Unable to Add KSA Bank Cards to Apple Wallet where region is same and other country cards can be added. All cards can be added on any other icloud account

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Level 1

5 points

Unable to Add KSA Bank Cards to Apple Wallet where region is same and other country cards can be added. All cards can be added on any other icloud account

I’m unable to add any KSA-issued bank cards to Apple Wallet even though my region is set to KSA. However, I can add cards from other regions without any issues.

When I try using a different Apple ID on the same phone, the KSA and all other cards add successfully — so it seems the problem is linked to my Apple ID rather than the device or the bank. I have checked multiple times with the banks as well as Apple customer care to no avail.

Only card which I can add is AMEX KSA. However, both mastercard or visa from different KSA banks is not being accepted.

This issue started after my iPhone was replaced at an Apple Store, and my banks have confirmed that the problem is related to my Apple ID, not their systems.

Has anyone else faced this issue or found a resolution?

iPhone 17 Pro Max

Posted on Oct 27, 2025 10:06 PM

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Answer 1

Jeff Donald

Level 8

44,568 points

Oct 28, 2025 2:49 AM in response to thewhitewiz

Apple is not a bank. Apple does not verify cards for adding to Apple Wallet. All verification and authentication is done by the banks themselves. Banks may use the Payment Network Operator (Visa, Mastercard, etc.) for some verification services.

When you attempt to add a card to your Apple Wallet, your iPhone sends data about how you use your device, your Apple Account, and other information that helps the banks and PNO’s verify you, your device and your cards. The information is encrypted and Apple does not know the contents of the encrypted data.

The PNO and bank use the information you send for verification purposes and to reduce the potential for fraud from scammers etc. Apple does not participate in these decisions. If the PNO approves the request, it is sent to the bank for final approval and issue of the dynamic token representing your card. Again, Apple does not participate in the decision process and if a token is not issued, you receive a notification stating to contact the bank. Apple is not informed by the PNO or the bank the reason(s) for the decline.

You may also be interested in the information in this thread in the community.

Apple Wallet Disabled - how to resolve ? - Apple Community

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