How to Use Apple Pay Cash

The easy way to send and receive money

The Apple Wallet app on an iPhone sticking out of the pocket of some jeans

Liyao Xie/iStock Unreleased/Getty Images

Apple Pay Cash is one of the best and simplest ways for Apple users to send and receive peer-to-peer payments on their devices. Whether you want to send or receive money via iMessage or Siri, on your iPhone or Mac, Apple Pay Cash is the way to do it.

What Is Apple Pay Cash?

Apple Pay Cash is a peer-to-peer payment system similar to Venmo and Zelle and you can use it to send and receive money to friends and family. The money used for it either comes from a debit card or from money already sent to you using Apple Cash. Money is stored in your Apple Pay Cash account and can be used at stores that accept Apple Pay, sent to other people, or deposited into your bank account.

How Is This Different From Apple Pay?

Apple Pay is used to make wireless purchases at stores or other merchants using a credit or debit card. Apple Pay Cash is a way to swap money with friends and family.

How Is It Different From the Apple Card?

The Apple Card is a traditional credit card. All of the things you know about credit cards apply to the Apple Card. It's one way to pay using Apple Pay, but it's not a way to send money to people. In fact, you can't fund Apple Pay Cash transactions using any kind of credit card, including the Apple Card. Only bank accounts and debit cards can be used with Apple Pay Cash.

There are no fees to send or receive money with Apple Pay Cash, except in two cases. First, if you want to transfer money from Apple Pay Cash to your bank account, you'll pay a 1% fee (US$0.25 minimum, $10 maximum). There is also a 3% fee on international transactions.

Apple Pay Cash Requirements

To use Apple Pay Cash, you need:

  • A compatible Apple device, including:
    • iPhones with Face ID or Touch ID (except for the iPhone 5S)
    • iPads with Face ID or Touch ID
    • Apple Watch
    • Macs with Touch ID (or released in 2012 when used with an iPhone or Apple Watch).
  • iOS devices running iOS 11.2 or higher.
  • Watches running watchOS 4.2 or higher.
  • Two-Factor Authentication configured on your Apple ID.
  • To be signed into iCloud on the device you want to use.
  • A debit card added to your Apple Wallet app.

How to Set Up Apple Pay Cash

To set up Apple Pay Cash to send or receive money, follow these steps:

  1. Tap the Wallet app to open it.

  2. Tap the Apple Pay Cash card.

  3. Tap Set Up Now.

    Screenshots of the first 3 steps of setting up Apple Pay Cash
  4. Tap Continue.

  5. Tap Agree to agree to the Apple Pay Cash terms.

    When you do this, you're setting up a new, virtual bank account. But don't worry: this won't affect your credit.

  6. Tap Done.

    Screenshots of the last 3 steps of setting up Apple Pay Cash
  7. Wait a few seconds for the Apple Pay Cash account to be activated. A message appears when it's ready. Tap the X to hide the message.

How to Send Apple Pay Cash Using iMessage

Once you've set up Apple Pay Cash, there are a few ways to send money to people. Maybe the most common way is by using the pre-installed iMessage app on iOS and watchOS devices. Here's what to do:

Screenshots of sending money with Apple Pay Cash
  1. Open the Messages app.

  2. Tap the Apple Pay Cash iMessage app (if it's not visible, tap the apps icon next to the message field).

    If the person you're trying to send money to can't use Apple Pay Cash (because they don't meet the requirements listed earlier in the article, for instance), a message will let you know.

  3. Enter the amount you want to send. Do this by tapping the + or - buttons, or by tapping Show Keypad and entering the amount.

    If you have money in your Apple Cash account, that's used for Apple Pay Cash transfers by default. If you don't have money there, or not enough to cover the payment, the debit card on file in Wallet will be used. If you have more than one card, tap > to choose.

  4. When you've ready, tap Pay.

  5. Add a message if you'd like and send the message like a normal text message.

Need to cancel a payment? As long as the other person hasn't accepted it, go to Wallet -> Apple Pay Cash -> Latest Transactions -> the payment to cancel -> Cancel Payment.

How to Send Apple Pay Cash Using Siri

Siri can also help you send money using Apple Pay Cash. Just activate Siri and say something like "Send $50 to Joe" or "Apple Pay $50 to Joe for dinner" and follow the prompts.

How to Request Money with Apple Pay Cash

If someone owes you money, request it using Apple Pay Cash by following these steps:

Screenshots of requesting money using Apple Pay Cash
  1. Open Messages and go to a conversation with that person or create a new one.

  2. Tap the Apple Pay Cash iMessage app to open it.

  3. Select the amount you want using the + and - buttons, or by tapping Show Keypad.

  4. Tap Request.

  5. Add a message if you want, and then send the text.

Need to dispute a payment that's already gone through? For peer-to-peer payments, you'll need to work with the other person or your bank. If the payment was to a business, contact Apple for help.

How to Accept Money with Apple Pay Cash

After someone sends you money, adding it to your account is simple. The first time you're sent money, you have seven days to accept it. After that, all payments are automatically accepted unless you change your payment acceptance settings.

To change those settings, follow these steps:

Screenshots of Apple Pay Cash transaction settings
  1. Tap the Wallet app.

  2. Tap your Apple Pay Cash card.

  3. Tap the ... icon.

  4. In the Accepting Payments section, tap Manually Accept Payments.

  5. Now, any time someone sends you cash, you'll need to tap Accept in the message they send.

How to View Apple Pay Cash Transaction History

Need to see all of your Apple Pay Cash transactions? Here's how:

  1. Where you start depends on your device:

    • On iPhone, tap Wallet > Apple Cash card > tap the ... icon.
    • On iPad, go to Settings > Wallet & Apple Pay > Apple Cash card.
  2. Your most recent transactions are listed here. For more information about one, tap it.

  3. To see older transactions, scroll down and tap a year. Then tap a transaction for more information.

Apple Pay Cash Transaction Limits

There are some limits on Apple Pay Cash. Some of the most important ones include:

  • Maximum Apple Cash balance: US$20,000
  • Amount that can be added to Apple Cash from debit card: $10-$10,000
  • Maximum amount that can be added to Apple Cash, every seven days: $10,000
  • Per message/transaction limits: $1-$10,000
  • Transfer from Apple Cash to bank account: $1-$10,000
  • Maximum transfer to bank account, every seven days: $20,000