Apple Cash (formerly Apple Pay Cash) is Apple's peer-to-peer payments service. Once you've set up an Apple Cash card on your iPhone or iPad, it can be used to make and receive payments in Messages, or you can get Siri to send money to a friend or family member. This article shows you how.

apple pay cash 1
When someone sends you money via Apple Cash, it goes on your virtual Apple Cash card, which is stored securely in the Wallet app on your iPhone or iPad. You can use the money on it to send to someone, make purchases using Apple Pay in stores, within apps, and on the web. Alternatively, you can transfer the money on your Apple Cash card directly to your bank account.

Furthermore, if you've applied for Apple's own-branded credit card – called simply Apple Card – you can use Apple Cash to help pay off your Apple Card balance. You can also take advantage of Apple Card's "Daily Cash" rewards system, where Apple pays out cash back bonuses on a daily basis.

Sending and Requesting a Payment via Apple Cash

  1. Open a conversation in Messages.
  2. Tap the Messages App Store icon.
  3. Choose the "Apple Pay" icon.
  4. Tap the "+" or "-" buttons to enter an amount, or use the keyboard.
  5. Tap "Request" or "Pay."
  6. You'll have an option to preview your payment or request for payment.applepayrequestmoney
  7. Press the blue arrow button to send.

When sending a payment, the money you've sent will be listed as "pending" in the Wallet app until the person on the receiving end accepts. Once accepted, the payment will be listed in "Last Transaction" under the Apple Cash card in Wallet. While still pending, a payment can be cancelled.

applepaycashpending
Money that you're sending will be pulled from a linked debit/credit card or from the Apple Cash card itself if you've added funds to that card or received funds from other people. If you send money using the Apple Cash card or a debit card, there's no charge. For a credit card, there's a 3% fee.

When accepting a payment, the cash will be added to your Apple Cash card in the Wallet app. From there, it can be used to make purchases where Apple Pay is accepted like any other card or it can be transferred to a connected bank account.

applepaycashreceived
Apple Cash works in any conversation with a single person. The option won't be available for group messages.

Sending Money via Siri

  1. Activate Siri.
  2. Tell Siri to send a payment. Example: "Send $1 to Eric."
  3. If multiple payment apps are installed, you'll need to confirm that you want to use Apple Pay.
  4. Unlock your iPhone using Face ID or Touch ID. applepaycashsendingmoneysiri
  5. Tap "Send."
  6. Double click the side button to pay on iPhone X or put a finger on the Touch ID Home button to confirm payment on other devices.

Changing Apple Cash Settings

You can access your Apple Pay settings in the Settings app or through the Wallet app.

  1. Open Settings.
  2. Go to Wallet and Apple Pay.
  3. Tap on the "Apple Cash" card.

From this interface, you can add money to your Apple Cash card, transfer your cash to the bank (which requires adding a bank account) and choose to automatically or manually accept payments.

applepaycashbanktransfersettings

Verify Identity

Once you've sent or received a combined $500 with Apple Cash, you will need to verify your identity. Identity Verification is available in the Settings app, but it may not be fully functional at this time.

  1. Open Settings.
  2. Go to Wallet and Apple Pay.
  3. Tap on the "Apple Cash" card.
  4. Choose "Verify Identity."

You will be asked to confirm your legal name and address, along with the last four digits of your social security number and date of birth. Apple will also ask questions related to your personal history and request a photo of a driver's license or state ID card.

applepaycashverify
Once your identity has been verified, you can have up to $20,000 on your Apple Cash card.

Apple Cash Limits

There are limits on the amount of money that you can send per day and per transaction, and the amount of money you can add to your Apple Cash card.

When adding cash, you must add a minimum of $10 per transaction, but you're not able to add more than $3,000. Over a 7-day period, you can add a maximum of $10,000 to your Apple Cash card.

When sending or receiving money, you can send/receive a minimum of $1 and a maximum of $3,000. Over the course of a 7-day period, you can send/receive up to $10,000.

Transferring money to your bank can be done at any time. A minimum of $1 can be transferred at a time, or less than a $1 if your total balance is under $1. Up to $3,000 can be transferred in a single transfer, and over 7 days, you can transfer up to $20,000 to your bank account from Apple Cash.

Apple Cash Requirements

To use Apple Cash, the following requirements must be met:

  • Both parties must be running iOS 11.2 or later.
  • An iPhone 6 or later must be used.
  • Two-factor authentication must be turned on.
  • You must be at least 18 years old.
  • You must be in the United States with a U.S. credit/debit card and social security number if verification is required.
  • An eligible credit or debit card must be available in Wallet.

Along with iPhones and iPads running iOS 11.2 or later, Apple Cash can also be used on the Apple Watch on devices that are running watchOS 4.2 or later. Sending money from an Apple Watch follows the same general process as the iPhone, with payments made and received through the Messages app.

Related Roundup: Apple Pay

Top Rated Comments

tmiw Avatar
49 months ago
Drug dealer: "I got some kilos of cocaine."
Drug buyer: "I'll send the money to you" (press blue arrow) "okay...done."
Shhhh, it's called ramen! :p
Score: 5 Votes (Like | Disagree)
theshoehorn Avatar
49 months ago
Sure , but it costs me nothing to send money via my Barclays app.

While I get emergencies , it's silly to use this for regular payments
I'm pretty sure it's free to use with a debit card, and the 3% is only if you try to use a credit card to fund a payment....
Score: 5 Votes (Like | Disagree)
Internet Enzyme Avatar
49 months ago
Rest in Peace to that $1 that the writer spent when creating this article.
Score: 4 Votes (Like | Disagree)
Zombie Acorn Avatar
49 months ago
Hi Mom, need some money for ramen.

Mom: Im sending over your resume, get a job.
Score: 4 Votes (Like | Disagree)
deany Avatar
49 months ago
Surprised anyone has any cash left.
Score: 3 Votes (Like | Disagree)
smallcoffee Avatar
48 months ago
Anybody else not get the menu selector to enable Apple Pay Cash? I updated and I'm on an iPhone 7.
Score: 2 Votes (Like | Disagree)

Top Stories

nothing ear 1 buds 1

Nothing 'Ear (1)' True Wireless Earbuds Launch to Take on AirPods Pro With ANC and Unusual Design for $99

Tuesday July 27, 2021 7:57 am PDT by
Nothing, a new brand from OnePlus founder Carl Pei, has today officially launched the "Ear (1)" true wireless earbuds after months of anticipation around the company's AirPods Pro rival. The Ear (1) features an in-ear design, Active Noise Cancelation, Bluetooth 5.2, IPX4 water resistance, and a charging case with Qi-compatible wireless charging and a USB-C port. Fast pairing is supported on...
iOS 14 on iPhone feature emergency

Apple Releases iOS and iPadOS 14.7.1 With Fix for Touch ID Apple Watch Bug

Monday July 26, 2021 9:48 am PDT by
Apple today released iOS and iPadOS 14.7.1, minor bug fix updates that come just a week after the release of iOS 14.7, software that introduced new Apple Card features and support for the MagSafe Battery Pack. The iOS and iPadOS 14.7.1 updates can be downloaded for free and the software is available on all eligible devices over-the-air in the Settings app. To access the new software, go to...
iPad mini pro feature 2

iPad Mini 6 to Feature 8.3-Inch Display With No Home Button and Narrower Bezels

Monday July 26, 2021 12:26 pm PDT by
The sixth-generation iPad mini that's in the works will have an 8.3-inch display, according to display analyst Ross Young. That will be larger than the current 7.9-inch display, with the larger size due to the removal of the Home button and a narrower bezel design. Rumors about the iPad mini 6 have been picking up in recent weeks ahead of its prospective launch this fall. Apple analyst...
iphone 12 pro gold

Report: iPhone 14 Pro Models to Feature Tough Titanium Alloy Chassis

Monday July 26, 2021 1:12 am PDT by
Next year's "iPhone 14" series is expected to feature high-end models with a new titanium alloy chassis design, claims a new investors report by JP Morgan Chase. According to the report, the use of titanium alloy will be one of the biggest changes to the case design in the 2022 iPhone series, and Foxconn will be the exclusive manufacturer of the titanium frames for the high-end models....
iOS 15 General Feature Purple

Everything New in iOS 15 Beta 4: Safari Tweaks, MagSafe Battery Pack Support, Notification Updates and More

Tuesday July 27, 2021 11:47 am PDT by
Apple today released the fourth betas of iOS 15 and iPadOS 15, introducing additional refinements to the new features that are coming in the software updates. In these betas, Apple has introduced changes for Safari, Notifications, Focus mode, and more. Safari Updates Apple is continuing to refine the design of Safari on the iPhone, and in iOS 15, there are tweaks to improve usability. ...
apple mac business page

Apple Shares 11 Reasons Why Business Users Should Choose Macs

Monday July 26, 2021 11:35 am PDT by
Apple today updated its Apple at Work website with a new section dedicated to the Mac, which offers up 11 reasons why "Mac means business." On the webpage, Apple highlights the M1 chip as the number one reason why business users should choose a Mac, offering up an M1 overview [PDF] that explains the benefits of the M1 chip. The information isn't new, but it does provide a look at all of...
imac with accessories

Larger Redesigned High-End iMac Rumored to Launch Next Year

Monday July 26, 2021 3:45 am PDT by
Apple's larger redesigned iMac will arrive sometime in 2022 rather than later this year, according to the leaker known as "Dylandkt." On Twitter, Dylandkt claimed that Apple's "high end iMac" is not expected to release in the fourth quarter of 2021 alongside Apple's "M1X Macs" – a reference to Apple's redesigned MacBook Pro models – because "Apple simply does not want their devices to...
General iOS 14

iOS 14.7.1 and macOS Big Sur 11.5.1 Patch Security Vulnerability That May Have Been Actively Exploited

Monday July 26, 2021 11:55 am PDT by
Apple today released unexpected iOS 14.7.1 and iPadOS 14.7.1 updates to the public, and according to a newly released support document, the software addresses a serious security vulnerability that may have been exploited in the wild. Apple says that an application may have been able to execute arbitrary code with kernel privileges due to a memory corruption issue. "Apple is aware of a report ...
apple bitcoin hack

Is Apple Really Buying Bitcoin?

Monday July 26, 2021 3:07 am PDT by
A large number of websites and posts on social media are stoking rumors that Apple has purchased $2.5 billion worth of bitcoin in the company's first move into cryptocurrency, but is there any validity to the claims? Many people are citing the fact that Apple was looking for a Business Development Manager with experience in alternative payments, including cryptocurrency, earlier this year as ...
new m1 chip

Tim Cook on Apple Deciding to Manufacture Components: 'We Ask Ourselves If We Can Do Something Better'

Tuesday July 27, 2021 3:04 pm PDT by
During today's earnings call for the third fiscal quarter of 2021 (second calendar quarter), Apple CEO Tim Cook was asked how Apple decides what components to purchase and what components to develop, and Cook said that Apple asks if it can be done better. We ask ourselves if we can do something better. If we can deliver a better product. If we can buy something in the market and it's great...