How to Send Apple Cash and Manage Your Payments

Sending Apple Cash is a breeze, and you can do it right from your iPhone or iPad. To get started, make sure you have the latest version of the Wallet app.

You'll need to have a debit card or bank account linked to Apple Cash, and you can do this by tapping the "Add a Payment Method" button in the Wallet app. This will take you through the process of adding your card or bank account information.

To send Apple Cash, simply tap the "Send" button in the Wallet app and enter the recipient's phone number or email address. You can also add a note to the transaction if you want to.

To set up Apple Cash, you'll need a compatible Apple device. This is the first step in getting started with Apple Cash.

You'll need to ensure two-factor authentication is enabled for your Apple ID, which can be done in the Settings app. This is an important security feature to protect your account.

To load funds onto the Apple Cash card, you'll need an eligible debit card. This can be a standard debit card or a card specifically designed for Apple Cash.

Here are the three things you'll need to set up Apple Cash:

You can receive Apple Cash with iPhone or Apple Watch in person using Tap to Cash. This feature is great for paying for a yard sale find or an extra ticket from a friend of a friend.

To use Tap to Cash, select your Apple Cash card in the Wallet app and tap "Send or Request" then Tap to Cash. You can even add Tap to Cash to Control Center for easy access.

You'll need to authorize the payment with Face ID, Touch ID, or your passcode, then hold your device near someone else's.

Receiving payments with Tap to Cash is a breeze. You can receive money from someone by holding your iPhone or Apple Watch near theirs, without needing to share your phone number or email address.

To receive money, the other person will need to select the Apple Cash card in their Wallet app, tap "Send or Request", and then choose Tap to Cash. They'll then hold their device near yours, and you'll receive a notification with the payment information.

The recipient can choose to accept or decline the payment, and once accepted, the money will be transferred to your Apple Cash account. You can even add Tap to Cash to Control Center for easy access.

Here's a step-by-step guide to receiving money with Tap to Cash:

Note that Tap to Cash is supported on all iPhone models with iOS 18 or later and all Apple Watch models with watchOS 11 or later.

To receive payments through Messages, you can use Apple Cash. This feature allows you to receive money directly in the Messages app.

To get started, both you and the sender need to have Apple Cash set up. You can then receive payments by starting a new message or tapping an existing conversation, tapping the Apple Cash icon, and following the prompts.

You can also request funds from someone by tapping the Apple Cash card in the Wallet app, then tapping Send or Request, and following the prompts.

To make it even easier, Apple Cash keeps a record of people you've exchanged money with in the past, so you can quickly see who you've sent or received money from.

You can receive payments directly in the Messages app, making it convenient to request funds from friends, family, or even your dog walker.

You can send Apple Cash to someone directly from your Wallet or in the iMessage app. Both the sender and recipient need Apple Cash to send or receive money.

To send a payment using Apple Cash, you can follow these steps:

You can also use Tap to Cash to send Apple Cash, which allows you to send money to someone by holding your iPhone or Apple Watch near their iPhone or Apple Watch.

Sending payments with Apple Cash is easy and convenient. You can do it from the Wallet app or directly in Messages.

To send a payment from the Wallet app, go to the Apple Cash card, tap Send or Request, then follow the prompts. You can also use Tap to Cash, which allows you to send money to someone by holding your iPhone or Apple Watch near theirs.

With Tap to Cash, you can send money without sharing your phone number or email address. It's supported on all iPhone models with iOS 18 or later and all Apple Watch models with watchOS 11 or later.

To set up Tap to Cash, go to the Wallet app, tap the Apple Cash card, tap Send or Request, then tap Tap to Cash. Enter the amount, add a note (optional), then tap Next. Authenticate with Face ID, Touch ID, or your passcode, and then hold your iPhone near the recipient's iPhone or Apple Watch.

If you're using Tap to Cash to exchange money, make sure you and the other person are running iOS 18. To set this up, go to Settings > General > AirDrop, and enable Bringing Devices Together. Then, open the Wallet app, tap the Apple Cash card, and follow the prompts.

You can also send money directly from the Messages app. To do this, go to the Messages app, start a new message or tap an existing conversation, tap the Apple Cash icon, and follow the prompts.

When sending money, you can choose to send a one-time payment or set up recurring payments. To set up recurring payments, go to the Wallet app, select Apple Cash > Send or Request > Send, and follow the prompts.

You can also request money from someone else using Apple Cash. To do this, open the Wallet app, select the Apple Cash card, and tap the Send or Request button. Type the name, email address, or phone number of the person from whom you're requesting the money.

If you're sending money to someone for the first time, they'll need to accept the payment within seven days for it to go through. After the first instance, payments are automatically accepted.

To transfer money to your bank account, go to the Wallet app, select the Apple Cash card, and tap Transfer to Bank. Most transfers complete within 1-3 business days.

Here are the ways to send a payment using Apple Cash:

If you need to send money to someone with a debit card, you can use Instant Transfer to send funds immediately from your Apple Cash card to a Mastercard or Visa debit card.

The fee for this transfer is 1.5% of the transfer amount, with a minimum of $0.25 and a maximum of $15.

You'll see the exact fee before you complete the transfer, so you can make an informed decision.

To initiate an Instant Transfer, make sure your iPhone or iPad has the latest version of iOS or iPadOS and that you have an eligible debit card in the Wallet app.

Here's a step-by-step guide to transferring funds instantly:

Your funds should transfer immediately, but can take up to 30 minutes.

To transfer your Apple Cash balance to a bank account, you'll want to follow these steps.

You can initiate a transfer from the same place where you added funds to your Apple Cash card. Click the icon with three dots next to your digital card to get started.

You'll be asked whether you want to do an instant transfer or a transfer in one to three business days. Instant transfers can only be made to an eligible debit card, not a bank account.

If you choose an instant transfer, you'll pay a 1.5 percent fee, and the money will be sent within 30 minutes.

Most transfers, however, complete within 1-3 business days and don't incur any fees.

You can send Apple Cash payments from your Wallet or in the iMessage app. This is convenient because both the sender and recipient need Apple Cash to send or receive money.

To send a payment from your Wallet, you just need to select the contact you want to send money to and enter the amount.

Both methods allow you to send money to anyone with Apple Cash, making it easy to split bills or send cash to friends and family.

You can transfer up to $10,000 per transfer and up to $20,000 within a seven-day period from Apple Cash to your bank account. You can transfer money from Apple Cash to a bank account in the United States, but not internationally.

To give you a better idea, here are the transfer limits for Apple Cash:

You can transfer a minimum of $1 to your debit card or bank account, or your full balance if it's under $1, making it easy to send what you need.

You can transfer up to $10,000 per transfer and up to $20,000 within a seven-day period from Apple Cash to your bank account.

There are no fees to transfer money from Apple Cash to your bank account unless you use Instant Transfer to send money to your debit card.

To give you a better idea, here are some key transfer limits to keep in mind:

You can only transfer your money to a bank account in the United States, so make sure you have a US-based bank account to receive transfers from Apple Cash.

If you're under 18 and part of Apple Cash Family, you have some specific options for managing your Apple Cash account.

Children under 13 can transfer funds from their Apple Cash account to their bank account.

Teens 13 and older can transfer funds to their bank account or to an eligible debit card using Instant Transfer.

This means that younger kids can still save their money, while older teens have more flexibility with how they use their funds.

You can send Apple Cash directly from the digital Apple Cash card in the Wallet app or through the iMessage app. The money shows up on the recipient's Apple Cash card instantly.

You can send or receive anywhere between $1 and $10,000 per message. The amount a child can send is limited to $2,000 per message if you've set up Apple Cash Family for them.

To send money to a peer, simply access the Wallet app and select the Apple Cash card. Then, choose the amount you want to send and confirm the transaction.

Instant transfers to a bank account are possible, but it comes with a 1.5 percent fee. This fee is a small price to pay for the convenience of receiving money instantly.

Transferring funds from Apple Cash is a breeze. You can use Instant Transfer to send money immediately to a debit card.

If the recipient has a Mastercard or Visa debit card, you're all set. This service is available 24/7, so you can transfer funds at your convenience.

To initiate a transfer, you'll see the exact fee before completing the process. This fee is a percentage of the transfer amount, which is a minimum of $0.25 and a maximum of $15.

Here's a breakdown of the Instant Transfer fees:

This fee is a small price to pay for the convenience of instant transfers.