One of the world's most widely accepted device wallets, covering dozens of countries and regions on Apple's official list; in mainland China it shares the tap-to-pay scene with UnionPay QuickPass and serves as a fallback for foreign-card visitors beyond QR codes.
!Not a bank. Apple Pay is Apple's device-side payment service and does not hold your funds; every transaction is authorized by the card issuer, which also owns the card benefits and dispute process. In the US, Apple Cash balances are held by Green Dot Bank.
Yes. In countries and regions where Apple Pay is supported, add a foreign-issued Visa, Mastercard or UnionPay card to your iPhone or Apple Watch and tap to pay; in mainland China foreign cards work at contactless terminals (less common than QR codes), and since January 2026 Visa cards issued by mainland banks can also be added for overseas spending.
None — this is not a stored-value wallet; it uses your linked card directly｜Apple charges nothing for payments; costs depend on your linked card (foreign cards may add FX fees)
No platform-level limits — your issuer's limits and local acceptance apply; US Apple Cash transfers are capped at USD 2,000 in a rolling 7-day period.
Yes. In countries and regions where Apple Pay is supported, add a foreign-issued Visa, Mastercard or UnionPay card to your iPhone or Apple Watch and tap to pay; in mainland China foreign cards work at contactless terminals (less common than QR codes), and since January 2026 Visa cards issued by mainland banks can also be added for overseas spending.
Local bank account: Not required — just add a card you already hold to your device wallet. Items typically needed: A supported iPhone, Apple Watch, iPad or Mac; A participating bank's Visa/Mastercard/UnionPay credit or debit card.
Typically: A supported iPhone, Apple Watch, iPad or Mac; A participating bank's Visa/Mastercard/UnionPay credit or debit card.
How to sign up: On-device setup — add the card in the Wallet app and verify via SMS or your banking app (Adding a card takes about 5-10 minutes). Steps: 1) Open the Wallet app 2) Tap add and scan or enter your card number 3) Verify via SMS or your banking app 4) At checkout, double-click the side button and hold near the terminal Fees: Apple charges nothing for payments; costs depend on your linked card (foreign cards may add FX fees)
No platform-level limits — your issuer's limits and local acceptance apply; US Apple Cash transfers are capped at USD 2,000 in a rolling 7-day period.
E-wallet rules change often — always follow the latest instructions in the official app.