How To Change Instant Transfer Cards on Apple Pay?

change instant transfer card apple pay

Apple Pay is an easy and secure way to pay from the mobile phone in stores, or as an app or on websites and in apps in Safari. 

With Apple Pay, individuals can also make convenient and secure payments for purchases in apps easily with Face ID, Touch ID, or passcode. 

To use Apple Pay when shopping online, add the items to the virtual cart and select Apple Pay at checkout. On some devices, individuals can use Face ID or Touch ID to complete payment using Apple Pay.

How To Change Instant Transfer Cards on Apple Pay?

Individuals can change their instant transfer cards at any time. This can be done easily with the following steps:

  1. Open the Apple Pay Wallet app on the iPhone. 
  2. Tap on the card individuals want to remove and select Remove Card
  3. Choose to remove it or remove all added cards. 
  4. After they have done this, they can add a new credit or debit card. 

Individuals can change the instant transfer card on their iPhone using Wallet & Apple Pay, in the iTunes Store on their iPhone or iPad touch, or the computer. 

The method they choose depends on whether they are setting up a new instant transfer card or changing an existing one. Here are the steps one can follow to change the instant transfer card.

1. Open the Wallet app, tap the Apple Cash card and then follow the onscreen instructions.

2. Go to Settings > Wallet & Apple Pay. Under TRANSACTIONS, tap Edit below Instant Transfer.

3. In the Quick Action menu:

A) For iPhone X or later, iPhone 8 or earlier, tap Up next to the balance and then choose Balance & History.

B) For iPad with Face ID, pick up iPhone X or later, double-click the side button, then tap the Apple Cash card at the bottom of the screen.

C) For iPad without Face ID, iPod touch, pick up iPhone 8 or earlier, press Home or wake the device using the Sleep/Wake button (On iPhone X: Press and hold sleep/wake).

There are three ways to change the instant transfer card for Apple pay. They are:

  • Wallet application
  • Settings application
  • Lists of banks in the region.

If you wish to change the card used for transactions via Apple Pay, here are the steps that you need to follow.

  • Open the Wallet Application
  • Hover to the upper right corner and then tap on the +icon.
  • You will have to tap on the continue option.
  • You will now have to add all the contact and billing information.
  • For further payments, you can use this card.

Also Read: How To Add Money To Apple Pay Without Debit Card?

Apple Pay Instant Transfer Fees

Unfortunately, The instant transfer feature does not come for free. You will have to pay a fee of 1.5% every time you make any instant transfer. This fee falls between 0.25 $ to 15$. This fee was earlier 1%. 

However, if you do not wish to use the Instant transfer, you can use ACH for free but you will have to wait for up to three days to receive money in your account. 


An instant transfer is money individuals can use from their Apple Cash card immediately after sending it. When individuals use Instant Transfer, the money goes to an eligible Visa debit card in their Apple Wallet within 30 minutes.

Apple Pay allows banks and financial institutions to provide their customers with a great way to make instant transfers. These transfers are settled almost immediately, which means they are received just as quickly by the recipients.

In addition, customers who use Apple Pay Cash to exchange money via personal checks receive the same benefits as personal check deposits.