Apple wallet sending verification code to wrong number

Yes, adding cards through the bank’s website or mobile app bypasses the additional verification step your bank may be requiring. But it doesn’t fix the root cause. Your bank has the wrong contact information for you.

>>Adding additional verification

A card issuer can decide whether a credit or debit card requires additional verification. Depending on what’s offered by the card issuer, the user may be able to choose between different options for additional verification, such as a text message, email, customer service call or a method in an approved third-party app to complete the verification. For text messages or email, the user selects from contact information the issuer has on file. A code is sent, which must be entered into Apple Wallet, Settings or the Apple Watch app. For customer service or verification using an app, the issuer performs their own communication process.<<

Legal - Apple Pay & Privacy - Apple

It’s great that you took the time to write your post and share you experience and method of resolving the issue.

I just wanted to add to your comment what the root cause of the issue is. Many community members have had this issue in the past. Fortunately a core group of volunteers are closely monitoring the community now and understand the issue and post regularly the solution for the last year or so.

Your advice of adding the card through the issuing banks mobile app or website is 100% accurate. Unfortunately, the majority of banks do not have the feature of adding cards through their mobile app (or website) enabled.

I agree, the support teams at most banks and even some of Apple Supports team members are not fully trained. But that doesn’t change the fact that only the bank can verify or add their card. The data the bank uses for verification is well documented in several sources and is readily available online. Unfortunately, it’s usually buried within lengthy articles.

Thanks again for your contribution and I hope you enjoy the remainder of the holiday. 😀

Restated:

ALL in-wallet card verifications are conducted by the card issuer with the info they have on-file.

If your address or phone number ever change, ALL card issuers must be notified independently.

This notification is NOT a function of Apple Wallet.

Gotcha; glad you're back up and running.