How Do You Get Money with Apple Cash? A Comprehensive Guide

Apple Cash has become a popular and seamless way to handle digital transactions, allowing you to send and receive money directly through your Apple devices. If you’re wondering, “How Do You Get Money with Apple Cash?”, you’re in the right place. This guide will walk you through everything you need to know about receiving and accessing funds via Apple Cash, ensuring you can confidently manage your finances within the Apple ecosystem.

Before we dive into the specifics of receiving money, let’s understand the basics. Apple Cash is essentially a digital card that lives in your Wallet app, enabling person-to-person payments. For your account to be fully functional and FDIC insured, you might need to verify your identity. Rest assured, once verified, your Apple Cash balance is FDIC-insured, adding a layer of security and trust to your digital wallet.

Receiving Money with Apple Cash: Step-by-Step Guides

Getting money with Apple Cash is straightforward and can be done in a few different ways, primarily through the Wallet app and the Messages app. Let’s explore each method in detail:

Accepting Payments in the Wallet App

The Wallet app serves as your central hub for managing your Apple Cash. When someone sends you money, you can accept it directly within the Wallet app. Here’s how:

1. Open the Wallet app: On your iPhone, locate and open the Wallet app.

2. Tap your Apple Cash card: Find your Apple Cash card within the Wallet and tap on it.

3. Tap ‘Send or Request’: You’ll see options for “Send or Request.” Tap this option. While it says “Send or Request”, this is also the gateway to seeing recent transactions and accepting payments.

   Screenshot of iPhone showing the Send or Request money options in the Wallet app

4. View Transactions: Here you should see any pending payments sent to you. Tap on the payment to view details.

5. Accept Payment: Follow the on-screen instructions to accept the payment. You may be prompted to verify your identity if you haven’t already done so.

You also have the option to choose how you want to accept payments – automatically or manually:

1. Go to Card Details: In the Wallet app, tap your Apple Cash card, then tap the More button (usually three dots or a similar icon). Then tap Card Details.

2. Choose Acceptance Method: Tap either Manually Accept Payments or Automatically Accept Payments.

   • Automatically Accept Payments: With this setting enabled, payments sent to you will be automatically accepted and added to your Apple Cash balance. This is the most seamless option for receiving money.
   • Manually Accept Payments: If you choose manual acceptance, you’ll need to open the Messages conversation where you received the payment and tap Accept within 7 days to receive the money. This gives you more control over which payments you accept.

Accepting Payments in Messages

Often, you’ll be notified of an Apple Cash payment directly within the Messages app, making it incredibly convenient to accept money while you’re chatting. Here’s how to accept a payment in Messages:

1. Open the Messages app: Locate and open the Messages app on your iPhone or Apple Watch.
2. Go to the conversation: Open the conversation where you were sent the Apple Cash payment.
3. Tap ‘Accept’: You’ll see a message indicating that you’ve received money with an Accept button. Tap Accept.
4. Follow on-screen instructions: You might be asked to verify your identity if it’s your first time accepting a payment or if you haven’t completed verification yet. Follow the steps to complete the process.

Using Tap to Cash to Receive Money

For in-person transactions, Apple Cash offers a feature called Tap to Cash, allowing you to receive money from someone nearby without needing to exchange phone numbers or email addresses.

1. Have the sender use Tap to Cash: The sender needs to initiate a Tap to Cash transfer from their iPhone.
2. Bring your iPhones close together: Follow the prompts on both iPhones to bring the devices close, typically top-to-top.
3. Accept the payment: Once the iPhones connect, you may see a prompt to accept the payment on your device. Confirm and accept the money.

Image showing two iPhones using Tap to Cash to send and receive money

Tap to Cash provides a fast and private way to get money from someone in person, making it perfect for splitting bills or repaying friends.

Accessing and Using Your Apple Cash Balance

Once you’ve accepted money via Apple Cash, the funds are immediately available on your Apple Cash card, which you can view in your Wallet app. Think of your Apple Cash card as a debit card specifically for your Apple Cash balance.

You can use your Apple Cash balance to:

• Spend with Apple Pay: Use Apple Pay to make purchases at stores, online, and in apps wherever Apple Pay is accepted. Simply use Apple Pay as you normally would; your Apple Cash balance will be the default funding source.
• Send money to others: You can use your Apple Cash balance to send money to other Apple Cash users through Messages or the Wallet app.
• Transfer to your bank account or debit card: You can transfer your Apple Cash balance to your bank account or an eligible debit card. Transfers to debit cards are typically faster, often instant, while bank transfers may take 1-3 business days. To do this:
  1. Tap your Apple Cash card in the Wallet app.
  2. Tap Transfer to Bank.
  3. Choose the amount and follow the prompts to select your bank account or linked debit card.

Sending Money with Apple Cash: A Quick Guide

While the focus is “how do you get money”, understanding how to send money with Apple Cash provides a complete picture of the service. Here’s a brief overview of sending money:

Sending Money via Messages

1. Open Messages: Start a new message or open an existing conversation.

2. Tap the ‘+’ icon: Tap the plus icon next to the message bar, then tap Apple Cash.

3. Enter the amount and send: Enter the amount you want to send and tap Send. You can add a comment if you wish.

4. Confirm with Face ID, Touch ID, or Passcode: Double-click the side button and authenticate to send the payment.

   iPhone displaying steps to send money via Apple Cash in Messages app

Sending Money via Wallet App

1. Open Wallet app: Tap on your Apple Cash card.
2. Tap ‘Send or Request’: Tap Send or Request, then select the recipient.
3. Enter amount and send: Enter the amount, tap Send, and confirm the payment.

Setting up Recurring Payments

For regular payments like allowances or rent, you can set up recurring Apple Cash payments:

1. Open Wallet app and Apple Cash card: Go to your Apple Cash card in the Wallet app.

2. Tap ‘More’ and ‘Recurring Payments’: Tap the More button, then Recurring Payments, and New Recurring Payment.

3. Set up payment details: Enter recipient, amount, frequency, start date, and memo.

4. Confirm payment: Review and confirm the recurring payment setup.

   iPhone showing the option to set up Recurring Payments for Apple Cash in Wallet app

Managing Your Apple Cash Payments Effectively

Apple Cash offers several features to manage your payments effectively:

Requesting Payments

Need to request money from someone? You can easily send a payment request via Messages:

1. Open Messages and Apple Cash: In Messages, tap the ‘+’ icon, then Apple Cash.

2. Enter amount and request: Enter the amount you’re requesting and tap Request.

   iPhone showing how to request money via Apple Cash in Messages app

Responding to Payment Requests

When you receive a payment request, respond directly in Messages by tapping Pay and confirming the amount.

Canceling a Sent Payment

You can cancel a pending payment if the recipient hasn’t accepted it yet. Check your Apple Cash transaction history to see the status and cancel if needed.

Rejecting a Payment

If you wish to reject a payment sent to you, go to your Apple Cash card in the Wallet app, find the payment in Latest Transactions, tap on it, and choose Reject Payment.

Editing, Canceling, or Pausing Recurring Payments

Manage your recurring payments in the Wallet app under Apple Cash Card > More Button > Recurring Payments. Here you can edit, cancel, or pause any scheduled payments.

Conclusion

Getting money with Apple Cash is designed to be a seamless and secure experience. Whether you are accepting payments in the Wallet app, through Messages, or using Tap to Cash, Apple Cash provides multiple convenient ways to receive funds. Once you get money, accessing and using your Apple Cash balance is just as easy, offering flexibility to spend, send, or transfer your funds as needed. Embrace Apple Cash to simplify your digital transactions and confidently manage your money within the Apple ecosystem.

For more detailed information, refer to Apple’s Terms and Conditions and support documents. Apple Cash services are provided by Green Dot Bank, Member FDIC.