My atm card can’t be added

This could be a colloquialism, but technically and ATM Card is different from a debit card that is associated with a checking account and occasional savings account. If it is a >true< ATM card it is restricted to use at ATM machines. This would prohibit it from being added to Apple Wallet/Apple Pay. A debit card associated with a checking or savings account can be added to Apple Pay/Apple Wallet. Debit cards can be used at merchants that accept the network they are on (MasterCard, Visa, Discover, AmEx).

So, do you have an ATM card or a debit card?

Are you in a country or region that support Apple Pay?

Countries and regions that support Apple Pay - Apple Support

Does your financial institution support Apple Pay? If in Canada, Latin America or US, please use this list. If not in US etc. follow the links in the article to your country or region.

Apple Pay participating banks in Canada, Latin America, and the United States - Apple Support

If you’ve confirmed the above, please update your iPhone to the latest iOS, 16.4.1 or higher. Older iPhones may only support 15.7.5, but Apple Pay will function.

Update iOS on iPhone - Apple Support

Once updated, please do a forced restart of your iPhone.

Force restart iPhone - Apple Support

Make sure your are signed into your Apple ID/iCloud account on your iPhone.

Follow the steps in this support article for adding credit/debit cards to your Wallet.

How to add a debit or credit card on your iPhone

1. In the Wallet app, tap the Add button .

• • Tap Debit or Credit Card to add a new card.
  • Tap Previous Cards to add a card that you used previously.

1. Tap Continue.
2. Follow the steps on the screen to add a new card.
3. Verify your information with your bank or card issuer. They might ask you to provide more information or to download an app before approving your card for use with Apple Pay.
4. If you have a paired Apple Watch, you have the option to also add the card to your watch.

To remove a card from the Previous Cards screen, tap Edit > Remove button  > Delete. Then, tap Delete Card to confirm and remove the card from all your devices.