I keep getting message that my new bank card is invalid when trying to add to my Apple Wallet

When a card is entered into Apple Wallet these are usually the basics that are done to make sure the card is valid.

1. Basic checks — card number, card is on Payment Network, card is active,
2. CVC verification — issuer validates security code
3. AVS Check — Address Verification Service determines validity and matches address provided and known addresses
4. Velocity check - (optionally) tried to enter card too many times

The bank and Payment Network Operator (Mastercard , Visa etc.) perform those checks. If they fail, the card is <Invalid>.

Did you remember to activate the new card? Have you recently moved and an address is incorrect? Have you recently travelled and your iPhone is set to the wrong region/country? Are you using a VPN or have antivirus or security software installed?

Is that expired card on any other devices such as Apple Watch or iPad? If so, it needs to be removed from those devices for the 7 day period to begin. The 7 days means you wait 7 days, not add card on 7th day. You need to wait 7 and add on 8th day.

If the error is invalid card, Apple is submitting only your name, card number and expiration date, nothing else, to the Payment Network Operator (Visa, MasterCard, American Express etc.) for validation. If the card is validated, other information is sent for verification including iPhone information, CVV security code and some usage data.

The most common reason for a failed validation is the card wasn’t activated or PNO, doesn’t show it as activated. The bank may show it as activated, but PNO doesn’t. Contact your bank’s support team and they can contact the PNO and figure out why the card is invalid.

Apple is not the card issuer and cannot determine if the card is valid or not. This is the first step in the process of verifying the card. If it fails validation, there is no need to go any further.

Hi, I’m sorry to hear of the challenges you’re facing. A new card updates your account and may be the answer. The fact your physical card works is irrelevant. Apple is submitting the data you enter to your bank and the Payment Network Operator (Visa, Mastercard etc.). Either your bank (or a third party services provider they contract with) or the PNO is sending back the message Apple receives. If the message says invalid, that’s what Apple was told and shares with you.

Ask your bank to remove their token, if any, from your Wallet and then issue a new card. Activate the card, wait a day or two for systems to update and try adding again.

It’s your bank. Ask them to reprovision the card. Invalid cards aren’t ready to be added to Apple Wallet.

It’s an issue with the bank that issued the card. An invalid card may be a card that has not been activated with the bank or the Payment Network Operator (Visa, Mastercard etc.).

If you entered any of the information incorrectly or different from what the issuing bank has on file. You can bypass this step by using the bank’s mobile app or website to add the card. Errors or incorrect information will result in card being rejected.

Lastly, the bank’s servers are not responding or slow to respond. This sometimes happens on weekends and early mornings when server maintenance is performed.

Please call the bank that services the card and inquire about the card. The card may need to be reprovisioned on the banks side.

This isn’t an Apple issue. An error message that says <Invalid> is a bank issue. Contact the support team at the issuing bank using phone number printed on the back of the card

Regions, iOS updates etc are what you need to do on your end. The bank has to have the card ready to add to Apple Pay. The error of invalid, indicates a compatibility with Apple Pay. For example, when I enter a card issued by a bank that does not support Apple Pay, I’ll get that message. The bank just needs to reset somethings on their end and it should be able to be added.

Have you looked in your Wallet in Previous Cards to see if it’s listed there?

It sounds like it’s on the banks end. They need to have the account information ready to add to Apple Pay. Are you following the instructions in the support article I linked below?

Set up Apple Pay - Apple Support

Did you remove the old card that the new one replaced?

If the error is invalid card, Apple is submitting your name, card number and expiration date, nothing else, to the Payment Network Operator (Visa, MasterCard, American Express etc.) for validation. If the card is validated, other information is sent for verification including iPhone information, CVV security code and some usage data.

The most common reason for a failed validation is the card wasn’t activated or PNO, doesn’t show it as activated. The bank may show it as activated, but PNO doesn’t.

There’s nothing to fix. In the vast majority of cases the issues is on the banks end and is related to their anti fraud algorithm used to evaluate and approve the card being added to Apple Wallet.

Same thing happening to me "Invalid Card" - called my bank and even Visa, no one says it is them. My ATM card expired and was just trying to replace it in my wallet with the new one but keep getting Invalid Card. Bank says they get nothing coming from apple, my card can be used on cashapp and venmo just fine but not apple pay. And only once my card expired. My new card has the same number but different expiration and security code, however every time I try and re-add the card it auto populates the old expiration date(which is expired). It does allow me to change it to the new date however this makes me wonder if there is something on apple's end. I have done 90min of trouble shooting with apple including changing regions and deleting my wallet and adding back however everyone is pointing fingers at each other at this point with no solution.

Same thing on my end. My card expired in May. I got a new one about midway through the month, but I held off updating the payment method until last Friday since that was the last day of the month. The new card works everywhere except with Apple Pay. This inconvenience has forced me to use my Apple Card for Apple Pay transactions now. I have tried repeatedly to add the card for the past several days, but it will not go through. I called Apple and my bank and there are no problems according to the agents on both ends. I was told though that Apple apparently has some sort of unannounced safeguard in place that will not allow cards with the same number but different expiration and CVV code to be entered in the Wallet too close together. Supposedly, the error should magically go away after seven days. Today is the seventh calendar day since I attempted the change, and it still won't work. Maybe they mean seven business days. Either way, it's ridiculous!