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Do I need a payment method to download a free app?

So I want to download an app, but it won’t let me because supposedly I need to add a payment method. I do not have a credit card or anything like that so I can’t, What do I do?? I’ve tried looking it up on google but nothing works.


[Re-Titled by Moderator]

iPhone 11 Pro Max

Posted on Aug 9, 2023 11:24 PM

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Question marked as Best reply

Posted on Dec 20, 2023 2:29 PM

It won’t let me download anything with out me having a payment method and I never had one before what do I do

197 replies

Mar 25, 2024 6:32 AM in response to Limnos

So if i stated TWICE that apple is trying to charge my card $30 for trying to download a FREE app AND HAVE, how can it be speculation?? I checked all my subscriptions..NOTHING is $30. This has been goin on since I had my XR, got a new phone thinking the problem would’ve been solved..NOPE same thing. Can’t be a speculation if I have literal proof of it happening. Starting to think apple is trying to take money from people for whatever reason. Maybe cause their products are going to absolute garbage. Apple wouldn’t be apple without its customers and problems like this is gonna cause them to lose customers. New phone, same problems.

Mar 28, 2024 4:52 PM in response to Limnos

Are you sure? Because not only am I required to add a payment method, but my phone has allowed me to download an app without a payment method before. So I don’t understand why suddenly I can’t do that anymore. The weird thing is, the rest of my family does not need a payment method to download an app. Can you explain what the change was for my iPhone?

Mar 28, 2024 4:55 PM in response to Limnos

Are you sure? Because not only am I required to add a payment method, but my phone has allowed me to download an app without a payment method before. So I don’t understand why suddenly I can’t do that anymore. The weird thing is, the rest of my family does not need a payment method to download an app. Can you explain what the change was for my iPhone?



Apr 5, 2024 7:22 AM in response to J-B1999

There are no charges without authorization. Anytime a purchase is made, you need to physically double click the side button, followed by authorization using either Face ID, Touch ID, or your passcode. This is not something that can be done by accident. Some apps offer free trials that would need to be cancelled 24 hours before the trial ends, so I would recommend not using a free trial if you are likely to forget to cancel.

Apr 7, 2024 3:59 AM in response to SleviraJ35

I’ve never had this problem until just then. The app is free. I tried adding my card but the red writing next to the card said (Apple Pay) and (failed) I have no idea what this means. I don’t have any money in my account at the moment, is that the problem? I’ve also seen people say to pick the “none” option but there is no “none” option.

Apr 7, 2024 8:03 AM in response to User12_34

User12_34 wrote:

I’ve never had this problem until just then. The app is free. I tried adding my card but the red writing next to the card said (Apple Pay) and (failed) I have no idea what this means. I don’t have any money in my account at the moment, is that the problem? I’ve also seen people say to pick the “none” option but there is no “none” option.

The card that you add to Apple Pay does need to be valid with money in your account if it is a debit card. To verify the payment method Apple will attempt to do a small dollar amount charge that will just show as pending. This pending charge will go away after a short time and never be processed to actually deduct the charge from your account.


Some cards need to have the bank the card is issued from activate it for use with Apple Pay. You will need to contact the bank to verify that it is set up for use with Apple Pay.


If you receive a message that a valid payment method is required, you will need to add a card and "None" will not be an option.

Apr 20, 2024 11:36 AM in response to KenzieLove567

KenzieLove567 wrote:

This has been going on with me for a while I’m using Apple Pay but it’s not working it did say a app owes 17 dollars I didn’t know what app so I deleted all apps I don’t need and it is still saying that so how did u fix it?

Deleting an app does not remove the requirement to pay for it. If you go to https://reportaproblem.apple.com it will list all of your purchases.

Do I need a payment method to download a free app?

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