How to Send Money with Apple Cash: A Comprehensive Guide

Apple Cash offers a seamless way to send and receive money with friends, family, and acquaintances right from your Apple devices. Whether you’re splitting a bill, sending a gift, or paying someone back, Apple Cash provides a convenient and secure solution. This guide will walk you through the various methods to send money using Apple Cash, ensuring you can easily navigate each option and make the most of this digital wallet feature.

Sending Money via Messages App with Apple Cash

The Messages app provides a quick and intuitive way to send money using Apple Cash directly within your conversations. Here’s how to do it on both your iPhone and Apple Watch:

On Your iPhone

1. Open Messages: Launch the Messages app on your iPhone and either start a new conversation or select an existing one.

2. Access Apple Cash: Tap the plus (+) icon located to the left of the message field, then select the Apple Cash icon.

3. Enter Amount: Input the exact amount of money you wish to send. Tap “Send” after entering the amount.

4. Add a Comment (Optional): You can add a brief comment that will be visible in the transaction history for both you and the recipient. This can be helpful for record-keeping.

5. Review Payment: Tap the “Send” button again to review your payment details before finalizing.

   Image of iPhone sending money in the Messages app

   Alt text: iPhone screen showing steps to send money via Apple Cash in Messages app, including tapping the Apple Cash icon and entering the amount.

6. Choose Payment Method (If Needed): By default, Apple Cash uses your Apple Cash balance. If you prefer to use a debit card, tap “Change Payment Method”.

   • Toggle the Apple Cash slider to the “off” position to disable using your Apple Cash balance.
   • Select your desired debit card from the available options.

7. Insufficient Apple Cash Balance: If your Apple Cash balance is less than the amount you want to send, you can use a debit card to cover the remaining balance. The screen will display both your Apple Cash card and debit card, showing the respective amounts to be deducted from each.

8. Confirm Payment: Double-click the side button on your iPhone to initiate the payment process. Authenticate using Face ID, Touch ID, or your passcode to complete the transaction securely.

If you haven’t yet added a debit card to your Wallet app, you’ll need to do so before you can send money directly from a debit card.

On Your Apple Watch

1. Open Messages: Open the Messages app on your Apple Watch and tap the conversation where you want to send money.

2. Access Apple Cash: Tap the plus (+) icon and then tap the Apple Cash icon.

3. Adjust Amount: The default amount may appear. To change it, tap the minus (-) or plus (+) signs, or use the Digital Crown for more precise adjustments.

   Image of Apple Watch sending money in the Messages app.

   Alt text: Apple Watch interface displaying steps to send money via Apple Cash in Messages, showing amount adjustment using Digital Crown and send button.

4. Review and Send: Tap “Send” to review the payment details. You have the option to cancel the payment at this stage if needed.

5. Confirm Payment: Double-click the side button on your Apple Watch to send the payment.

Sending Money via Wallet App with Apple Cash

Alternatively, you can send money directly through the Wallet app on your iPhone. This method is equally straightforward:

1. Open Wallet App: Locate and open the Wallet app on your iPhone’s home screen.

2. Select Apple Cash Card: Tap on your Apple Cash card within the Wallet app to access its details and options.

3. Choose Send or Request: Tap either “Send” or “Request.” In this case, tap “Send” to initiate sending money. Then, select a contact from your list or add a new contact to whom you want to send money.

   Image of iPhone sending money in the Wallet app

   Alt text: iPhone Wallet app interface showing Apple Cash card with “Send” and “Request” options highlighted, ready for selecting a contact.

4. Enter Amount: Tap “Next” after selecting the recipient, and then enter the amount you wish to send.

5. Initiate Payment: Tap “Send,” followed by the “Send” button to proceed.

6. Confirm Payment: Double-click the side button to finalize the payment. Use Face ID, Touch ID, or your passcode to authenticate and complete the money transfer.

Utilizing Tap to Cash for In-Person Transfers

For those moments when you are physically with the person you need to pay, Tap to Cash offers an incredibly convenient and contactless way to send money.

Image of the top of two iPhones next to each other

Alt text: Two iPhones held close together showing the Tap to Cash feature in action for sending money between nearby devices.

Learn how to send and receive Apple Cash with someone nearby without needing to exchange phone numbers or email addresses. Simply hold your iPhone near the recipient’s iPhone to initiate and complete the transfer.

Setting Up Recurring Payments in Wallet

If you need to send money regularly, such as for allowances or rent, Apple Cash allows you to set up recurring payments. Here’s how to automate these transfers:

1. Open Wallet and Apple Cash Card: Go to the Wallet app on your iPhone and tap on your Apple Cash card.

2. Access Recurring Payments: Tap the “More” button (represented by three dots), then select “Recurring Payments,” and finally, tap “New Recurring Payment.”

   Image of iPhone showing the More menu with Recurring Payments selected

   Alt text: iPhone Wallet app displaying the “More” menu for Apple Cash card, with “Recurring Payments” option selected for setting up automated transfers.

3. Configure Payment Details: Add the recipient, and then follow the on-screen prompts to specify:

   • The dollar amount for each payment.
   • The start date for the payments.
   • The frequency of payments (weekly, biweekly, or monthly).
   • Optionally, add a memo to identify the purpose of these recurring payments.

4. Review and Confirm: Tap “Send,” then tap the “Send” button to review all the payment details you’ve set up.

5. Finalize Setup: Double-click the side button to confirm and set up your recurring payment schedule. Authenticate with Face ID, Touch ID, or passcode.

Editing, Cancelling, or Pausing Recurring Payments

Managing your recurring payments is just as easy.

1. Access Recurring Payments Settings: Open the Wallet app, tap your Apple Cash card, and then tap the “More” button .
2. Manage Payments: Tap “Recurring Payments,” then select the specific recurring payment you wish to manage. From here, you can choose to:
   • “Cancel” the payment series entirely.
   • “Pause” payments temporarily.
   • “Edit” to modify any payment details such as amount, frequency, or recipient.

Conclusion

Sending money with Apple Cash is designed to be a straightforward and secure process, whether you are using the Messages app, the Wallet app, or Tap to Cash for in-person transactions. With options for one-time and recurring payments, Apple Cash offers versatile solutions for various payment needs. By following these steps, you can confidently send money to anyone with Apple Cash, making transactions simpler and more integrated into your daily digital interactions.

Disclaimer: * Apple Cash services are provided by Green Dot Bank, Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Learn more about the Terms and Conditions. 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, but you may not be able to access features that require a supported payment card. Security checks may require more time to make funds available. Apple Cash Family accounts can only send or receive up to $2000 within a rolling seven-day period. Tap to Cash transactions can only be used to send or receive up to $2000 within a rolling seven-day period. Other limits apply, see Terms and Conditions for details. To access and use all Apple Cash features, you must have an eligible device with Wallet that has the latest version of iOS. Apple Pay is a service provided by Apple Payments Services LLC, a subsidiary of Apple Inc. Neither Apple Inc. nor Apple Payments Services LLC is a bank. Any card used in Apple Pay is offered by the card issuer.