Adding Apple Cash to Your Card Made Simple

Apple Watch
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You can add Apple Cash to your card in just a few taps.

To start, make sure you have a valid debit or credit card linked to your Apple Cash account.

Having a linked card is necessary for Apple Cash to work, so don't skip this step.

Once you've linked your card, you can add Apple Cash to your card balance whenever you want.

Eligibility and Setup

To put Apple Cash on a card, you'll need to meet the eligibility criteria, which includes being a US citizen or resident, having a valid US address, and being at least 13 years old.

To set up Apple Cash, you'll need to have an iPhone or iPad running iOS 8 or later, and an Apple ID. You can't use Apple Cash on a Mac or PC.

You'll also need to have a debit or credit card linked to your Apple Cash account, which can be done through the Wallet app on your iOS device.

To link a card, you'll need to have the card's card number, expiration date, and security code readily available.

Apple Cash can be set up for family members, but each family member will need their own Apple ID and iOS device.

Transfer Process

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Transferring Apple Cash to your bank account is a straightforward process. You can transfer your Daily Cash received from your Apple Card to your bank account, which can be a great addition to your digital wallet.

To transfer Apple Cash to your bank account, you can follow these steps:

  1. On iPhone: Open the Wallet app, tap your Apple Cash card, tap the More button, then tap Transfer to Bank.
  2. Enter an amount and tap Next.
  3. Tap the 1-3 Business Days option, then tap Next.
  4. Double-click the side button to confirm the transfer. Then authenticate with Face ID, Touch ID, or passcode.

Your funds should transfer within 1 to 3 business days, depending on your delivery choice.

Timing and Delivery

You can transfer Apple Cash funds to your bank account in as little as a few days or within minutes, depending on your delivery choice.

If you choose to transfer your funds within 1-3 business days, you can expect them to post in this timeframe.

To transfer your Apple Cash funds quickly, you can select the "1-3 Business Days" option when prompted, and your money should be posted within this timeframe.

Your funds should transfer within 1 to 3 business days if you follow the steps to transfer them to your bank account.

Take a look at this: 3 Cash Back Credit Cards

Deliver in 1-3 Business Days

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If you're looking to transfer funds from Apple Cash to your bank account, you can expect to receive your money within 1 to 3 business days. This timeframe is a standard delivery option available on the Wallet app.

To initiate the transfer, follow these steps: Open the Wallet app, tap your Apple Cash card, tap the More button, then tap Transfer to Bank. You'll then be able to enter an amount and choose the 1-3 Business Days option.

The exact delivery time may vary depending on your bank's processing speed, but 1-3 business days is a common timeframe for most users.

Instantly

If you need to transfer your Apple Cash funds to your bank account or debit card instantly, you can do so with Apple Cash Instant Transfers. This feature allows you to transfer funds in as little as a few minutes, though they may take up to 30 minutes to post.

Curious to learn more? Check out: How to Send Apple Cash to Debit Card

A Person Using Mobile Phone to Pay Cashless
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To use Apple Cash Instant Transfers, you'll need to add a debit card to your Apple Cash account. This can be done by tapping "Add Card" in the Transfer to Bank section of the Apple Cash card in your Wallet app.

The fee for Apple Cash Instant Transfers is 1.5% of the total transaction, with a minimum of 25 cents and a maximum of $15 per transaction. This fee is deducted from the transferred amount, so you'll receive the remaining balance in your bank account or on your debit card.

You can find more information on Apple Cash Instant Transfers by visiting the Apple support website at support.apple.com.

Accepted Worldwide

Apple Pay is widely accepted, making it easy to shop with your Apple Cash card. Over 85 percent of retailers in the U.S. accept Apple Pay, so you can use your card in stores, online, or through apps.

You can shop anywhere that accepts Visa, giving you even more flexibility.

Acceptance and Payment

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Apple Cash is a convenient way to make payments, and it's accepted in millions of places. You can use Apple Pay to make shopping fast, safe, private, and easy, and with over 85 percent of retailers in the U.S. accepting Apple Pay, you can shop almost anywhere.

To receive money sent to you, you can either accept payments automatically or manually. To enable automatic payments, open the Wallet app, tap your Apple Cash card, and then tap Card Details. From there, you can toggle on Automatically Accept Payments.

If you prefer to accept payments manually, you can do so by opening the Messages conversation where you received the payment, tapping Accept, and following the on-screen instructions. You have 7 days to accept the payment, so don't worry if you're busy – you can do it at your convenience.

Changing your payment method is easy, and it updates on all your devices.

Frequently Asked Questions

How do I add Apple Cash to my payment method?

To add Apple Cash to your payment method, go to Settings > Wallet & Apple Pay and toggle Apple Cash on. Follow the on-screen instructions to complete the setup process.

Can I use my Apple Cash as a card?

Yes, you can use Apple Cash as a digital card for online and in-app purchases, and in stores where Apple Pay is accepted. You can also use your Apple Cash virtual card number securely online and in apps where Visa is accepted.

Can I send money from Apple cash to my debit card?

Yes, you can transfer money from Apple Cash to your debit card, with a minimum transfer of $1 and a maximum of $2,000 per single transfer

How do I get money out of Apple cash?

To get money out of Apple Cash, select "Transfer to Bank" and choose the amount you want to transfer, up to the available balance. You can transfer the full amount, such as $10, back to your bank account.

Nellie Hodkiewicz-Gorczany

Senior Assigning Editor

Nellie Hodkiewicz-Gorczany is a seasoned Assigning Editor with a keen eye for detail and a passion for storytelling. With a strong background in research and content curation, Nellie has developed a unique ability to identify and assign compelling articles that capture the attention of readers. Throughout her career, Nellie has covered a wide range of topics, including the latest trends and developments in the financial services industry.

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