HT4009 I am trying to install free apps but am being asked to verify payment account first, why is this happening and will I be charged?

I am trying to install free apps but am being asked to verify payment account first, why is this happening and will I be charged?

Are you currently in the country where your iTunes account is based ? You won't be charged for downloading free apps (some free apps do then allow you to make in-app purchases to unlock extra features, though you can turn that off via Settings > General > Restritions > In-App Purchases 'off'), but if you add or change the credit card details on your account then you are likely to receive a temporary store holding charge to check that the card details are valid and that it's registered to exactly the same name and address as on your iTunes account - that should disappear within a few days or so.
Store holding charge : http://support.apple.com/kb/HT3702
If you only want to download free apps then there are instructions on this page for how to create a new account in your country's store without giving a credit card number : http://support.apple.com/kb/HT2534

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