
Tap to Cash Apple is a convenient way to access your money without the need for a physical card or cash machine. It's a feature that's available on Apple devices.
To use Tap to Cash Apple, you'll need to have an Apple device and an Apple Cash account. You can set up your Apple Cash account through the Wallet app on your device.
The maximum amount you can send or receive using Tap to Cash Apple is $1,000 per transaction, and $10,000 per week.
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How to Use Tap to Cash Apple
To use Tap to Cash on your Apple device, you'll need to have an iPhone running iOS 18. This is a requirement for both you and the person you're sending money to.
You'll also need to enable the "Bringing Devices Together" setting in AirDrop, which can be found in Settings > General > AirDrop. Make sure the other person has done the same on their iPhone.
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To set up Tap to Cash, open the Wallet app on your iPhone and select your Apple Cash card. If you haven't set up Apple Cash yet, follow the prompts to get started.
Here are the steps to use Tap to Cash:
- Open the Wallet app and select your Apple Cash card.
- Tap “Send or Request,” then choose Tap to Cash.
- Enter the amount of money you want to send and add a note if you like.
- Double-click the side button on your iPhone to confirm the payment using Face ID, Touch ID, or your passcode.
- Hold your iPhone near the other person's iPhone or Apple Watch to complete the transfer.
- Confirm the transfer by accepting the payment on your device.
Once you've completed these steps, you'll get confirmation that the money has been sent. You can view the transaction in the Wallet app under “Latest Transactions.”
Features and Availability
With Apple Cash, you can send and receive money with just a text in Messages. This makes it easy to tip your dog walker, request funds from your roommate, or chip in for a coworker's gift.
You can also send and receive money directly in the Wallet app. Plus, you can see a select list of people with whom you've exchanged money in the past.
Shopping with Apple Cash is a breeze, as it uses Apple Pay to make transactions fast, safe, and private. You can shop in stores, online, or in apps, and Apple Pay is accepted by over 85 percent of retailers in the U.S.
You can use your virtual card number securely online and in apps anywhere Visa is accepted. This means you have even more flexibility and convenience when using Apple Cash.
To manage your Apple Cash on iPhone, you can review transactions, add money, set up auto reload, and more.
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Requirements and Setup
To use Tap to Cash, you'll need an iPhone with iOS 18 or an Apple Watch running watchOS 11. A verified Apple Cash account is also essential.
You can use either cellular data or Wi-Fi to send and receive money, but keep in mind that you can only send or receive a maximum of $2,000 per seven-day period.
The minimum amount you can send is $1, and the maximum is $2,000, which is unique to Tap to Cash.
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Requirements
To use Tap to Cash, you need to have a verified Apple Cash account already set up, which is a crucial step in the process.
You'll also need to have an iPhone that's been updated to iOS 18 or an Apple Watch running watchOS 11. Cellular data is also an option if you're not connected to Wi-Fi.
The maximum amount you can send or receive in a seven-day period is $2,000, so be mindful of that limit. The minimum amount you can send is $1, and the maximum is $2,000.
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Send by Device Unity

To send Apple Cash using the Tap to Cash feature, you need to have an iPhone or Apple Watch with the required operating system: iOS 18 or later, or watchOS 11 or later. This feature allows you to send money without sharing your phone number or email address.
To initiate the process, go to the Wallet app on your iPhone or Apple Watch. From there, you can select the Apple Cash card and choose the Tap to Cash option. This will prompt you to enter the amount you want to send and add a note if desired.
The amount you enter can be done in a few ways: on your iPhone, you can tap the amount field, while on your Apple Watch, you can use the Digital Crown or tap and . After entering the amount, you'll need to authenticate the transaction using Face ID, Touch ID, or your passcode.
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Once authenticated, hold your iPhone or Apple Watch near the recipient's iPhone or Apple Watch. Continue holding the devices near each other until the payment information appears on the recipient's screen. The recipient can then choose to Accept or Decline the payment.
Here are the steps to send Apple Cash using Tap to Cash:
- Go to the Wallet app on your iPhone or Apple Watch.
- Tap the Apple Cash card, then tap Tap to Cash.
- Enter the amount and add a note (optional).
- Authenticate with Face ID, Touch ID, or your passcode.
- Hold your iPhone or Apple Watch near the recipient's iPhone or Apple Watch.
- Continue holding the devices near each other until the payment information appears on the recipient's screen.
- The recipient can choose Accept or Decline.
Managing Your Account
Managing Your Account is a breeze with Tap to Cash Apple. You can review transactions to keep track of your spending.
To add money to your account, simply follow the instructions in the iPhone User Guide. This will help you keep your account topped up and ready to use.
Set up auto reload to ensure your account is always funded, making it easy to send and receive money. This feature can be enabled in the Wallet app on your iPhone.
You can also use the Wallet app to set up a debit card, making it easy to make purchases and pay bills. Just follow the prompts in the app to get started.
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Why Use Tap to Cash Apple
Using Tap to Cash with Apple devices makes sense if you're already using Apple Pay or Apple Cash, as it keeps everything in one place.
Tap to Cash is a convenient option for sending money to others, especially if you want to keep your personal info private.
With Tap to Cash, your phone number and email aren't shared with the person you're paying, which is a big advantage when sending money to someone you don't know well.
This incompatibility with non-Apple devices might be an obstacle, but for those who are already invested in the Apple ecosystem, Tap to Cash is a great addition.
On a similar theme: How to Make Money with Your Mobile Phone
Frequently Asked Questions
How to get cash with Apple Pay without card?
To get cash with Apple Pay without a card, look for an ATM with the contactless symbol. This allows for cardless withdrawals using Apple Pay.
Sources
- https://support.apple.com/guide/iphone/apple-cash-iph385cf0980/ios
- https://www.apple.com/apple-cash/
- https://www.engadget.com/mobile/smartphones/how-to-use-the-new-apple-cash-tap-to-cash-feature-in-ios-18-151915913.html
- https://www.yournavi.com/posts/apple-tap-to-cash
- https://support.apple.com/guide/watch/use-apple-cash-apda7cde6cd7/watchos
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