In today’s fast-paced world, the need to quickly and easily send money to friends, family, or even for small business transactions is more important than ever. If you’re an Apple user, you have a powerful tool right at your fingertips: Apple Cash. This guide, brought to you by money-central.com, your trusted source for financial expertise, will walk you through everything you need to know about how you can send money to someone using Apple Cash.
Apple Cash offers a seamless and secure way to send and receive money directly from your Apple devices. Whether you’re splitting a bill, sending a gift, or paying someone back, understanding how to use Apple Cash can simplify your financial life. Let’s dive into the various methods you can use to send money with Apple Cash.
Sending Money via Messages App with Apple Cash
One of the most convenient ways to send money with Apple Cash is directly through the Messages app. This method is perfect for sending money to people you communicate with regularly. Here’s how you can do it on your iPhone:
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Open Messages: Launch the Messages app on your iPhone and either start a new conversation or select an existing one with the person you want to send money to.
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Access Apple Cash: Tap on the plus (+) icon located to the left of the text input field. Then, tap on the “Apple Cash” icon.
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Enter Amount: Input the amount of money you wish to send. Tap “Send” after entering the amount.
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Add a Comment (Optional): You have the option to add a comment to your transaction. This comment will appear in the transaction history for both you and the recipient, helping you keep track of your payments.
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Review and Send: Tap the “Send” button to review your payment details.
Image of iPhone sending money in the Messages app -
Choose Payment Method (If Needed): By default, Apple Cash will use your Apple Cash balance. If you prefer to use a debit card instead, tap “Change Payment Method.”
- Toggle the “Apple Cash” slider off.
- Select your preferred debit card from the options.
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Insufficient Apple Cash Balance?: If your Apple Cash balance isn’t sufficient to cover the full amount, you can use your debit card to pay the remaining balance. The screen will display the amounts to be deducted from both your Apple Cash card and debit card.
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Confirm Payment: Double-click the side button on your iPhone to initiate the payment. Authenticate using Face ID, Touch ID, or your passcode to finalize the transaction.
If you haven’t yet added a debit card to your Wallet app, you’ll need to do so before sending money this way.
You can also send money via Apple Watch through the Messages app. The steps are similar:
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Open Messages on Apple Watch: Open the Messages app on your Apple Watch and select an existing conversation.
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Access Apple Cash: Tap the plus (+) icon, then tap “Apple Cash.”
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Adjust Amount: Use the “+” or “-” signs, or the Digital Crown, to set the amount you want to send.
Image of Apple Watch sending money in the Messages app. -
Review and Send: Tap “Send,” review the payment details, and tap the side button twice to send.
Sending Money via Wallet App with Apple Cash
Another method to send money is directly through the Wallet app on your iPhone. This is useful when you want to manage your Apple Cash transactions directly within your digital wallet. Here’s how:
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Open Wallet App: Launch the Wallet app on your iPhone and tap on your Apple Cash card.
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Send or Request: Tap either “Send” or “Request.” In this case, tap “Send.” Then, choose a contact from your list or add a new contact to send money to.
Image of iPhone sending money in the Wallet app -
Enter Amount: Tap “Next,” then enter the amount you wish to send.
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Send and Confirm: Tap “Send,” then tap the “Send” button to review. Double-click the side button to pay and confirm using Face ID, Touch ID, or your passcode.
Utilizing Tap to Cash for In-Person Transfers
For those moments when you’re physically with the person you need to pay, Apple Cash offers “Tap to Cash.” This feature allows you to send money to someone nearby without needing to exchange phone numbers or email addresses.
Image of the top of two iPhones next to each other
Simply hold your iPhone near the recipient’s iPhone, and follow the prompts to securely transfer funds. For detailed instructions, you can learn more about how to send and receive Apple Cash with someone nearby.
Setting Up Recurring Payments with Apple Cash
If you need to send money regularly, like for allowances or monthly dues, Apple Cash lets you set up recurring payments. Here’s how to establish these payments in the Wallet app:
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Open Wallet and Apple Cash Card: Go to the Wallet app and tap on your Apple Cash card.
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Access Recurring Payments: Tap the “More” button (represented by three dots), then select “Recurring Payments,” and finally, “New Recurring Payment.”
Image of iPhone showing the More menu with Recurring Payments selected -
Configure Payment Details: Add the recipient, and follow the on-screen prompts to specify the payment amount, start date, and frequency (weekly, biweekly, or monthly). You can also add a memo for identification.
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Review and Send: Tap “Send,” then “Send button” to review the setup. Double-click the side button and confirm with your authentication method to finalize.
You can easily edit, cancel, or pause these recurring payments through the same “Recurring Payments” menu in your Apple Cash card settings.
Accepting Payments with Apple Cash
When someone sends you money via Apple Cash, it’s securely deposited into your Apple Cash balance. You can then use this money to make purchases with Apple Pay, send it to someone else, or transfer it to your bank account or debit card.
Upon receiving a payment, you might be asked to verify your identity to ensure the security and functionality of your Apple Cash account.
You can also choose to accept payments automatically or manually. To manage this setting:
- Open Wallet and Apple Cash Card: Go to the Wallet app and tap your Apple Cash card.
- Access Card Details: Tap the “More” button, then “Card Details.”
- Choose Acceptance Mode: Select either “Manually Accept Payments” or “Automatically Accept Payments.”
With manual acceptance, you’ll need to open the Messages conversation and tap “Accept” to receive the money. You have 7 days to accept a payment sent to you.
Rejecting a Payment with Apple Cash
If you need to reject a payment sent to you, you can do so easily:
- Open Wallet and Apple Cash Card: Open the Wallet app, tap your Apple Cash card, and find the payment in “Latest Transactions.”
- Reject Payment: Tap on the payment, then tap the payment again, and select “Reject Payment.”
If you don’t see the option to reject, it’s likely you’ve already accepted the payment.
Requesting Payments via Messages
Need to request money from someone? Apple Cash also allows you to send payment requests:
On your iPhone:
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Open Messages: Open the Messages app and select or start a conversation.
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Access Apple Cash: Tap the plus (+) icon, then “Apple Cash.” Enter the amount you’re requesting and tap “Request.”
Image of iPhone requesting money in the Messages app -
Send Request: Tap the “Send” button to send your payment request.
On your Apple Watch:
- Open Messages on Apple Watch: Open Messages and choose a conversation.
- Access Apple Cash: Tap the plus (+) icon, then “Apple Cash.”
- Enter Amount and Request: Enter the amount, then swipe left on the “Send” button to reveal the “Request” button, and tap “Request.”
Responding to Payment Requests
When you receive a payment request, responding is straightforward:
On your iPhone:
- Open Request in Messages: Open the payment request in Messages and tap “Pay” on the message.
- Review and Send: Review the amount, tap “Send” to continue, or change the amount if needed, then tap “Send.”
- Confirm Payment: Double-click the side button and authenticate to send the payment.
To decline a request, simply ignore the message.
On your Apple Watch:
- Open Request in Messages: Open the request and tap “Pay.”
- Review and Send: Review the amount, tap “Send” to continue, adjusting the amount with the Digital Crown if necessary.
- Confirm Payment: Double-click the side button to confirm and send.
Cancelling a Sent Payment
If you’ve sent a payment and need to cancel it, you can do so if the transaction is still pending (i.e., the recipient hasn’t accepted it yet). Check your Apple Cash transaction history to see the status. If it’s pending, you can cancel it.
Important Security Reminder: Apple Cash person-to-person payments are private transactions, so always send and receive money only with people you know and trust.
Conclusion: Apple Cash – A Versatile Tool for Sending Money
Apple Cash provides a multitude of ways for you to send money to someone, whether it’s through the Messages app, the Wallet app, via Tap to Cash, or setting up recurring payments. Its integration within the Apple ecosystem makes it a user-friendly and efficient solution for various payment needs. By understanding these methods, you can leverage Apple Cash to simplify your financial transactions and manage your money effectively.
For more detailed information and terms and conditions, you can refer to the Apple Cash Terms and Conditions. Apple Cash is a service provided by Green Dot Bank, Member FDIC. Remember, it’s designed for users 18 and older in the U.S. with eligible devices. Stay financially savvy with money-central.com!
