How to preload Apple Pay wallet with 3k for purchase in Europe, while I am in US.

Apple Pay question. I am in the US, I desire to buy item from Europe for, about 3K. My Apple Pay is connected to my bank debit card. My bank debit card has been refused for transaction by VISA Stripe. I guess, which is used to stop fraud, --it is unusual transaction.

I do not see any option to prepay the three grand into the Apple Pay wallet to go ahead with transaction.

I see option to put a few dollars into Apple Pay account, but I have not tried that. as the allowed amount is too small.

Anyway to get the this to work?

Thanks for replies.

add: I just saw a post about Apple Cash, and a lot of folks losing money to Apple Cash, and it "Apple Cash" is managed by green dot. I am pretty sure that "Green Dot" is like a cash card, and not usable for a transaction started in US for an internet purchase in Europe. and then -- for awhile, I would not trust Apple Cash at all.

Posted on Sep 20, 2026 5:54 AM

1 reply

Jeff Donald

Level 9 (64,078 points)

Sep 20, 2026 9:14 AM in response to squint397

Apple Pay is not an electronic wallet or an account. You cannot transfer or deposit funds in Apple Pay. Apple Pay is a technology used on mobile devices to make payments more securely and privately.

An Apple Account is used exclusively for the purchase of Apple products and services online at Apple.com/store, Apple App Store and in person at Apple Retail Stores.

Apple Cash is a prepaid debit card issued and serviced by Green Dot Bank. Funds can be transferred into Apple Cash from your bank account and also transferred back to your bank account. The standard transfer time is 2 to 3 business days. Instant transfers are available for a 1.75% fee.

Apple Cash has daily and weekly limits to fund transfers, as are all prepaid debit card issued accounts. The limits are in place in order to comply with federal banking regulations.

Your best solution will be to open a bank account and add funds to complete your transactions.