Connect Apple Pay to a bank account and routing number

Hey there Canephile,

You cannot use a bank account with Apple Pay; however, you can transfer money from Apple Cash to your bank account.

Transfer money in Apple Cash to your bank account or debit card - Apple Support

For more details on what you need to use Apple Pay:

"To use Apple Pay, you need:

• A compatible device1 with the latest version of iOS or iPadOS, watchOS, or macOS.
• A supported card from a participating card issuer.
• An Apple ID signed in to iCloud2.

Learn if your country/region supports Apple Pay. To check if your card is compatible with Apple Pay, contact your card issuer."

For more details regarding Apple Pay: Set up Apple Pay - Apple Support

Take care!