if you have Apple Cash set to pay towards the Apple Card balance then your Apple Cash might read zero.
Turn payments with Apple Cash on or off
If you want to pay from only your bank account without using your Apple Cash balance:
- Open the Wallet app on your iPhone and tap Apple Card.
- Tap Pay.
- Choose a payment amount and tap Pay Now.
- Tap your bank account, then turn Apple Cash on or off.
- Tap the Back button, then authenticate with Face ID, Touch ID, or passcode to make a payment.
If you don't have an Apple Cash account, learn how to set one up.
If you already did that and it is not showing up then sign out of your Apple ID and back in.