Payment method
How do I set my Apple ID payment method to none so I can download apps
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In direct answer to your question, read this document:
Create or use an Apple ID without a payment method - Apple Support
However, you may well find it doesn't do what you want if you plan on downloading apps:
"Some purchases might require that you have a credit card on file, even if you use your Apple ID balance to make the purchase." - from: What you can buy with your Apple ID balance --> https://support.apple.com/HT211187
For a variety of reasons Apple will almost always require a functional payment method such as a credit or debit card be present when downloading anything from the iTunes or App Stores that isn't totally free, even if the item will be paid for with Apple Account balance. The only solution to satisfy this requirement is to add a valid payment method.
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
'If you can't remove your last payment method or use no payment method with your Apple ID' click here --> https://support.apple.com/HT203905
- If you are updating an old card and have ongoing subscriptions you may need to first add the new card and make it the primary payment method before deleting the old card.