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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

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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.

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

To add an eligible card to your compatible Apple device from the Bank of America® Mobile Banking app

  • Sign in to the app
  • Tap the Menu option in the navigation bar
  • Tap Manage Debit/Credit Card
  • On your desired card, tap Digital Wallets
  • In the Add to Wallet section, select Add on the Apple Pay option

You may also add a card using the Wallet app or within the Wallet & Apple Pay settings of your compatible device.

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.

How does Bank of America ensure my information will be safe?
  • Bank of America uses verification steps that may require you to enter a one-time Passcode that is sent to you when activating your card.
  • Your virtual cards are covered by Bank of America's $0 Liability Guarantee.
  • Most merchants will not have access to your physical card number; they will receive the unique virtual card number associated with your debit or credit card.
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.

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.

Will all merchants accept Apple Pay?

Apple Pay works in-store, in-app and online. Use Apple Pay wherever you see one of these symbols:

OR: You can use Apple Pay to make purchases wherever you see in stores or by selecting the Apple Pay checkout option when shopping in-app and online.

Apple Pay can be used in millions of locations including grocery stores, restaurants, vending machines and public transportation, as well as within apps and websites. See where you can use Apple Pay layer

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 you are unable to view your transactions in Apple Pay, you may need to delete and re-add your card.

What if my phone is lost or stolen?

If your device is lost or stolen, you can lock your card from being used for payments on that device through your Online Banking account or the Bank of America® Mobile Banking app.
To lock your card through Online Banking:

  • Sign in to Online Banking
  • Select Digital Wallets & Virtual Cards from the Profile & Settings menu
  • Select Lock

To lock your card through the Bank of America® Mobile Banking app:

  • Sign in to the app
  • Tap the Menu option in the navigation bar
  • Tap Manage Debit/Credit Card
  • On your desired card, tap Digital Wallets and select Manage
  • Swipe left and select Lock
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.