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
45 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
45 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
45 months ago
Rest in Peace to that $1 that the writer spent when creating this article.
Score: 4 Votes (Like | Disagree)
Zombie Acorn Avatar
45 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
45 months ago
Surprised anyone has any cash left.
Score: 3 Votes (Like | Disagree)
smallcoffee Avatar
44 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

apple event spring loaded

Apple's 'Spring Loaded' Event Officially Announced for Tuesday, April 20

Tuesday April 13, 2021 9:04 am PDT by
Following an overnight leak by Siri, Apple today officially announced that it will be holding a special "Spring Loaded" event on Tuesday, April 20 at 10:00 a.m. Pacific Time at the Steve Jobs Theater on the Apple Park campus in Cupertino, California. As with all of Apple's 2020 events, the April 2021 event will be a digital-only gathering with no members of the media invited to attend in...
iphone12cameras

Kuo: 2022 iPhones to Feature 48-Megapixel Camera, 8K Video, and 6.1 and 6.7" Sizes With No 5.4" Mini Option

Tuesday April 13, 2021 10:45 pm PDT by
The upcoming 2022 iPhone lineup will feature two 6.1-inch devices and two 6.7-inch devices, with no mini-sized 5.4-inch iPhone, well-respected Apple analyst Ming-Chi Kuo said in a note to investors that was seen by MacRumors. Two of the iPhones will be high-end models and two of the iPhones will be lower-end models, similar to the current iPhone 12 lineup. Apple introduced the 5.4-inch...
macos catalina serial number

Apple Preparing Rollout of New Randomized Product Serial Numbers Ahead of 'Spring Loaded' Event

Wednesday April 14, 2021 2:08 am PDT by
Apple is advising its authorized premium resellers and dealers to prepare for new products with 10 and 12 digital serial numbers, days ahead of when it's expected to reveal a slew of new products. MacRumors previously reported that Apple plans to switch to randomized serial numbers for future products starting in early 2021. The company now seems to be preparing for that roll-out, telling...
apple event particularly innovative article

Gurman: Apple's 'Spring Loaded' Event Won't Feature Anything 'Particularly Innovative'

Thursday April 15, 2021 1:30 am PDT by
Bloomberg's highly-respected Mark Gurman says that he expects nothing "particularly innovative" or "extraordinary" to launch at Apple's "Spring Loaded" event next week, Tuesday, April 20. Gurman made the remarks during an interview for Bloomberg Technology, in which he reaffirmed that Apple will launch a new 11-inch and 12.9-inch iPad Pro, with the higher-end model featuring a brand new...
duanrui iphone13 notch samples

More Leaked iPhone 13 Samples Show Smaller Notch, Repositioned Earpiece and Front Camera

Wednesday April 14, 2021 1:06 am PDT by
Leaker known as "DuanRui" has today shared an image of two iPhone 13 "film samples," which show the same rumored smaller notch design coming to the iPhone 13 series that we've seen from other sources. In past tweets, DuanRui has accurately leaked the correct names of the iPhone 12 models and an iPad Air 4 manual revealing its new design, so there's good reason to think this leak is credible, ...
siir apple event april 20

Siri Reveals Apple Event Planned for Tuesday, April 20

Tuesday April 13, 2021 12:04 am PDT by
Siri has apparently prematurely revealed that Apple plans to hold an event on Tuesday, April 20, where the company is expected to reveal brand new iPad Pro models and possibly its long-awaited AirTags trackers. Subscribe to the MacRumors YouTube channel for more videos. Upon being asked "When is the next Apple Event," Siri is currently responding with, "The special event is on Tuesday, April...
apple event hashflag

Twitter Hashflag for April 20 Apple Event Goes Live

Tuesday April 13, 2021 2:21 pm PDT by
Following the overnight Siri leak and subsequent announcement that Apple will hold a media event on Tuesday, April 20, a new Twitter hashflag has appeared to help provide visibility for the event on the platform. For the last several recent events, Apple has utilized hashflags, which are little icons next to hashtags on Twitter, as a way to market its events. The company first started the...
parallels windows 10 arm mac

Parallels 16.5 Can Virtualize ARM Windows Natively on M1 Macs With Up to 30% Faster Performance

Wednesday April 14, 2021 7:00 am PDT by
Parallels today announced the release of Parallels Desktop 16.5 for Mac with full support for M1 Macs, allowing for the Windows 10 ARM Insider Preview and ARM-based Linux distributions to be run in a virtual machine at native speeds on M1 Macs. Parallels says running a Windows 10 ARM Insider Preview virtual machine natively on an M1 Mac results in up to 30 percent better performance compared ...
iphone 13 pro render rear

iPhone 13 Pro Rumored to Be Thicker and Feature Larger Rear Camera System

Wednesday April 14, 2021 7:07 am PDT by
Tech blog 91Mobiles has obtained 3D renders of what it claims will be the iPhone 13 Pro, revealing a largely familiar design with a few notable changes, including a smaller notch and a significantly larger rear camera system. Following renders of the standard iPhone 13 model from MySmartPrice yesterday, which showed a new diagonal rear camera layout, these renders of the 6.1-inch iPhone 13...
third gen Apple pencil leaked video

Video of Alleged Third-Generation Apple Pencil Leaks Ahead of Apple Event

Friday April 16, 2021 6:13 am PDT by
A video purporting to be of the third-generation Apple Pencil has today been shared online, showing a glossy finish that mirrors previous leaks. New ✏️ ready to 🚢 #AppleEvent @TommyBo50387266 pic.twitter.com/s4RCDwDi5M— 漢尼斯·拉斯納 🇨🇳 (@ileakeer) April 16, 2021 The brief video from Twitter account @ileakeer, spotted by 9to5Mac, shows an Apple Pencil with a glossy finish much like the...