You may need to have a valid payment method on file, even if the app you want to download is free.
1.
See -> What you can buy with your Apple Gift Card or Apple Account balance
What you can buy with your Apple Gift Card or Apple Account balance – Apple Support (UK)
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Apple Gift Card and Apple Account balance can't be used for some purchases
- You can't use your Apple Account balance to send gifts or gift cards.
- If you use Family Sharing, your family members can't spend your Apple Account balance. Funds that you add to your Apple Account balance are only available to you. Find out more about how purchases are billed to your Apple Account balance.
- Some purchases might require you to have a credit card on file, even if you use your Apple Account balance to make the purchase.
2.
To verify your payment information, you need to -> Sign in to your Apple ID account page and edit / update your Apple ID details -> https://appleid.apple.com
- On the Sidebar click Payment methods -> then tap Payments Methods and tap Manage payment method.
Or see -> Add a payment method to your Apple ID
Add a payment method to your Apple ID – Apple Support (UK)
- If you want to change your card, you need to add first the new card, then remove the old card.
See the following Apple articles:
Payment methods you can use with your Apple ID
Payment methods you can use with your Apple ID – Apple Support (UK)
fyi: Not all credit & debit cards seem to work with App Store / iTunes Store, try a different one, or preferably a credit card. If your card is not accepted as a paymenf method, you need to contact your bank.
If you need to change or update your Apple ID payment method
If you need to change or update your Apple ID payment method - Apple Support
If you update your payment method or add funds to your Apple Account balance, It would take about 1 to 3 business days in order to process.
If you're still unable to update your payment method, Contact Apple Support.
Get more help and assistant from Apple directly, see Contact Apple for support and service -> Contact Apple for support and service – Apple Support (UK)