
Transferring Apple Cash to your bank account is a straightforward process that can be completed in a few steps. You can start by opening the Wallet app on your iPhone.
To get started, make sure you have Apple Cash set up on your iPhone, which involves adding a debit card or bank account to your Apple ID. This will allow you to send and receive money using Apple Cash.
To transfer Apple Cash to your bank account, you'll need to have a bank account linked to your Apple ID, as mentioned in the previous section.
Transferring Apple Cash
Transferring Apple Cash is a relatively straightforward process. You can do it on both your iPhone and iPad.
To start, open the Wallet app on your Apple device. From there, tap on your Apple Cash card to bring up the options. On an iPhone, you'll see a "More" button (three dots inside a circle) in the upper right corner of the screen. Tap that to access the "Transfer to Bank" option.

On an iPad, you can find the "Transfer to Bank" option by opening settings and tapping "Wallet & Apple Pay", then tapping on the "Apple Cash" card. Either way, you'll then be able to enter the amount of money you'd like to transfer and select your delivery option.
You have two delivery options: Instant Transfer, which charges a small fee but typically transfers the money instantly or within 30 minutes, and 1-3 Business Days, which is free but takes up to three business days for the money to be deposited into your bank account.
For another approach, see: How to Cash Business Check without a Bank Account
Add Funds
Adding funds to your Apple Cash account is a straightforward process. You can transfer money from your bank account to Apple Cash using the Wallet app on your iPhone or iPad.
To transfer money from your bank account, you'll need to tap the "Transfer to Bank" option in the Wallet app on your iPhone or iPad. This will bring up the transfer amount and delivery options.

You can choose to transfer money instantly or within 1-3 business days. The instant transfer option is a small fee, but it's typically transferred within 30 minutes. The 1-3 business days option is free, but it may take up to three business days for the money to be deposited into your bank account.
If you're using an iPhone, you can also transfer money from your bank account by opening the Wallet app, tapping the "Apple Cash" card, and then selecting "Transfer to Bank." If you're using an iPad, you'll need to open the Settings app and tap "Wallet & Apple Pay" to access the transfer option.
It's worth noting that minors can only transfer their Apple Cash to their bank account, but teens can transfer Apple Cash to a bank account or eligible debit card.
Using iPad for Money Transfer
You can transfer Apple Cash to a bank account using an iPad.

To start, go to Settings on your iPad and choose "Wallet and Apple Pay." This is the first step in the process.
Next, find your Apple Cash card and tap it. This will bring up the options for transferring money.
Tap the "Transfer to Bank" button to proceed.
Specify how much you want to send to your bank account and tap "Next." You'll then need to choose the transfer speed.
The "1–3 Business Days" variant is a free option that takes up to three business days for the money to be deposited into your bank account.
Alternatively, you can choose the "Instant Transfer" option, which charges a small fee but typically transfers the money instantly or within 30 minutes.
Debit Card and Account Management
To transfer Apple Cash to your debit card, you'll need to link it to Apple Wallet first. This allows you to transfer money directly to your debit card.
You can add a debit card to Apple Wallet by tapping the plus button in the app and following the on-screen steps. Some card issuers may require you to sign in to your account or download an app to verify your identity.
A different take: How to Add Money to Apple Cash without Debit Card

To transfer Apple Cash to your debit card, follow these steps: Open the Apple Wallet app, tap the image of an Apple Cash card, then tap the More button (…), tap Transfer to Bank, enter an amount to transfer, and tap Next. Choose the Instant Transfer option and select the debit card you want to transfer the money to.
Your money should be available on your debit card within 30 minutes. If it's not there after two hours, contact Apple Support.
Requirements for a Bank Account
To transfer Apple Cash to a bank account, you need to have an eligible debit card or bank account linked to your Apple Pay, and your device must have the latest version of iOS or watchOS.
You'll need to make sure your debit card is linked to Apple Wallet, as this is a requirement for transferring Apple Cash to a debit card.
Some card issuers may require you to sign in to your account or download an app to verify your identity before allowing the card to be used through the Apple Wallet.

To add a debit card to Apple Wallet, simply tap the plus button in the Wallet app and follow the steps on the screen.
Here are the requirements for transferring Apple Cash to a bank account:
How to Manage Your Account
Managing your Apple Cash account is a breeze, and you can transfer funds to your bank account in just a few taps. To start, you need to link your bank account to Apple Wallet.
You can withdraw money from your Apple Cash balance to your bank account by following these steps: open the Apple Wallet app, tap the Apple Cash card, then tap the More button, and select Transfer to Bank. You'll then enter an amount to transfer, choose the 1-3 Business Days option, and confirm the transaction with Face ID, Touch ID, or your passcode.
If you don't have a bank account linked to your Apple Wallet app, don't worry! You can add one by following the on-screen instructions.

The transfer process is the same on both iPhone and iPad. On both devices, you'll need to tap on your Apple Cash card, then tap on the three dots inside a circle in the top right corner of your screen (on iPhone) or go to the Settings app, select Wallet & Apple Pay, and tap on your Apple Cash card (on iPad).
You can transfer between $1 and $10,000 from your Apple Cash balance to your bank account, and the funds will arrive in one to three business days after finalizing the transfer.
Fees and Limits
Transferring Apple Cash to your bank account is a convenient option, but it's essential to understand the fees and limits involved. You can send up to $10,000 in a single transaction.
The transfer limit within 7 days is $20,000. However, if you're a member of the Apple Cash Family, which includes those under 18, the single transaction limit is $2,000 and no more than $4,000 per week.
Instant transfers to your debit card come with a 1.5% fee of the transfer amount, with a minimum fee of 25 cents and a maximum fee of $15.
On a similar theme: Cashapp Instant Transfer Fee
Fees and Limits

You can transfer up to $10,000 per single transaction from Apple Cash to your bank account.
Transferring funds from Apple Cash to debit cards and bank accounts is only possible within the United States.
The weekly transfer limit for standard accounts is $20,000, but it's $4,000 a week for Apple Cash Family members.
There's a fee for instant transfers to your debit card, which is 1.5% of the transfer amount, with a minimum fee of 25 cents and a maximum fee of $15.
If you choose the standard transfer option, transferring Apple Cash to your bank account is generally free.
The fee for instant transfers to your debit card is a percentage of the transfer amount, which can be a significant addition to your transfer.
You can transfer up to $2,000 per single transaction from Apple Cash to your bank account if you're an Apple Cash Family member under 18.
Expand your knowledge: Bank of America Charge for Cashing Check
US Accounts Only
You can only transfer money from Apple Cash to a US bank account, so make sure your bank account is based in the US. Only accounts from US banks are compatible with Apple Cash's withdrawal function.
If you try to transfer money to a non-US bank account, the transaction will fail.
What's the Difference Between

Apple Cash is a digital card that holds money received from friends and family, and can be used to pay for things anywhere that accepts Apple Pay. It's stored in your Wallet app.
Apple Pay is software in your iPhone that allows you to make secure, contactless payments from your Apple Cash or any card you have loaded into your Apple Wallet. This means you can leave your physical cards at home.
Account and Payment Options
To transfer Apple Cash to your bank account, you need to link your bank account to Apple Wallet. This is a crucial step to ensure a smooth transfer process.
You can transfer money from your Apple Cash balance to your bank account in just a few taps within the Apple Wallet app. To do this, open the Apple Wallet app and tap the image of an Apple Cash card, then tap the More button (…).
From there, you'll see a "Transfer to Bank" option that you can tap to proceed. You'll then need to enter the amount of money you want to transfer and tap "Next".
The transfer process takes up to 3 business days to complete, so be sure to plan accordingly.
Transfer Process and Timing

To transfer Apple Cash to your bank account, you'll need to follow a few simple steps. The first step is to open the Apple Wallet app and tap the image of your Apple Cash card, then tap the More button (…). You can then select the "Transfer to Bank" option.
The transfer process is straightforward: enter an amount of money to transfer, tap Next, and choose the 1-3 Business Days option. If you don't have a bank account linked to your Apple Wallet app, you'll be prompted to add one. This is a crucial step, as you won't be able to complete the transfer without a linked account.
The transfer will take up to 3 business days to process, during which time the funds will be available in your bank account. You can confirm the transaction using Face ID, Touch ID, or your passcode.
Can I Transfer Daily
You can transfer Daily Cash to your bank account, which is a great way to use your cash back rewards.
Daily Cash can be a great addition to your digital wallet, but you can also transfer Apple Cash funds to your bank account.
Depending on your delivery choice, your money can post in as little as a few days or within minutes.
How to Transfer to My Account

To transfer Apple Cash to your bank account, you'll need to link your bank account to Apple Wallet first. This can be done through the Wallet app on your Apple device.
To initiate the transfer, open the Wallet app and tap on your Apple Cash card. Then, select the "Transfer to Bank" option. You can choose from a range of transfer speeds, but keep in mind that the funds will be available in your bank account within 1-3 business days.
You can transfer between $1 and $10,000, and the amount must not exceed your available Apple Cash balance. If you don't have a bank account linked to your Apple Wallet app, you'll be prompted to add one during the transfer process.
Here's a step-by-step guide to transferring Apple Cash to your bank account:
- Open the Wallet app and tap on your Apple Cash card.
- Tap the More button (…), then select "Transfer to Bank".
- Enter the amount you want to transfer, then tap Next.
- Choose the transfer speed, which may take up to 3 business days.
- Confirm the transaction with Face ID, Touch ID, or your passcode.
After confirming the transaction, the funds will be on their way to your bank account.
How Long Does Moving to a New Account Take?

Transferring funds to a new account can take some time, but it's worth it in the end. Standard transfers from Apple Cash to a bank account typically take 1 to 3 business days.
If you need the money right away, you can opt for an instant transfer, but be aware that it may come with a fee.
1-3 Business Days
Transferring Apple Cash to your bank account using the 1-3 Business Days option is a great way to get your money without waiting for instant transfers. This method typically takes 1 to 3 business days.
To initiate the transfer, you'll need to have a bank account set up. If you don't already have one, you'll need to follow the instructions to add your account, which will require entering your account number and routing number.
The 1-3 Business Days option sends money to the bank account listed under that option via bank ACH transfer. This is a secure and reliable way to transfer your Apple Cash.
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Once you've selected the transfer option, you'll need to confirm the transaction using Face ID, Touch ID, or a passcode. This ensures that your transfer is secure and accurate.
You can expect your transfer to be processed within 1 to 3 business days, depending on your bank's processing time. This is a standard timeframe for Apple Cash transfers.
Troubleshooting and Verification
If you run into problems using Apple Cash, it's not because the procedure is complicated, but because you may have missed a crucial step.
Apple Cash transfers are generally simple, but issues can arise if you don't follow the correct procedure.
Sometimes, it's helpful to take a step back and review the basics, like checking that you have the correct bank account information entered.
Payment Failure: What to Do
If your Apple Cash transfer to a bank fails, check for any error messages.
Ensure your bank account information is correct. If it's not, update the details and try the transfer again.
Check that your bank accepts transfers from Apple Pay. If it does, and issues persist, contact Apple Support.
Troubleshooting

Troubleshooting can be frustrating, but don't worry, we've got some tips to help you out. Sometimes the procedure for how to transfer Apple Cash to bank accounts is simple, but other times you may encounter problems that are difficult to understand.
If you run into problems using Apple Cash, it's essential to know that the procedure for troubleshooting is available.
Below are a few things to keep in mind: Apple Cash transfers can sometimes be delayed, but they are usually processed within a few minutes.
If you're experiencing issues, try checking your Apple Cash balance and making sure your bank account information is up to date.
Apple Cash transfers may be declined if there's an issue with your bank account or if you've exceeded your daily transfer limit.
Identity Verification Needed
You may need to verify your identity to use Apple Cash, including transferring money to your bank. This process involves providing personal information for verification.
To verify your identity, you'll need to provide some personal details, which will be used to authenticate your account.
Check this out: How to Verify Cash App for Apple Pay
Can Minors Open an Account?

Minors can participate in Apple Cash, but they need to be part of an Apple Cash Family. This is a special feature that allows family groups with members under age 18 to use Apple Cash.
Teens who are at least 13 years old can transfer funds through ACH bank transfer or Instant Transfer.
See what others are reading: How to Setup Apple Cash Family
Frequently Asked Questions
How to transfer money from Wallet to bank?
To transfer money from Wallet to bank, log in to your wallet app and navigate to the 'TRANSFER TO BANK' option. Enter the transfer amount and verify your bank account details to complete the transaction.
Is Apple cash Deposit instant?
Apple Cash deposits are typically available instantly, but may take up to 30 minutes to post. If not deposited within 2 hours, contact Apple support.
Can I transfer my Apple cash to my bank?
Yes, you can transfer your Apple Cash to your bank by following the steps in the Wallet app on iPhone or the Settings app on iPad. Learn how to transfer your Apple Cash to your bank account in just a few taps.
How do I add Apple Pay to my bank account?
To add Apple Pay to your bank account, tap "Transfer to Bank" in the balance section and then select "Add Bank" on the next screen. This will guide you through the process of linking your bank account to Apple Pay.
Can you withdraw money on Apple cash?
Yes, you can withdraw money from Apple Cash, but only to a bank account in the United States. Withdrawals to international accounts are not currently supported.
Sources
- https://www.nerdwallet.com/article/banking/how-to-transfer-apple-cash-to-your-bank-account
- https://rates.fm/payment-systems/how-to-transfer-apple-cash-to-your-bank-account/
- https://stilt.com/financial-apps/how-to-transfer-apple-cash-to-bank/
- https://www.gobankingrates.com/banking/technology/how-to-transfer-apple-cash-to-bank/
- https://www.businessinsider.com/guides/tech/how-to-transfer-apple-cash-to-bank
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