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Ram1205_
User level: Level 1 (4 points)

Unrecognized charges appearing after adding a credit card to Apple Wallet

So I had permission from a relative to add their credit card to my Apple wallet and I used it as normal no problems. Until recently we notice that she’s getting charges through said credit card’s apps that we don’t recognize. We call the bank and they said the charges are coming from a mobile wallet under my name- which is weird because I didn’t see charged on apple wallet and we didn’t get any notification about new device logins.

ive deleted all the cards in my wallet so will it be fine now?

What should I do now? Do they have my Apple wallet info able to use whenever? Why did this happen?


Posted on Nov 10, 2026 12:36 AM

3 replies

Jeff Donald
User level: Level 9 (64,078 points)

Nov 10, 2026 4:05 AM in response to Ram1205_

OK, since you’re the only person with access to your device, and the charges were for games and subscriptions, it did not involve your Apple Wallet and it was not compromised.


When you put your relatives card on your device you also added it as a payment method in your Apple Account. Many times this is offered during the provisioning of the card for Apple Wallet and easy to forget. We know this because Apple Wallet/Apple Pay is not used for purchases of games and subscriptions. An Apple Account is the exclusive source of payments.


The only other possible way someone would be able to get access is your Apple Account was compromised. This happens when the same passcode is used for many websites, accounts and apps. The information is obtained when the business is hacked and scammers get the hacked data. They can then use the data to gain access to your other accounts. You should immediately change the password to your Apple Account and any other account you used the same passcode for.


https://support.apple.com/en-us/101567



Jeff Donald
User level: Level 9 (64,078 points)

Nov 10, 2026 3:20 AM in response to Ram1205_

Hi, you haven’t provided enough information to determine what might have happened. What were the charges related to? Were the charges recurring charges? In other words the same merchant was being paid by the bank every week or every month, for example. Did anyone else amongst your family and friends have access to your iPhone and know your passcode?

Ram1205_ Author
User level: Level 1 (4 points)

Nov 10, 2026 3:34 AM in response to Jeff Donald

it was just me and that relative who has acess to the card (her becuase it was her card and me becuase I had it on Apple Pay) and one day she got charged through her bank app for random subscriptions and games that we don’t use. Fortunately the bank denied the transactions for most of th‘em but let some slip. No one has access to my iPhone or password… we ended up calling the bank and they just said my mobile wallet might’ve been compromised. But what do I even do with that information?

Originally posted at discussions.apple.com/thread/256391778