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

My bank sent me a new card since the previous one was about to expire and I can’t add the new card to my wallet even if the card is active and I already did online transactions with different methods I keep getting a message saying invalid card


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Posted on Feb 11, 2024 8:39 AM

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Posted on Jun 7, 2024 5:32 AM

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?


52 replies

Nov 15, 2024 8:34 AM in response to countrylizzard

To totally separate functions. Apple Wallet is utilized by Apple Pay, which is a payment service between your card in the wallet, through the merchant to the payment network (Visa, Mastercard etc.) and finally to your bank. Apple’s service protects your personal and financial information from hackers and scammers.


Apple Account is Apple the merchant storing your payment information for exclusive use on Apple.com/store and iTunes, App Store, and the myriad of products and services Apple offers.

Mar 26, 2024 4:57 PM in response to draksalmarmed48

I have same problem, also I did all steps that you telling until calling the bank, also I want it to issue a replacement for a lost card, and repeat all steps again, but still I can't add my new card, but when I add another card like the visa prepaid card or digital Visa card , the wallet app is adding on it so I sure is the problem not with my bank


so what you think where the problem ?

my version iPhone IOS 17.4.1

just when I do this version appeared to me this problem (can't add card in Apple Pay)

Aug 3, 2024 5:02 AM in response to draksalmarmed48

I just got a new phone and my debit card stopped working with Apple Pay. The card has not changed. I deleted it and tried to reenter it in Wallet and it keeps getting rejected as invalid. The only difference is my phone, therefore this seems like an Apple problem. I did call the bank and they could not see an issue, and confirmed the card is valid and active. So excited to figure out the resolution to the mystery...

Oct 7, 2024 6:00 AM in response to draksalmarmed48

Same problem. Back and forth with Apple and the bank and one keeps blaming the other. Looks like an issue affecting newly issued card, since I was able to remove and re-add older ones (including one credit card from the same bank).


Don't even bother going through their 1st line troubleshooting (where they usually blame your device), it's a waste of time and effort.


This is something that needs to be sorted between Apple and Visa, I am very surprised they haven't acknowledged the problem yet.

Nov 15, 2024 6:46 AM in response to draksalmarmed48

I am having this same issue. I have a new expiration. I deleted the old card, waited 10 days to try again. I am getting the invalid card message. I have contacted the bank 5 times, each time I get a new representative. They all say the same thing. There is nothing on their end that is causing this issue. I have been able to add this card to every other platform except apple wallet. I have even read through this post and used the words used here by Jeff Donald to have the bank reprovision the card. Again they say there is nothing on their end and they only solution they can offer is maybe get a new card and hope the new card can be entered. But the card works every where else. I'm assuming I'm just venting here as I will get the same response as everyone else that it is the bank and not apple.

Nov 15, 2024 8:59 AM in response to Jeff Donald

Oh that makes sense. Its on apple account just not verified on apple wallet. Im worried it wont take my subscription on icloud + that comes out tomorrow because its not verified yet on apple pay. I do have money on the apple account though from gift cards. Sometimes I add money to it from my card to the account BUT I prob wont be able to add money to the account until I get apple pay verified I would think. Hence why I have to go in to the bank to have them verify it

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

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