Can’t but app
I can’t use the money in my Apple ID to buy a game I have no other payment methods on file and it still says unable to purchase
iPhone 12 Pro, iOS 14
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If you are buying something that isn't completely free you will need a payment method even if you intend to pay for the item entirely with your Apple Account balance.
This document explains how to 'Change, add, [review,] or remove Apple ID payment methods' on an Apple mobile device, a Mac, or a PC; click here --> https://support.apple.com/HT201266
Additional resources:
'Payment methods that you can use with your Apple ID' --> https://support.apple.com/HT202631