How to Activate a Virtual Card Number on Apple Cash
Apple Cash app

How to Activate a Virtual Card Number on Apple Cash

In 2017, Apple expanded its FinTech aspirations by introducing a peer-to-peer payment account called Apple Cash. With this account, users could easily send and receive payments via iMessage. What’s more, while customers could elect to transfer received funds to a linked bank account, they could also be spent directly using Apple Pay. The only problem was that, for merchants that didn’t accept Apple Pay, there wasn’t a way to use your Apple Cash balance.

Well, that’s now changed. Recently, Apple introduced virtual card number capabilities to its Apple Cash account. So, if you’re curious about how to find your card numbers, read on!

Apple Cash: How to Get Your Virtual Card Number

Update your iOS

Before you can obtain a virtual card number for your Apple Cash account, you may need to update your phone/device. This new virtual card feature is only available to customers running iOS 17.4 or iPad OS 17.4. For iPhones, iOS 17 is supported on devices including the iPhone XR and newer (including iPhone SE generations 2 and 3) while the list of compatible iPad OS 17 can be found on Apple’s site.

Once your device is updated, your Apple Cash account will gain virtual card capabilities.

Apple Cash Virtual Card Number Enabled screenshot

Finding your card number in Wallet

Next, head to Wallet on your device and select your Apple Cash card. Then, tap the three-dot icon in the upper right corner, and choose “Card Number.” When you do so, you’ll be able to see your card number, expiration date, and current security code (more on that in a moment). As a reminder, Apple Cash cards now operate on the Visa network.

With this number, you’ll be able to shop online with your Apple Cash card even if the retailer’s site doesn’t support Apple Pay. You may also be able to enter the card number manually in-store — although support for this will vary.

Requesting new numbers

Apple Cash Request New Card Number screenshot

Since your Apple Card card number is virtual, you are able to request a new one at any time. However, keep in mind that, if you’re storing your Apple Cash card on file with a retailer or subscription service, requesting a new number will likely mean you’ll need to update your info. Then again, depending on your intentions, you may decide not to do that (if you catch my drift).

In my experience, generating a new virtual card number took only a few seconds. Interestingly, after my new card number was created, the option to request another new card number was greyed out. But, after exiting back to my card and then returning to the Card Number interface, the option was once again available.

Regarding your security code

For extra security, Apple Cash notes that the security codes for its virtual card numbers will regularly update. In fact, each time you open your Wallet or use your virtual card on Safari, the three-digit security card will change. Furthermore, security codes will expire after 24 hours.


Even if Apple Cash may have lost its spotlight to the Apple Card and other Apple financial endeavors, there’s no question that the peer-to-peer account is still a useful tool — and one I’d say is actually underrated. Thus, I’m happy to see the account gaining some new functionality with this virtual card update. Granted, I wasn’t one of those in need of this feature, but I can appreciate that it’s now there.

By the way, for more on Apple’s various financial offerings, you can check out my reviews of the Apple Card, Apple Card Savings, and Apple Card’s financing options.

Author

Kyle Burbank

Head Writer ~ Fioney
Kyle is the head writer for Fioney. He is a personal finance nerd, constantly looking for new apps and services to test and incorporate into his own financial game plan. In addition to his role at Fioney, he's written for other publications including Born2Invest, Lifehack, and Laughing Place, as well as his own site Money@30. He also creates personal finance and travel-related videos for Fioney's YouTube channel, which has garnered more than 2 million views. Currently, Kyle resides in Springfield, Missouri with his wife of 10 years. Together, they enjoy traveling (including visiting Disney Parks around the world), dining, and playing with their dog Rigby.

Other Articles by Kyle Burbank

"The Unbanking of America" Book Review

In her new book " The Unbanking of America: How the New Middle Class Survives" author Lisa Servon looks at everything from the payday loan industry to FinTech while also discussing the changing economics of the middle class.
Charlie and SpeedBump logos

Charlie Introduces SpeedBump Fraud Protection Feature

A FinTech that helps prevent adults from falling victim to scams and fraud is adding a new feature to further that cause. About SpeedBump: Today, Charlie announced the launch of its SpeedBump feature. This tool combines alerts, pauses, and real-time education to help protect older adults who may be vulnerable to scams and fraud. SpeedBump may be activated when Charlie customers take certain actions, such as adding a payee, making...
AMEX card in the middle of a restaurant table full of food

American Express to Acquire Tock from Squarespace

American Express is expanding its dining platform with not one but two acquisitions. About the acquisitions: Today, Amex announced that it will be acquiring the restaurant reservation service Tock from Squarespace (who purchased the company in 2021). The purchase is expected to be for $400 million in cash but is subject to closing conditions, customary adjustments, and regulatory approval. Amex also notes that, as part of the deal with Squarespace,...
The "Email" field is empty, you must enter some text to proceed.The text you entered in the "Email" field appears to be invalid, please edit it and try again
Get the Latest News Delivered to Your Inbox

A Guide to Building Credit and Increasing Your Credit Scores

When it comes to credit, there’s some good news. The average credit score in the United States has been steadily rising in recent years, coming in at 715 in 2023. That may be because, today, consumers not only have more ways to access their credit reports and scores than ever before but also because there are an increasing number of options that Americans have for building credit in the first...

2024 SoFi Checking and Savings Review

Ever since I started taking an interest in the FinTech sector, one company whose name I’ve seen pop up over and over again is SoFi. Lately it seems as though that theme has been sent into overdrive as the company has not only become a household name thanks to its stadium naming rights deal but also because of the company’s continued product expansions. The most interesting development in my mind...
Brim logo

Brim Financial Raises $85 Million as It Eyes Global Expansion

Toronto-based FinTech infrastructure startup Brim Financial has announced a new funding round. About the round: Brim has revealed an $85 million round. The Series C was led by EDC Investments while new investor Vistara Growth and returning investors White Owl Group, Epic Ventures, and Zions Bank also participated. To date, the company has now raised $110 million including a Series B in 2021. According to Brim, the latest funding will...
Chase Freedom Flex card

Chase Reveals Q2 2024 Freedom 5%(+) Bonus Categories

Chase has announced its bonus category picks for the second quarter of 2024 — including some interesting twists. About the categories: As April approaches, Chase has revealed what categories Freedom and Freedom Flex cardholders can earn bonuses on. From April 1st through June 30th, customers can earn 5% (or more) in three categories: Amazon.com, Hotels, and Restaurants. Similar to how Chase embraced a "New Year, New Me" theme last quarter,...
Rent Day

Bilt Announces Home Collection Deal for May 2024 Rent Day

For May's Rent Day, Bilt is offering a deal that will allow members to decrease their rent bill while also adding to their home decor. About the Home Collection offer: Bilt has crafted a unique Rent Day offer for May 2024. Through the 1st, when Bilt members redeem their points toward rent payments, they'll receive the same number of points to be used toward Bilt Home Collection items. To take...