
Apple Cash é uma forma de pagamento digital que permite aos usuários fazer compras, pagar contas e enviar dinheiro para amigos e familiares de forma rápida e segura.
É possível usar o Apple Cash com o Apple Pay, que é uma forma de pagamento móvel que permite aos usuários fazer compras em lojas físicas e online.
O Apple Cash é uma funcionalidade do Apple Wallet, que é uma aplicação que permite aos usuários armazenar cartões de crédito, débito e outros tipos de cartões de pagamento em um único lugar.
Você pode usar o Apple Cash para pagar contas, como conta de luz, água e telefone, e também para fazer compras em lojas online.
What Is Apple Cash
Apple Cash is a service offered by Apple that allows users to send and receive payments quickly and securely through their devices.
This service enables users to send money directly to their contacts through the Messages app, making it a convenient way to split bills or pay friends back.

The received payments are stored directly in a virtual card in the Apple Wallet, providing a safe and organized way to manage your finances.
Apple Cash is currently only available in the United States, but its popularity has sparked speculation about potential plans to expand the service to other countries.
How Apple Cash Works
Apple Cash is a peer-to-peer payment system that allows you to send, receive, or request money from users who have the app installed. It's integrated with Apple Pay and the Messages app, making it easy to use.
To use Apple Cash, you need to be at least 18 years old and live in the United States, have a compatible device with the latest iOS, iPadOS, watchOS, or visionOS, two-factor authentication set up for your Apple Account, and be signed in to iCloud with the same Apple Account on any device you want to use to send or receive money.

Apple Cash works wherever Apple Pay is supported, which is anywhere that contactless payment is supported. You can use funds in your Apple Cash card to send and receive money via Messages, make Apple Pay purchases at retail locations, on the web, and in apps.
Here are the ways you can use Apple Cash:
- Send money to friends and family through the Messages app
- Request money from others through the Messages app
- Use Siri to pay a contact a specific amount
- Transfer Apple Cash funds to your own bank account or eligible Visa or Mastercard debit card
- Add funds to your Apple Cash card using a debit or credit card
To manage your Apple Cash account, you can access it through the Wallet app, where you can view your balance, recent transactions, and transfer funds to your bank account. You can also use the Messages app to send and receive money, and to request payments from others.
How to Set Up
To set up Apple Cash, you'll need to open the Settings app on your iPhone, iPad, or Apple Vision Pro.
You'll then scroll down and tap on Wallet & Apple Pay. From there, turn Apple Cash on.
Next, under Payment Cards, tap on Apple Cash and follow the instructions on your screen.

To set up Apple Cash for a family member under 18, you'll need to learn how to set up Apple Cash Family.
Here are the steps to set up Apple Cash:
- Open the Settings app on your compatible iPhone or iPad.
- Scroll down and tap on Wallet & Apple Pay.
- Toggle Apple Cash on.
- Under Payment Cards, tap on Apple Cash.
- Tap Continue and follow the instructions on your screen.
If you're setting up Apple Cash for a child or teen, you'll need to use the same Apple ID for Apple Cash as you did for setting up Family Sharing.
They'll also need to have a compatible iPhone, iPad, or Watch running the latest iOS, iPadOS, or watchOS software.
To set up Apple Cash for a child or teen, follow these steps:
- On the family organiser's iPhone, open the Settings app.
- Tap [your name], then tap Family Sharing.
- Tap Apple Cash, then choose a child or teen.
- Choose Set Up Apple Cash.
- Follow the instructions on your screen to set up their account.
Alternatively, you can also set up Apple Cash by accessing the app Carteira and toque no cartão Apple Cash, then clicking in “Configurar Agora” and following the instructions to create a account.
Añadir Dinero
Puedes añadir dinero a tu tarjeta de Apple Cash utilizando una tarjeta de débito o prepago que hayas establecido en Apple Pay.
Para añadir dinero a tu tarjeta de Apple Cash, sigue estos pasos:
- Abrir la aplicación Wallet.
- Pulsa sobre tu tarjeta Apple Cash.
- Pulsa los tres puntos en el círculo y pulsa “añadir dinero”.
- Introduce la cantidad y pulsa “añadir”.
- Confirma la tarjeta con la que quieres añadir el dinero.
- Confirma la operación con el código, Face ID o Touch ID.
Recuerda que el mínimo para añadir dinero es de $10. Puedes utilizar una tarjeta de débito o prepago que hayas establecido en Apple Pay para añadir dinero a tu tarjeta de Apple Cash.
Sending and Receiving Money
You can send money to friends and family using Apple Cash, and it's a straightforward process. To send money, open the Messages app and start a new conversation or open an existing one with the person you want to send money to.
To send money through Apple Cash on your iPhone or iPad, follow these steps: open the Messages app, start a new conversation or open an existing one, tap on the Apple Pay logo in the app drawer, enter the amount you want to pay, tap Pay, and confirm your payment with Face ID, Touch ID, or your passcode.
If you don't have enough money on your Apple Cash card, one of the debit cards in Wallet will fund the rest of the payment. You can change the payment method to use your debit card instead of your Apple Cash card by tapping on the blue arrow next to the payment method.
You can also use Siri to send money. To do this, say "Hey Siri, send 25 dollars to Jane for movie tickets" and choose Wallet or Apple Pay.
Receiving money is also easy with Apple Cash. When someone sends you money, it will be added to your Apple Cash card in the Wallet app. You can then use that money to make purchases or transfer it to your bank account.
To request money through Apple Cash, open the Messages app, start a conversation with the person you want to request money from, tap the Apple Pay button, enter an amount, and tap Request. The recipient can then tap Pay to send you the money.
Here are the steps to request money through Apple Cash on your Apple Watch: open the Messages app, choose a conversation with the person you want to request money from, tap the Apple Pay button, enter an amount, swipe on the Pay button to show the Request button, and tap Request.
You can also use the Wallet app to add money to your Apple Cash card. To do this, open the Wallet app, tap on your Apple Cash card, tap the three dots, and tap "Add money". Then, enter the amount you want to add and confirm the transaction with your passcode, Face ID, or Touch ID.
Security and Fees
Apple Cash is a secure way to send and receive money, with a feature that allows you to request money from friends and family.
The service uses a secure authentication process, including Face ID or Touch ID, to protect your account and transactions.
You won't have to worry about hidden fees, as Apple Cash is free to use, with no monthly fees or charges for sending or receiving money.
With Apple Cash, you can also set spending limits and controls to help you manage your expenses and stay within your budget.
Segurança e Privacidade
Apple Cash is a secure way to send and receive money, thanks to its use of Face ID or Touch ID for transaction authorization, adding an extra layer of protection.
The Apple Cash system implements robust security measures to keep your information safe.
Your account information is shared with Green Dot Bank or Apple Payments Inc, but they store and process it separately from the rest of Apple's data.
Your account number remains hidden from third parties, and your financial information is not shared, preserving your privacy.
These security measures are in place to prevent fraud and ensure regulatory compliance, and they're used only for problem resolution and prevention.
Are There Fees?

There are no fees to send, receive, or request money using Apple Cash. You can use Apple Cash without worrying about affecting your credit or being impacted by credit freezes.
Instant Transfer, however, comes with a fee. A 1.5 per cent fee is deducted from the amount of each Instant Transfer, with a minimum fee of $0.25 and a maximum fee of $15.
Transferring Apple Cash funds to your bank account is free.
Limitations
If you're using Apple Cash, you should know that there are limits to how much you can send, receive, and transfer.
The maximum Apple Cash balance you're allowed to have is $20,000, but if you're part of Apple Cash Family, it's capped at $4,000.
You can send or receive as little as $1, but the maximum amount is $10,000, and there's a $10,000 limit within a seven-day period.
For Apple Cash Family users, the maximum send and receive limit is $2,000, and the seven-day limit is also $2,000.

Adding money to your Apple Cash card has its own set of limits, with a minimum of $10 and a maximum of $10,000, and a $10,000 limit within a seven-day period for non-Apple Cash Family users.
For Apple Cash Family users, the maximum add limit is $2,000, and the seven-day limit is also $2,000.
Frequently Asked Questions
¿Cuál es la diferencia entre Apple Pay y Apple Pay Cash?
Apple Pay es para pagar compras en tiendas, mientras que Apple Pay Cash se utiliza para enviar y recibir dinero a través de Apple Cash
¿Cómo transferir de Apple Cash App a mi cuenta?
To transfer funds from Apple Cash to your account, open the App Store, tap the photo or "+" button, and follow the on-screen instructions to add funds. You can then select the amount you want to transfer and complete the purchase.
Sources
- https://masteringmoney.io/articulo/como-funciona-apple-cash/
- https://www.nordinvestimentos.com.br/blog/o-que-e-o-apple-cash-tudo-o-que-voce-precisa-saber/
- https://support.apple.com/en-us/109304
- https://www.macrumors.com/2021/08/06/apple-cash-instant-transfer-mastercard/
- https://www.pocket-lint.com/apps/news/apple/141312-what-is-apple-pay-cash-how-does-it-work-and-when-can-you-use-it/
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