Cannot remove/add payment method; no funds
- “I don’t have money on my card and I can’t remove or add a payment method”
iPhone 14 Pro
See this article for information about updating payment methods on various platforms (iPhone, Mac, etc.): If you need to change or update your Apple Account payment method - Apple Support
Also note:
“If there's an issue [such as you having a subscription or being a Family Sharing Organizer], add a new card first, then remove the old card."