Apple Pay. 

Use a Pre-Paid Card to Add Money to Apple Cash

You can't add money from a gift card to Apple Cash, even if you've already added that card to Apple Wallet. You can, however, add money to Apple Cash without a debit card by using a pre-paid, reloadable card that is approved to work with Apple Pay. Several reloadable pre-paid cards from major providers are compatible with Apple Pay, including Brinks Prepaid Mastercard, NetSpend Visa Prepaid Card, Serve American Express Prepaid Debit Account, and more. As with a payment from another person, the minimum amount you can transfer with Apple Pay is $10. Also, many of these cards have a monthly or annual fee. Here's how to get and add money to Apple Cash with a pre-paid debit card.

  1. Check with the reloadable pre-paid card provider to be sure that the card can be added to Apple Cash before purchase.
  2. Purchase or sign up for your pre-paid reloadable card. 
  3. Register your card (you'll need to enter your name, date of birth, email address, and possibly more).
  4. Now, add the card to Apple Wallet
  5. Once your reloadable pre-paid card is in Apple Wallet, set it as your default card so you can add money to Apple Cash from it.
  6. Now, in the Wallet app, tap Cash.

    tap apple cash in the wallet app
  7. Tap the More icon.

    tap the more icon in apple cash
  8. Tap Add Money.

    tap add money in apple cash
  9. Select the amount of money you'd like to add from your pre-paid reloadable card.
  10. Tap Add.

    tap add in apple cash
Master your iPhone in one minute a day: Sign up here to get our FREE Tip of the Day delivered right to your inbox.


Author Details

Leanne Hays's picture

Author Details

Leanne Hays

Leanne Hays is a Feature Writer at iPhone Life, and has written hundreds of in-depth how-to and troubleshooting articles. She's a former Associate Editor for iPhone Life magazine, and has written for the Iowa Source, as well as web content for education marketing. Leanne has an associate's degree in education, with a focus on curriculum development, as well as a bachelor's degree in science. She has over nine years of experience with SEO, social media management, and web development and writing. Despite years of web work, Leanne is by no means an early adapter; she's only owned a smartphone for five years, which makes her highly sympathetic to the learning curve of new iPhone owners. She enjoys making reader's lives easier and putting her education experience to work by walking them through the most practical ways to use Apple devices, step-by-step.

In off-work hours, Leanne is a mother of two, homesteader, audiobook fanatic, musician, and learning enthusiast.