The reason an iPhone may not let you download apps without a payment method is because Apple requires a payment method on file for the Apple ID to verify the user and provide access to app downloads, even for free apps. However, there are some conditions and workarounds:
- Apple allows selecting "None" as a payment method in the Apple ID settings if you don't want to add credit card info. This option is available only when there are no unpaid balances, subscriptions, or family sharing plans linked to the account.
- To check or change the payment method: go to Settings > [Your Name] > Payment & Shipping > Edit payment method, then choose "None" if available.
- If the "None" option does not show up, it might be due to outstanding payments, active subscriptions, or geographic restrictions.
- Another workaround is creating a new Apple ID and selecting "None" as the payment method during its creation to download free apps without payment information.
- Apple requires this as a way to confirm the legitimacy of users and to streamline potential future purchases.
So, if unable to download without entering payment details, the solution is to clear any balances, cancel subscriptions, or try creating a new Apple ID with no payment method, then use that Apple ID to download free apps.
