Effortlessly Send Money with Apple Cash: Your Ultimate Guide

Discover the seamless way to send and receive money with people you trust using Apple Cash. This guide will walk you through everything you need to know about using Apple Cash to easily send money, covering various methods and devices.

What You Need to Send Money with Apple Cash

Before you start sending money, ensure your Apple Cash account is fully functional and FDIC insured. You might be prompted to verify your identity to unlock all features and ensure your funds are protected by FDIC insurance after verification.

How to Send Money via Messages App Using Apple Cash

Sending money through the Messages app is a quick and convenient method. Apple Cash is set as your default payment method, but you can also choose to send money directly from your debit card.

Send Money on Your iPhone:

Open the Messages app and select an existing conversation or start a new one.
Tap the plus icon (+) located next to the message field, then select Apple Cash. Enter the amount you wish to send and tap “Send”.
Optionally, add a comment that will appear in the transaction history for both you and the recipient. This helps in easily tracking your “Sends Money” transactions.

iPhone showing how to send money in the Messages app using Apple Cash

Alt text: Guide on iPhone showing steps to send money using Apple Cash within the Messages app, highlighting the amount entry and send button.
Tap the “Send” button to review your payment details.
To send money using a debit card instead of your Apple Cash balance, tap “Change Payment Method”.
- Toggle the Apple Cash slider to the “off” position.
- Select your preferred debit card from the available options.
If your Apple Cash balance doesn’t cover the full amount, the remaining balance will be automatically drawn from your linked debit card.
- You’ll see a breakdown showing the amounts deducted from your Apple Cash card and debit card.
Double-click the side button to authorize the payment, and confirm using Face ID, Touch ID, or your passcode. This secure step ensures your “sends money” action is protected.

If you haven’t yet added a debit card to your Wallet, you’ll need to add one to send money.

Send Money on Your Apple Watch:

Open the Messages app on your Apple Watch and tap on a conversation.
Tap the plus icon , then choose Apple Cash.
Adjust the amount by tapping the minus (-) or plus (+) signs, or by using the Digital Crown for precise adjustments.

Apple Watch interface showing how to send money via Messages app using Apple Cash

Alt text: Apple Watch displaying steps to send money with Apple Cash in Messages, emphasizing amount adjustment and the send button on the smartwatch.
Tap “Send”, then review the payment details before confirming. You also have the option to cancel at this stage.
Double-click the side button to finalize sending your payment securely from your Apple Watch.

How to Send Money via Wallet App Using Apple Cash

Alternatively, you can send money directly from the Wallet app on your iPhone. This method is equally straightforward and efficient for when you need to “send money”.

Open the Wallet app on your iPhone and tap on your Apple Cash card.
Tap either “Send” or “Request”, then choose a contact from your list or add a new recipient to whom you want to send money.

iPhone Wallet app interface for sending money with Apple Cash

Alt text: iPhone Wallet app showing the Apple Cash card with options to send or request money, highlighting the user interface for initiating a money transfer.
Tap “Next”, then enter the specific amount you intend to send.
Tap “Send”, followed by the “Send” button to proceed with the transaction.
Double-click the side button to authorize the payment.
Confirm the transaction using Face ID, Touch ID, or your passcode, ensuring secure “sends money” operations.

Utilizing Tap to Cash for Instant Transfers

Two iPhones demonstrating Tap to Cash feature for sending money

Alt text: Tap to Cash visual guide showing two iPhones interacting to send money instantly, illustrating the contactless money transfer process.

Discover how to use Tap to Cash to send and receive Apple Cash instantly with someone nearby. This feature allows you to “send money” without needing to exchange phone numbers or email addresses, making in-person transactions incredibly easy.

Setting Up Recurring Payments in Wallet for Regular Transfers

For routine payments, Apple Cash allows you to set up recurring payments on a weekly, biweekly, or monthly basis. This is ideal for regularly sending money like allowances or rent.

Open the Wallet app on your iPhone, then tap your Apple Cash card.
Tap the “More” button, select “Recurring Payments”, and then tap “New Recurring Payment” to set up scheduled “sends money” transactions.

iPhone displaying the Recurring Payments option in the Wallet app for Apple Cash

Alt text: iPhone screen showing the Apple Cash card details with the “Recurring Payments” option highlighted under the “More” menu, guiding users to set up automated money transfers.
Add the recipient, then follow the on-screen instructions to define the payment amount, start date, and frequency. You can also add a memo to clarify the purpose of these recurring “sends money” transactions.
Tap “Send”, then tap the “Send” button to review the recurring payment setup.
Double-click the side button to confirm the setup.
Verify with Face ID, Touch ID, or your passcode to finalize the recurring payment schedule.

Managing Recurring Payments: Edit, Cancel, or Pause

To manage existing recurring payments, open the Wallet app, tap your Apple Cash card, and then tap the “More” button .
Tap “Recurring Payments”, select the specific payment, and choose to “Cancel”, “Pause”, or “Edit” to modify payment details as needed.

Accepting Payments in Wallet: Receiving Money with Apple Cash

When someone “sends money” to you via Apple Cash, it’s securely deposited into your Apple Cash balance. You can immediately use these funds to spend with Apple Pay, send money to others, or transfer it to your bank account or debit card.

Identity Verification When Accepting Payments

Upon accepting a payment, you might be required to verify your identity for security purposes.

Choosing Payment Acceptance Mode: Automatic or Manual

Open the Wallet app, then tap your Apple Cash card.
Tap the “More” button, then select “Card Details”.
Choose between “Manually Accept Payments” or “Automatically Accept Payments” to manage how you receive money.

With “Manually Accept Payments” enabled, you must manually accept each payment within the Messages app conversation by tapping “Accept” within 7 days.

Changing the payment acceptance method will apply across all your devices linked to your Apple ID.

Setting Up Apple Cash for First-Time Users

If someone “sends money” to you and you haven’t set up Apple Cash, you’ll see an “Accept” prompt in the message. Tapping “Accept” will guide you through the Apple Cash setup process. You have 7 days to accept the payment and complete the setup.

Rejecting a Payment in Wallet if Necessary

To reject a payment, open the Wallet app on your iPhone, tap your Apple Cash card, and find the payment in “Latest Transactions”.
Tap on the payment, tap it again to view details, and then tap “Reject Payment”.

If the “Reject Payment” option is not visible, it indicates that the payment has already been accepted.

Requesting Payments Using Messages App

You can also initiate payment requests via the Messages app when you need someone to “send money” to you.

Request Money on Your iPhone:

Open a conversation in Messages or start a new one.
Tap the plus icon , select Apple Cash, enter the amount you are requesting, and tap “Request”.

iPhone interface showing how to request money in Messages app using Apple Cash

Alt text: iPhone screen demonstrating the process to request money using Apple Cash in Messages, focusing on amount entry and the request initiation.
Tap the “Send” button to send your payment request.

Request Money on Your Apple Watch:

Open Messages on your Apple Watch and select a conversation.
Tap the plus icon , then tap Apple Cash.
Enter the amount, then swipe left on the “Send” button to reveal the “Request” button.
Tap “Request” to send your request.

Responding to Payment Requests Received via Messages

Responding on Your iPhone:

Open the payment request in Messages and tap “Pay” on the message.
Review the amount to be sent. Tap “Send” to proceed. You can also adjust the amount before tapping “Send”.
Double-click the side button to authorize the payment.
Confirm with Face ID, Touch ID, or your passcode to complete sending the money.

To decline a request, simply ignore the message.

Responding on Your Apple Watch:

Open the payment request in Messages, then tap “Pay”.
Review the amount. Tap “Send” to continue.
Use the Digital Crown if you need to change the amount. Then, tap “Send”.
Double-click the side button to confirm and send your payment from your Apple Watch.

Cancelling a Sent Payment

If you need to cancel a payment you’ve sent, you can do so if the transaction is still pending. Check your Apple Cash transaction history to see the status. Pending payments can be cancelled as long as the recipient hasn’t accepted it yet.

Remember, Apple Cash person-to-person payments are private transactions, so only “send money” to people you know and trust.

Learn More About Apple Cash

* Apple Cash services are provided by Green Dot Bank, Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider for Apple Cash accounts. Apple Inc. and Apple Payments Services LLC are not banks. For more details, refer to the Terms and Conditions. Available only in the U.S. on compatible devices. To send and receive money with Apple Cash, you must be 18 and a U.S. resident. For users under 18, a family organizer can set up Apple Cash as part of Apple Cash Family, with some feature limitations. Security checks may extend the time to make funds available. Apple Cash Family accounts and Tap to Cash transactions are limited to sending or receiving up to $2000 within a 7-day period. See Terms and Conditions for complete details. Full access to Apple Cash features requires an eligible device with Wallet and the latest iOS version.

Apple Pay is a service of Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Cards used in Apple Pay are issued by the respective card issuers.