Apple Cash (2024)

You can now set up and send recurring payments to other people. Learnmore

Apple Cash (1)

Send it. Spend it. Stash*t.

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AppleCash is built right into iPhone, making it an easy way to send and receive money.1 And because it’s a digital card that lives in Wallet, your AppleCash can be spent in stores, online, and in apps with ApplePay. You can even set up your kids with their own AppleCashcard. Nomatter how you use Apple Cash, you get simplicity and safety you can put moneyon.

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It’s ready. Already in Wallet.

Built into the Wallet App

You can use AppleCash with ApplePay on your iPhone, AppleWatch, and iPad. It’s also easy to send and receive money, transfer funds, edit your account information, and manage your settings — all right inWallet.

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  • Give

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  • Get

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  • In

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  • Or

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Send and Receive Money inMessages orWallet

With AppleCash, you can send and receive money with just a text message. In a few taps, you can 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 — even see a select list of people with whom you’ve exchanged money in the past. And with features like recurring payments and auto reload, you can easily settle up shared bills with a roommate for your portion of things like rent and internet, while keeping your balance topped up and ready.

See how to send money

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Works with ApplePay

AppleCash uses ApplePay to make shopping fast, safe, private, and easy. Since ApplePay is accepted by over 85percent of retailers in the U.S., there’s almost no end to where and how you can shop with your AppleCash card — whether you’re in a store, online, or in an app. It’s your money, mademodern.

Learn more about ApplePay

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Apple Cash Family.
Get the kids in on this.

Apple Cash family marquee animation

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Apple Cash Family

With AppleCash Family, you can set up AppleCash for anyone in your family under 18. Easily and securely send money for allowance, shopping, or just because. Even set up recurring payments to keep allowances on a schedule. The funds go right to their own AppleCash card in Wallet, ready to spend with ApplePay. Or they can transfer the money to their bank account to save for the future. You can view your child’s balance and activity at any time. You can apply certain restrictions to their account. It’s the perfect amount of financial freedom for a child — with built-in protections for your peace ofmind.

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HeySiri, send $35 toSarah

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Send and Receive with Siri

Out for your weekly Tex-Mex feast with Sarah? Ask Siri to send her half of the bill without putting down your taco. Siri makes sure your money and your requests go to the right people — just say theword.

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New

Send.
Reload.
Repeat.

Recurring Payments andAutoReload

AppleCash lets you send recurring payments to other people to cover your portion of things like rent, internet, or groceries. You can also set up auto reload to replenish your balance whenever it runs low. So you’ll always have money to send and spend.

Learn more about recurringpayments Learn more about autoreload

Fraud is no match for your face (orfinger).

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Advanced Security

AppleCash is more secure than a traditional debit card. For starters, it uses FaceID or TouchID to authenticate your transactions — to make sure you’re, well, you. Your account number is never visible, so you don’t have to worry about theft. And there’s no physical card to lose when you’re out and about. It’s peace of mind on multiplelevels.

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Data Privacy

Apple Cash is designed to protect your privacy. Apple never sells your personal data. And we don’t share your personal data with others so they can market to you. Your transaction history and spending habits stay private. In other words, we go out of our way to stay out of yourbusiness.

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Do more with the DailyCash from your AppleCard.

Daily Cash

Every purchase you make with your AppleCard gets you up to 3% back in Daily Cash.2 How you use your Daily Cash is up to you. It can go directly onto your AppleCash card, ready to spend however and whenever you like.3 Or you can choose to automatically deposit it into a high-yield Savings account where it can earn interest over time.4 You can even add funds from your AppleCash card and other bank accounts to build your savings morequickly.5

Learn more about Savings

Fast, easy transfers.
It’s money with serious moves.

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Bank Transfers

It's easy to load money onto your AppleCash card from your debit card, so you’re always ready to spend and send. And you can just as simply move money from your AppleCash card to your bank account. Either way, AppleCash gives you options you can bankon.

Learn more about moneytransfers

Questions? Answers.

  • AppleCash is a digital card that lives in Wallet. It’s an easy way to send and receive money from Messages or from Wallet. And because it’s a digital card, your AppleCash can be spent in stores, online, and in apps with ApplePay. You can view your AppleCash balance on your AppleCash card in the Wallet app or in Settings > Wallet and ApplePay. You can also set up AppleCash for family members under 18 years old, so you can safely send them money they can spend with their own AppleCash card.

  • In Messages, tap the + button, then select AppleCash. Enter an amount on the keypad and tap Send. In Wallet, choose your AppleCash card and tap Send or Request. You can select from a list of suggested recipients or simply type in a contact. Enter an amount on the keypad, then tap Send.

  • Your AppleCash balance lives on your AppleCash card in the Walletapp. When you receive money in Messages, you’ll get a notification from Wallet that your balance haschanged.

  • You can use AppleCash to make purchases just as you would with physical cards and cash. It works anywhere ApplePay is accepted — in stores, online, and in apps. You can also transfer your AppleCash to your bank account. If you have an AppleCard and choose to automatically save your Daily Cash in a Savings account, you can use AppleCash to move money in andout.4

  • Yes. With AppleCashFamily, you can set up AppleCash for members in your FamilySharing group who are under age 18. Once it’s set up, they can send, spend, and receive money using AppleCash. You can receive notifications when they make a transaction, limit the people they can send money to, and even lock theiraccount.

  • AppleCash is a digital card in Wallet that lets you send and receive money in Messages or Wallet. The money you receive appears on your AppleCash card in Wallet. You can spend it however you like in stores, online, and in apps with ApplePay.

    ApplePay enables you to make secure, contactless purchases using AppleCash, AppleCard, and any other credit and debit cards that you add toWallet.

  • You can easily transfer money to your AppleCash once you’ve added a debit card to Wallet. Any money you receive in Messages or Wallet is automatically added to your AppleCash balance. For users under 13, money is added to their AppleCash card only when someone sends them money.

    If you use AppleCard, your DailyCash back is also deposited to your AppleCash card if you set it up. And if you haven’t set up your AppleCash card yet, you can either route your DailyCash to a Savings account or apply it as a credit on your statementbalance.

More for
yourfinances.

Wallet

Carry one thing.
Everything.

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ApplePay

Pay the Appleway.

Learn more

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AppleCard

The simplicity ofApple.

In a creditcard.

Learn more

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Apple Cash (2024)

FAQs

What happens if you don't have enough Apple cash? ›

If you don't have enough money in your Apple Cash balance to send a payment, you can pay the remainder with your debit card.

Why am I not old enough for Apple cash? ›

Only available in the U.S. on eligible devices. To send and receive money with an Apple Cash account, you must be 18 and a U.S. resident. If you're under 18, your family organizer can set up Apple Cash for you as part of their Apple Cash Family account. Security checks may require more time to make funds available.

Why is my Apple Pay cash not working? ›

If you can't send or receive money, you might have to verify your identity to continue using Apple Cash. Learn more about identity verification and what to do if your account is restricted or locked. To get help with a transaction or payment, contact us. Apple Cash services are provided by Green Dot Bank, Member FDIC.

How to get unlimited Apple cash? ›

Apple Card gives you unlimited 3% Daily Cash back on everything you buy at Apple — whether it's a new Mac, an iPhone case, games from the App Store, or even a service like Apple Music or Apple TV+.

Does Apple cash have a daily limit? ›

There's no limit to how much Daily Cash you can get, and you can choose where it goes. Grow your Daily Cash by having it automatically deposited into Savings so that you earn interest. Or have Daily Cash automatically deposited into Apple Cash so that you can spend it, or send it to other people that you know.

Why does it say insufficient funds when I have money? ›

1. If you have recently funded your account, it's possible that the funds did not fully clear into the account when you attempted to make a payment. 2. If you are using overdraft or credit facilities on your account.

How do I get more Apple cash? ›

Add money to Apple Cash
  1. On your iPhone, open the Wallet app, tap your Apple Cash card, tap the More button , then tap Add Money. ...
  2. Enter an amount. The minimum is $10.
  3. Tap Add.
  4. Authenticate with Face ID, Touch ID, Optic ID, or your passcode.

Why did Apple restrict my Apple cash? ›

To prevent fraud, ensure account security, and comply with regulations, your Apple Cash account may be restricted or locked. Your account may also be restricted if you dispute an unauthorized transaction with your bank and a chargeback is filed.

Can Apple cash expire? ›

Apple Pay Cash transfers expire automatically after seven days if they are not accepted.

Is Apple Pay and APPLE cash the same? ›

What's the difference between Apple Cash and Apple Pay? Apple Cash is a digital card in Wallet that lets you send and receive money in Messages or Wallet. The money you receive appears on your Apple Cash card in Wallet. You can spend it however you like in stores, online, and in apps with Apple Pay.

How to unlock APPLE cash? ›

On your iPhone, open the Wallet app and tap Apple Card. Tap the participant's name. Tap Unlock to Resume Spending, then follow the onscreen instructions. You might be asked to enter your password.

Why is my Apple Pay not working declining? ›

The card is not recognized in your country. Insufficient balance or account in arrears. Account suspended for suspected fraud (not necessarily by you) Error in card number.

Does Apple cash hit your credit score? ›

Setting up Apple Cash doesn't affect your credit and won't be impacted by any credit freezes. To protect your account, you might be asked to verify your identity at certain points when using Apple Cash. If you don't want to provide this information, you won't be able to use the full functionality of Apple Cash.

How do I get my Apple cash to work? ›

Go to Settings > Wallet & Apple Pay, then turn on Apple Cash. In Messages, send or accept a payment.

How to get free Apple money? ›

Some ways to earn free Apple gift cards online include participating in surveys, watching videos, shopping, or using cashback websites. Sites like Swagbucks, MyPoints, InboxDollars, and Rakuten can help you get free gift cards by earning points which you can redeem for Apple gift cards later.

Will Apple cash overdraft? ›

No Overdraft. Your Apple Cash Card is not a credit card and does not provide overdraft or any line of credit.

Can my Apple cash go negative? ›

If you have a negative balance on your Apple Cash you need to transfer enough money from your bank account to cover the negative amount. You should also go here - Apple Pay Customers If you reported a scam to your bank they may have illegally initiated an Apple Cash transfer of the amount you were scammed.

Does Apple cash have a minimum? ›

The minimum is $10. Tap Add. Authenticate with Face ID, Touch ID, Optic ID, or your passcode. Face ID: Double-click the side button, then glance at your iPhone or iPad to approve.

How do I replenish Apple cash? ›

Add money to Apple Cash
  1. On your iPhone, open the Wallet app, tap your Apple Cash card, tap the More button , then tap Add Money. ...
  2. Enter an amount. The minimum is $10.
  3. Tap Add.
  4. Authenticate with Face ID, Touch ID, Optic ID, or your passcode.

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