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Apple Pay® FAQs

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Get it on the App Store
Download the Bank of America App

Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies.

Or we can send you a link by email

Please enter a valid email address

Apple, the Apple logo, iPhone, iPad, Apple Watch and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Get it on Google Play
Download the Bank of America App

Before you leave our site, we want you to know your app store has its own privacy practices and level of security which may be different from ours, so please review their policies.

Or we can text a download link directly to your phone

Please enter a phone number

By providing your mobile number you are consenting to receive a text message. Text message fees may apply from your carrier. Text messages may be transmitted automatically.

Android is a trademark of Google Inc. Samsung is a registered trademark of Samsung Electronics Co., Ltd.

Our mobile app isn't available for all devices

If you don't see an app for your device, you may still be able to access our mobile website by typing bankofamerica.com in your mobile web browser.

Learn more about mobile banking options and supported devices

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How do I add my physical credit or debit card to Apple Pay®?

To add a credit or debit card on:

iPhone®

  • Open the Wallet app on your iPhone®
  • Tap the plus sign in the upper right corner
  • Enter your card's security code to add your credit or debit card from your iTunes account. Or, to add a different card use your iSight camera or enter the card information manually.

Apple Watch®

  • Open the Apple Watch® app on your iPhone
  • Tap “Wallet & Apple Pay” and select “Add a Credit or Debit Card”
  • Enter your card’s security code to add your credit or debit card from your iTunes account. Or, select “Add a different card” and use your iSight camera or enter the card information manually.

iPad Pro, iPad Air 2, iPad mini 3, and later

  • Go into Settings
  • Tap “Wallet & Apple Pay” and select “Add Credit or Debit Card”
  • Enter your card’s security code to add your credit or debit card from your iTunes account. Or, select “Add a different card” and use your iSight camera or enter the card information manually.

Currently, the following cards are eligible:

  • Bank of America® consumer credit cards and debit cards (excludes ATM-only cards)
  • Merrill Lynch® consumer credit cards
  • U.S. Trust® consumer credit cards and debit cards
  • Small Business debit cards (excludes ATM-only, deposit-only and employee-only cards)

Please note: Due to card network limitations, cards issued in Puerto Rico and U.S. Virgin Islands are not eligible at this time.

Why am I being asked to provide additional information to verify my card?

This is just an extra security step. When prompted, simply select your verification option (email or cell phone) and enter the one-time passcode sent to you (or call the number provided). You’ll see a message letting you know your card is ready for Apple Pay.

What is a virtual card?

Virtual cards are the digital form of your eligible physical credit and debit cards. When you add your physical card to Apple Pay, it is stored as a virtual card. It will have a unique virtual card number that is only associated with Apple Pay.

What is a Device Account Number?

Apple refers to the digital form of credit and debit cards as the Device Account Number. Bank of America uses the term virtual card number. Review the question “What is a virtual card?” for more info.

Does Bank of America protect my virtual cards?

Yes. Just like your physical credit and debit cards, your Bank of America virtual credit and debit cards are covered by Bank of America’s $0 Liability Guarantee. Bank of America will credit any fraudulent charges made with your physical or virtual credit or debit card back to your account. The $0 Liability Guarantee covers fraudulent purchases and payments made by others using your Bank of America physical or virtual credit and debit cards. If you suspect fraudulent use of your virtual credit or debit card, please contact us immediately by calling the number on the back of your card.

You should receive access to funds by the next business day in most cases, pending resolution of your claim. Please consult your customer and account agreements for full details.

Will merchants receive my physical card number?

Most merchants won’t have access to your physical card number; they’ll receive the unique virtual card number associated with your credit or debit card.

Please note: MasterCard must provide your physical card number to certain transit merchants (e.g., subway systems) in order to process real-time decisions about whether or not to approve your purchase.

Which credit and debit cards are eligible for Apple Pay?

Currently, the following cards are eligible:

  • Bank of America® consumer credit cards and debit cards (excludes ATM-only cards)
  • Merrill Lynch® consumer credit cards
  • U.S. Trust® consumer credit cards and debit cards
  • Small Business debit cards (excludes ATM-only, deposit-only and employee-only cards)

Please note: Due to card network limitations, cards issued to residents of Puerto Rico and U.S. Virgin Islands are not eligible at this time.

When will other cards be eligible for Apple Pay?

As the service expands, additional card types will be added. We’ll continue to provide more information on eligible cards as we add them.

What type of device do I need to use Apple Pay?

You can use Apple Pay at participating merchants’ stores on your iPhone SE, iPhone 6 and later, Apple Watch, iPad Pro, iPad Air 2, and iPad mini 3 and later.

How do I pay using my cards on the Apple Watch?

Once you've added a credit or debit card, paying in stores is quick and easy. Just double-click the side button and hold the display of your Apple Watch up to the contactless reader. A gentle tap and beep confirm that your payment information has been sent.

The first card you enter is your default payment card, but you can always switch it in the Apple Watch app. Want to switch cards when you’re paying? After double-clicking the side button, just swipe to browse through your cards and hold the display of the Apple Watch near the reader to pay.

Will all merchants accept Apple Pay?

No. Not all merchants have adopted this technology. Please continue to carry your physical cards to use where Apple Pay is not accepted. Most merchants will display the contactless payment symbol to let you know they accept contactless payments.

Will the card image in Apple Pay match my physical card?

No. The card image may not be an exact match. Keep in mind this doesn’t affect how your cards work with Apple Pay.

Does Apple Pay show my Bank of America credit and debit card transactions?

Apple Pay displays the last 10 Bank of America credit and debit card purchases you made within the Wallet on your iPhone, but it won't display all your purchase details. For a complete view of all your Bank of America transactions, sign in to Online Banking or use our Mobile Banking App and select the appropriate account.
Note: If your debit card was added to the Wallet prior to 3/31/2016, then you may need to delete and re-add your card to view your transactions.

What if my phone is lost or stolen?

While we hope your phone is never lost or stolen, it's a good idea to download Apple's Find My iPhone app before that happens.  You can use the app to quickly place your device in Lost Mode so your information is not accessible, or you can remotely erase your iPhone. Please note: Find My iPhone must be enabled in iCloud settings on your device before you can locate it with this app.

If you can't download the Find my iPhone app or can’t disable Apple Pay using your iCloud account from another device, you should cancel your physical debit or credit cards which will delete your virtual cards from Apple Pay. You should also review your Online & Mobile Banking transactions. If you notice any suspicious activity, please contact us immediately by calling the number on the back of your card.

If I erase my iPhone, does that cancel my physical cards or can I continue to use them?

Erasing the information on your iPhone will have no effect on your physical cards. You can continue to use your cards as you normally would. Erasing your iPhone will delete the virtual cards from Apple Pay and they can no longer be used. You can add your credit and debit cards back into Apple Pay at any time.