Multiple different bank cards can’t be added to wallet

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Level 1

11 points

Multiple different bank cards can’t be added to wallet

Hi everyone, back in Jan I had a fraud incident with Barclays, they rang, removed my card from my Apple wallet. Sent a new card, could not be added. I rang they have said there is no issue. Since then, I have tried to add Halifax, HSBC and Lloyds cards to my wallet, still can’t. I have even opened a brand new account with TSB that has never been used, can’t add that either. All cards work in shops. I obviously can’t be blocked by 6 different banks at the exact same time.

Apple got me to add one of my partners card, that didn’t work either. I have even tried adding my cards to his device, still can’t. It’s like I am or my Apple ID is somehow flagged or blocked, not the cards themselves, they all work in shops just fine.

i have two cards in my wallet still from before this incident back in jan. So it’s not my device, it’s me, my Apple ID. Had anyone ever heard of this? All banks are based in the U.K.

My case has been escalated with Apple…I just wanted to ask the community too.

many thanks!

iPhone 15 Plus, iOS 18

Posted on Apr 27, 2025 1:59 AM

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Answer 1

Top-ranking reply

Jeff Donald

Level 8

44,568 points

Apr 28, 2025 3:45 PM in response to jentay43

The PNO’s have a fraud alert on your accounts. The bank’s fraud department will have to contact the PNO’s and have the fraud block removed. Once the bank tells you it’s removed, wait 30 days and try to add the card to your iPhone.

Multiple items are linked during the Apple Pay verification process. Your device, your card accounts, your Apple Account (formerly Apple ID), and associated services. But it’s not just your Apple ID. When entering your data on your spouse’s device, it’s their id, not yours.

Most banks don’t do their own verification of account holders. Most use the PNO to verify the account. That’s why the bank doesn’t see anything. The verification request never gets to them. The PNO gets the data directly from Apple and sees the previous fraud issue.

During the verification process, Apple only has encrypted data. Your iPhone does the encryption, Apple forwards it to PNO and they reject your request and send the notification back and you see the notification on your iPhone.

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Answer 2

Jeff Donald

Level 8

44,568 points

Apr 27, 2025 5:51 AM in response to jentay43

Payment Network Operators are companies such as Visa, Mastercard, American Express etc. What payment networks are your various cards on? What payment network are the two remaining cards in your Wallet on?

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Answer 3

jentay43 Author

Level 1

11 points

Apr 28, 2025 10:54 AM in response to Jeff Donald

It’s across all types. The cards that were once in my wallet that can’t now be added are Mastercard, maestro and visa, from 5 different banks. The two remaining cards that are on my wallet, from before the incident are a Mastercard and a visa debit. From what the guy at Apple has said, is that my Apple Pay ID has been blocked, or has a fraud alert attached to it.

it definitely isn’t my device, as it’s works fine with existing cards that are on. And I can’t add cards even when trying on a different device (which Apple hit me to test). I just wanted to ask the community too. Thanks Jeff

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Answer 4

jentay43 Author

Level 1

11 points

Apr 28, 2025 7:43 PM in response to Jeff Donald

Thanks Jeff, so in this instance, I need to contact each bank individually to try to sort. Or, would it just be the bank that I initially had a fraud incident with? Which would be Barclays. Is it at all possible you could write a small sentence or two of exactly what I need to say to them? I have tried and I know the frontline staff don’t know what I am talking about when mention the abbreviation PNO.

is it also something that could be fixed? Or do you think it’s not possible, it has been going on since January. Appreciate your help 👍

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Answer 5

jentay43 Author

Level 1

11 points

Apr 28, 2025 7:47 PM in response to Jeff Donald

Also Jeff, do these fraud alerts with PNO’s expire on their own? Or are they there forever? Thanks

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