How do I use Apple Pay with my bank account?

Like all credit cards, Apple Card requires that you have a bank account for making payments. As you might expect, Apple makes it easy to select a bank account for ‌Apple Card‌ payments using the Wallet app on your iPhone.

You can add multiple bank accounts to your ‌Apple Card‌, but the first one that you add becomes your default bank account for making payments. To add a bank account, you'll need your bank account number and bank routing number. With those ready to hand, simply follow these steps.

1. Launch the Wallet app on your ‌iPhone‌.
2. Tap your ‌Apple Card‌.
   
   
3. Tap the black ellipsis button (the three encircled dots) in the top-right corner of the screen.
4. Scroll down and tap Bank Accounts.
5. Tap Add a Bank Account.
   
   
6. Follow the onscreen instructions.

If you need to, you can easily delete a bank account from the Bank Accounts screen by tapping Edit and then tapping the red minus (-) button next to the bank account in question. Be aware, though, if you have scheduled payments set up, you'll need to shut those off before you can remove your bank account.

Did you know you can also use any Apple Cash that you've accrued to help make immediate one-time payments to your ‌Apple Card‌? Click here to learn how it works.

o Don’t use the same passcode as you do for your other banking or anything obvious like your date of birth.

• Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay Touch ID and Face ID are trademarks of Apple Inc.

Additional cardholders of personal cards

Additional cardholders are able to register their card for Apple Pay.

Helpful Hints:

• An additional cardholder can set up and use Apple Pay even if Apple Pay is not used by the primary cardholder.
• An additional cardholder can register for Apple Pay before the primary cardholder does. The primary cardholder will only be able to remove an additional cardholder's access to Apple Pay by removing the additional cardholder from the account altogether. If you wish to remove the additional cardholder please contact NAB on 13 22 65 from 8am - 7pm Mon-Fri, or 9am - 6pm on weekends (AEST/AEDT) or +61 3 8641 9083 if you're overseas.
• Where primary and additional cardholders share the same card number, the additional cardholder can only make Apple Pay purchases in store under $100. For purchases of $100 or more, the additional cardholder will need to switch to using their physical card.

Business credit or debit cardholders

All cardholders can register their card for Apple Pay.

Helpful Hints:

• As a facility or business owner, you will only be able to remove a cardholder’s access to Apple Pay by closing the physical card from your account altogether. To remove a cardholder from your business credit or debit card, please contact NAB on 13 10 12 from 8am – 7pm Mon-Fri, or 9am-6pm on weekends (AEST/AEDT) or +61 3 8641 9937 if you’re overseas or by contacting your NAB banker.

Device lost or stolen

If your Apple device is lost or stolen, refer to www.apple.com/au/apple-pay for how you can delete card(s) in Apple Pay or let us know immediately by calling NAB on 13 22 65 (personal) or 13 10 12 (business). Deleting your card from Apple Pay will still allow you to keep using your physical card.

Unlike other credit cards, with Apple Card the only way to pay the bill is through the Wallet app on your iPhone (at least for now). You can't write a check or make a payment from your bank account. To ensure you're able to make your first payment on time, it's a good idea to set up your bank account as your payment option ahead of time. Here's how.

Note: Even if you have your bank account connected to Apple Pay, you'll still need to set it up separately with your Apple Card.

• What you'll need
• How to add your bank account to your Apple Card payment option
• How to remove your bank account from your Apple Card payment option

What you need

In order to set your bank account up as a payment option for your Apple Card, you'll need to know the account number and routing number. The routing number can be found on your physical check.

If like me, you haven't written a check in about 100 years and can't remember where you stuck your checkbook, you're not out of luck. There are a few additional ways you can track down your routing number. Here's how to find your bank's routing number online.

• Some banks include this information in their dedicated apps, so check your bank's app.
• You may be able to find it at your bank's web portal after you sign in with your username and password.
• Your routing number almost always appears on your bank statement, of which you can usually access a PDF online at your bank's web portal.
• If all else fails, talk to a human. You can call your bank and request your account's routing number.

How to add your bank account to your Apple Card payment option

Once you have your bank account and routing number in hand, setting up your bank is fairly simple.

1. Open the Wallet app on your iPhone.
2. Tap your Apple Card.
3. Tap the More button in the upper-right corner. It looks like three dots.

1. Tap Bank Accounts.
2. Tap Add Bank Account.
3. Enter your Routing Number and Account Number.

1. Tap Next.
2. Reinter your Routing Number and Account Number to confirm.
3. Tap Next.

Your bank account number will be saved and ready for use when it's time to pay your bill.

You can add additional bank accounts to your Apple Card payment options by following the steps above for each bank account.

How to remove your bank account from your Apple Card payment option

If you no longer want to connect your bank account to your Apple Card payment options, you can remove it at any time.

1. Open the Wallet app on your iPhone.
2. Tap your Apple Card.
3. Tap the More button in the upper-right corner. It looks like three dots.

1. Tap Bank Accounts.
2. Tap Edit in the upper-right corner.

1. Tap the red Remove button on your bank account.
2. Tap Delete to confirm that you want to remove your bank account.

Note: You'll still need to add another bank account in order to pay your Apple Card bill, so don't remove your bank account unless you have an alternative method of payment in place.

Anything else?

Do you have any questions about adding your bank account to your Apple Card payment option? Put them in the comments and we'll help you out.

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