Where to find your payment settings in the Uber app

Open the Uber app and tap the account icon in the bottom right corner. From there, tap "Wallet" or "Payment methods" — the exact label depends on whether you're using iOS or Android, but both lead to the same place. You'll see a list of every card, bank account, or digital wallet you've added to your account.

If you want to change which payment method Uber charges by default, tap the one you want to use. A checkmark will appear next to it. If you want to remove a payment method entirely, swipe left on it (iOS) or long-press it (Android), then confirm the deletion.

Key Takeaways

  • Your payment methods live in the Wallet section of your Uber account, accessible from the account icon at the bottom right of the app.
  • You can add a new card or bank account without removing the old one, and switch between them before you request a ride.
  • Removing a payment method from Uber does not cancel any subscriptions like Uber Pass, so check those separately if you're deleting your only card.
  • If a ride is declined because your payment method failed, Uber will ask you to add a new one before you can request another trip.

Adding a new payment method instead of editing the old one

You don't have to replace a payment method — you can keep multiple cards or bank accounts active at once. Tap "Add payment method" at the bottom of your Wallet screen. You can add a debit card, credit card, or bank account by entering the card number or routing information.

If you're adding a bank account, Uber will make two small deposits to verify ownership. Check your bank statement in one to three business days, then return to the app and enter those amounts to confirm. Until you verify, you can't use that bank account to pay for rides.

What happens if your payment method is declined

If Uber tries to charge a card or bank account and it fails — because the card is expired, the account is closed, or there are insufficient funds — the app will notify you when ready after your ride ends. You won't be able to request another trip until you add a working payment method.

Tap "Add payment method" and enter a different card or bank account. You don't have to delete the declined one; Uber will straightforward stop trying to use it. If you want to remove it anyway, swipe or long-press and delete it from your Wallet.

Protecting your payment information while you make changes

Uber stores your full card number on its servers, not on your phone. When you add or remove a payment method, that information travels between your phone and Uber's system. Use a network you control — your home WiFi or a mobile data connection from your own phone plan — rather than public WiFi at a coffee shop or airport.

If you're on public WiFi and need to change your payment method, use a VPN (virtual private network) app to encrypt the connection. Common free or low-cost options include ProtonVPN, Windscribe, or Hotspot Shield. A VPN scrambles your data so that anyone on the same WiFi network cannot see your card details as they travel to Uber's servers.

Removing a payment method safely

Before you delete a card or bank account, make sure you're not relying on it for an active subscription. If you have Uber Pass, Uber Eats Pass, or any other recurring charge tied to that payment method, removing the card will cause your next billing cycle to fail. Check your subscriptions in the account menu, update them to use a different card, or cancel them first.

Once you've confirmed no subscriptions depend on that payment method, swipe left (iOS) or long-press (Android) the card or bank account in your Wallet and tap delete. The payment method is removed when ready and Uber will not attempt to charge it again.

Why Uber might reject a payment method you just added

Uber runs a verification check on every new card or bank account you add. If the check fails, the app will show an error message. Common reasons include a mismatch between the name on the card and the name on your Uber account, an incorrect card number or expiration date, or a card that the issuing bank has flagged as high-risk.

Try adding the card again and double-check the name, number, and expiration date. If it fails a second time, contact your bank to confirm the card is active and not blocked. Some banks require you to approve Uber as a merchant before the first charge goes through; your bank's app or customer service line can do that in minutes.

Frequently Asked Questions

Can I use a different payment method for each ride?

Yes. Before you request a ride, tap your current payment method in the Wallet section and choose a different one. That payment method will be used for that trip only. Your default payment method returns for the next ride unless you change it again.

What if I delete a payment method by accident?

You can add it back when ready by tapping "Add payment method" and entering the card or bank account details again. Uber will re-verify it if it's a bank account. There's no penalty for removing and re-adding the same card.

Does changing my payment method affect my Uber rating or account history?

No. Your rating, trip history, and account status are separate from your payment methods. You can change cards as often as you want without any impact on your account standing or driver ratings.

Can I use a prepaid card on Uber?

Most prepaid cards work on Uber as long as they have a Visa, Mastercard, or American Express logo. Some prepaid cards issued by smaller banks may be declined if the issuing bank doesn't support Uber's verification process. If your prepaid card is rejected, try a different payment method or contact the card issuer to ask if they support ride-sharing apps.