Apple Cash UK is a convenient and secure way to send and receive money. You can use it to pay friends and family, or even split bills with others.
To get started, you'll need to have a UK-registered Apple ID and a compatible iPhone or iPad. Apple Cash UK is available to anyone over 13 years old.
One of the benefits of Apple Cash UK is that it's protected by the Fair Credit Billing Act, which means you're not liable for unauthorized transactions. This gives you peace of mind when sending or receiving money.
With Apple Cash UK, you can send and receive money using just a phone number or email address.
Requesting Money
Requesting money through Apple Cash is a straightforward process. You can send a request for money through Apple Cash in the Messages app.
To request money on your iPhone or iPad, open a conversation in the Messages app, tap the Apple Pay button in the app drawer, enter an amount, tap Request, and send your request.
On your Apple Watch, the process is similar: open the Messages app, tap the Apple Pay button, enter an amount, swipe on the Pay button to show the Request button, and tap Request.
You can request money from anyone who has Apple Cash set up.
Requesting Money from Someone
You can request money from someone using Apple Cash through the Messages app.
To do this on an iPhone or iPad, open a conversation with the person you want to request money from and tap the Apple Pay button in the app drawer below the input box.
If you don't see the Apple Pay button, tap the App Store button on the left of the input box first.
Enter the amount you need and tap Request.
To request money on an Apple Watch, open the Messages app and choose a conversation with the person you want to request money from.
Tap the Apple Pay button - the blue circle with the dollar sign - and enter the amount you need.
Swipe on the Pay button to show the Request button and tap it.
You can also request money on an Apple Watch by opening the Messages app, choosing a conversation, and tapping the Apple Pay button, then entering the amount and swiping to the Request button.
Where Does the Money Go?
The money you receive from a peer-to-peer payment gets transferred to an Apple Pay Cash Card, which lives in the Wallet app on your iPhone.
This card is created without involving your bank details, making the transfer instant. You can access the money right away, but only in Apple-approved ways, such as making payments via Apple Pay.
You'll need to transfer the money to your actual real-life bank account if you want to use it in other ways. The payment record itself is saved off-device, so it won't be lost if your iPhone is stolen.
Accepting Payments
You have seven days to accept the money sent to you via Apple Cash, after which payments are automatically accepted by default. This can be changed to manual, where you'll see an Accept button on any money you're sent.
To choose between automatic or manual accepting of payments, you can follow these steps:
- Open the Wallet app on your iPhone
- Tap your Apple Cash card
- Tap the three dots
- Tap Automatically Accept Payments or Manually Accept Payments
Alternatively, if you want to reject a payment, you can do so within seven days by opening the Wallet app, tapping your Apple Cash card, finding the payment under Latest Transactions, and tapping Reject Payment.
If you're using an iPad, you can change the payment acceptance setting by opening the Settings app, scrolling down and tapping Wallet & Apple Pay, tapping your Apple Cash card, and selecting Automatically Accept Payments or Manually Accept Payments.
Apple Cash Features
Apple Cash Features are designed to make sending and receiving money a breeze. You can use the feature to send and receive money directly to your Apple Cash card.
You can use Apple Cash to make purchases online and in-store. The card is accepted wherever Apple Pay is accepted.
To send money, you can use the Messages app on your iPhone or iPad. Just tap the Apple Pay button and enter the amount you want to send. You can also use Siri to send money.
The recipient gets the money instantly, and they can use it to make purchases or transfer it to their own bank account.
UK Launch and Retail
Apple Pay Cash is expected to launch in the UK soon, but the exact date is still unknown. The service was rolled out in the US in December 2017 as part of the iOS 11.2 update.
Apple has confirmed that Brazil will be getting Apple Pay Cash in 2018, and it's likely that the UK, Ireland, and Spain will also see a launch soon. A glitch in the Wallet app in January 2018 suggested that work was already underway towards a launch in the UK.
The UK launch of Apple Pay Cash is expected to follow the same setup steps as the US launch.
When Will Apple Cash Launch in the UK?
Apple Pay Cash is expected to launch in the UK soon, with many signs pointing to an imminent announcement.
We've noticed that the Apple Pay Cash option has been appearing in the Wallet app of some British iPhone owners, including one member of the Macworld team.
This glitch suggests that work was already underway towards a launch, and it's not just a UK phenomenon - the same issue has been spotted in Ireland, Spain, and Brazil as well.
The setup prompts for Apple Pay Cash have been attempted by the Macworld team, and the service isn't yet live in the UK, but the steps are likely to be the same as we detail below.
Apple has confirmed that Brazil will be getting Apple Pay Cash in 2018, and it rolled out in the US in December 2017 as part of the iOS 11.2 update.
UK Retail Offer Backed by Banks
Apple Pay will be available in 250,000 locations across the UK when it launches in July.
The service will be supported by eight of the most popular UK banks, with more banks to follow in the autumn.
Boots, Costa Coffee, Marks and Spencer, and Waitrose have all lined up to support Apple Pay.
Several major airlines, travel agents, hotels, and taxi firms have also signed up to use Apple Pay.
Commuters and tourists using the London Underground will be able to swipe their Apple phones at station turnstiles to pay for tickets.
The London Underground's operator, Transport for London, has already confirmed that existing U.S. Apple Pay users can pay for trips on the Tube.
More than 70 percent of credit and debit cards in use in the UK will be supported by Apple Pay.
Visa Europe, Mastercard, and American Express have all confirmed they will support Apple Pay in the UK.
Nationwide Building Society will also support the Apple payments service.
Bank of Scotland, Coutts, Halifax, Lloyds Bank, MBNA, M&S Bank, and TSB Bank will join in supporting Apple Pay in the autumn.
Frequently Asked Questions
How to setup Apple cash in the UK?
To set up Apple Cash in the UK, open the Settings app on your iPhone, then navigate to Wallet & Apple Pay, and toggle Apple Cash on. Follow the on-screen instructions to complete the setup process.
Can you use Apple Pay in the UK?
Yes, Apple Pay is accepted in the UK by most retailers who accept contactless payments. Transaction limits may vary depending on your location.
Sources
- https://support.apple.com/en-us/109304
- https://www.pocket-lint.com/apps/news/apple/141312-what-is-apple-pay-cash-how-does-it-work-and-when-can-you-use-it/
- https://www.macworld.com/article/672849/how-to-use-apple-pay-cash-in-the-uk.html
- https://www.macrumors.com/2023/07/13/apple-launches-tap-to-pay-on-iphone-uk/
- https://sg.news.yahoo.com/apple-offer-apple-pay-uk-july-backed-banks-203727355--sector.html
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