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
95 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
95 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
95 months ago
Rest in Peace to that $1 that the writer spent when creating this article.
Score: 4 Votes (Like | Disagree)
Zombie Acorn Avatar
95 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
95 months ago
Surprised anyone has any cash left.
Score: 3 Votes (Like | Disagree)
smallcoffee Avatar
95 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)

Popular Stories

ios 18 4 carplay

iOS 18.4 Includes a Small But Useful Change for CarPlay

Sunday February 23, 2025 2:23 pm PST by
The first beta of iOS 18.4 is now available, and it includes a small but useful change for CarPlay. As we noted in our list of iOS 18.4 features, CarPlay now shows a third row of icons, up from two rows previously. However, this change is only visible in vehicles with a larger center display. For example, a MacRumors Forums member noticed the change in a Toyota Tundra, which can be equipped...
cook trump

Trump Responds to Apple Keeping Diversity Policies

Wednesday February 26, 2025 6:32 am PST by
In an all-caps post on Truth Social today, U.S. President Donald Trump said Apple should fully end its diversity, equity, and inclusion (DEI) policies. Tim Cook meeting with President Trump in 2017 "APPLE SHOULD GET RID OF DEI RULES, NOT JUST MAKE ADJUSTMENTS TO THEM," he wrote. Trump's post comes one day after Apple held its annual shareholders meeting, during which a majority of...
apple watch ultra snow

6 Features Coming to the Apple Watch Ultra 3

Tuesday February 25, 2025 9:00 am PST by
The Apple Watch Ultra 3 is expected to launch later this year, arriving two years after the previous model with a series of improvements. While no noticeable design changes are expected for the third generation since the company tends to stick with the same Apple Watch design through three generations before changing it, there are a series of internal upgrades on the way. By the time the ...
airtag orange

AirTag 2 Rumored to Launch in May or June With These New Features

Monday February 24, 2025 6:11 am PST by
Apple plans to launch a second-generation AirTag in May or June this year, according to a post today from a leaker known as Kosutami. Bloomberg's Mark Gurman previously reported that a new AirTag would be released in mid-2025. May or June would align with that timeframe. Below, we recap three new features rumored for the AirTag 2: With a second-generation Ultra Wideband chip, the...
iPhone Fold Vertical Feature

Apple's 2026 Foldable iPhone Has No Visible Display Crease – Report

Tuesday February 25, 2025 2:58 am PST by
Apple is making significant headway on its long-rumored foldable iPhone, with a new report suggesting the company has achieved a major breakthrough by effectively eliminating the screen crease that plagues current foldable devices. According to Korean publication ETNews, Apple is finalizing its component suppliers for the foldable iPhone, with the selection process expected to be completed...
iphone 17 lineup cad render majin bu

Revealed: Entire iPhone 17 Lineup's Striking New Camera Designs

Monday February 24, 2025 2:49 am PST by
A new CAD render of all the devices in Apple's upcoming iPhone 17 lineup has been shared online by leaker Majin Bu, specifically showing the allegedly different rear camera system designs of the standard iPhone 17, all-new ultra-thin iPhone 17 Air, and the iPhone 17 Pro and Pro Max models. The leaker Majin Bu has had some hits in the past, but some of his information has been wrong,...
trump iphone dictation issue

Apple Fixing 'Trump' Dictation Processing Bug

Tuesday February 25, 2025 1:18 pm PST by
Multiple iPhone owners today noticed a pronunciation processing issue that causes the word "Trump" to momentarily show up when using dictation to send a message with the word "racist." In some cases, when speaking the word racist through the iPhone's built-in dictation feature, the iPhone briefly interprets the spoken word as "Trump" and "Trump" text shows up in the Messages app before being ...
airpods pro purple

Here's When AirPods Pro 3 Are Rumored to Launch

Monday February 24, 2025 9:14 am PST by
According to a post on X today from a leaker known as Kosutami, Apple plans to launch AirPods Pro 3 in May or June this year. The leaker also claimed that an AirTag 2 will launch around the same time. Kosutami is best known as a collector of prototype Apple hardware, but they have occasionally shared accurate information about Apple's future product plans. For example, they accurately...