Sending Money Easily with Apple Cash: A Comprehensive Guide

In today’s fast-paced digital world, Sending Money to friends and family should be quick, secure, and hassle-free. Apple Cash offers a seamless solution for iPhone and Apple Watch users to send and receive money directly from their devices. This guide will walk you through everything you need to know about sending money with Apple Cash, making digital transactions simpler than ever.

Setting Up Apple Cash for Sending Money

Before you can start sending money, it’s essential to ensure your Apple Cash account is properly set up. For full functionality and FDIC insurance eligibility, you may be asked to verify your identity. This verification process is crucial for security and unlocks the complete potential of your Apple Cash account. Once verified, your Apple Cash balance becomes FDIC-insured, providing peace of mind for your digital funds.

How to Send Money via Messages 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 quick transfers while chatting with friends or family. Here’s how to do it on your iPhone:

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

2. Access Apple Cash: Tap the plus icon located next to the message field, and then select the Apple Cash icon.

3. Enter Amount: Input the amount of money you wish to send.

4. Add a Comment (Optional): You can add a comment to your payment, which will be visible in the transaction history for both you and the recipient, helping to keep track of your payments.

   Image of iPhone sending money in the Messages app

   Alt text: Sending money with Apple Cash in Messages app on iPhone, showing amount entry and send button.

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

6. Choose Payment Method (Optional): By default, Apple Cash uses your Apple Cash balance. If you prefer to use a debit card, tap “Change Payment Method” and toggle off the Apple Cash slider to select your debit card.

7. Confirm with Security: Double-click the side button and confirm the payment using Face ID, Touch ID, or your passcode for secure transaction completion.

If your Apple Cash balance doesn’t cover the full amount, you can seamlessly use a linked debit card to cover the remaining balance. Both your Apple Cash card and debit card amounts will be clearly displayed before you confirm the payment.

Sending money from your Apple Watch is equally straightforward:

1. Open Messages on Apple Watch: Access the Messages app and choose an existing conversation.

2. Access Apple Cash: Tap the plus icon and then tap the Apple Cash option.

3. Adjust Amount: Use the “+” or “-” icons, or the Digital Crown, to set the desired amount.

   Image of Apple Watch sending money in the Messages app.

   Alt text: Sending money with Apple Cash on Apple Watch via Messages app, showing amount adjustment with Digital Crown.

4. Send and Confirm: Tap “Send,” review the payment, and double-click the side button to send, confirming with your passcode if prompted.

Sending Money Through the Wallet App with Apple Cash

Alternatively, you can send money directly from the Wallet app. This method is useful when you’re managing your finances or want to initiate a payment outside of a messaging context. Here’s how:

1. Open Wallet App: On your iPhone, open the Wallet app and tap on your Apple Cash card.

2. Initiate Send or Request: Tap either “Send” or “Request,” then choose a contact from your list or add a new recipient.

   Image of iPhone sending money in the Wallet app

   Alt text: Sending or requesting money with Apple Cash from Wallet app on iPhone, highlighting Send and Request options.

3. Enter Amount and Send: Tap “Next,” enter the amount you want to send, and tap “Send.”

4. Confirm Payment: Tap the “Send” button and double-click the side button to authorize the payment with Face ID, Touch ID, or your passcode.

Utilizing Tap to Cash for In-Person Money Transfers

For sending money to someone nearby, Apple Cash offers the “Tap to Cash” feature. This allows for a contactless transfer without needing to exchange phone numbers or email addresses, ideal for in-person transactions.

Image of the top of two iPhones next to each other

Alt text: Tap to Cash feature for sending money between two iPhones held close to each other, contactless payment.

To learn more about using Tap to Cash and how to send and receive money with someone nearby, you can refer to Apple’s support document.

Setting Up Recurring Apple Cash Payments

For regular payments like allowances or rent, Apple Cash allows you to set up recurring payments. This feature ensures timely transfers without manual intervention. Here’s how to set it up:

1. Access Recurring Payments: In the Wallet app, tap your Apple Cash card, then tap the “More” button, and select “Recurring Payments” followed by “New Recurring Payment.”

   Image of iPhone showing the More menu with Recurring Payments selected

   Alt text: Accessing Recurring Payments option in Apple Cash Wallet menu on iPhone to set up scheduled transfers.

2. Configure Payment Schedule: Add the recipient, choose the payment amount, select the start date, and frequency (weekly, biweekly, or monthly). You can also add a memo for identification.

3. Review and Confirm: Tap “Send,” review the payment details, and double-click the side button to confirm and schedule your recurring payments.

You can easily edit, cancel, or pause recurring payments by accessing the “Recurring Payments” section in your Apple Cash card settings within the Wallet app.

Accepting Money with Apple Cash

Receiving money with Apple Cash is just as simple. When someone sends you money, it’s securely deposited into your Apple Cash balance. You can use these funds to make purchases with Apple Pay, send money to others, or transfer it to your bank account or debit card.

Upon receiving a payment, you might be prompted to verify your identity for security purposes.

You can choose to accept payments automatically or manually. To manage this:

1. Access Card Details: Open the Wallet app, tap your Apple Cash card, tap the “More” button, and then “Card Details.”
2. Choose Acceptance Mode: Select either “Manually Accept Payments” or “Automatically Accept Payments” based on your preference.

With manual acceptance enabled, you’ll need to open the relevant Messages conversation and tap “Accept” to receive the money. You have a 7-day window to accept a payment manually. If you haven’t set up Apple Cash when someone sends you money, you’ll see an “Accept” option in the message, prompting you to set up Apple Cash to receive the funds.

Rejecting an Apple Cash Payment

If you need to reject a payment, Apple Cash allows you to do so easily.

1. Find Transaction: Open the Wallet app, tap your Apple Cash card, and locate the payment in your “Latest Transactions.”
2. Reject Payment: Tap on the payment, tap it again to view details, and then tap “Reject Payment.”

If you don’t see the “Reject Payment” option, it’s likely that you have already accepted the payment.

Requesting Money with Apple Cash

Need to request money from someone? Apple Cash makes it easy to send payment requests.

On iPhone:

1. Start or Open Conversation: Open Messages and select an existing conversation or start a new one.

2. Request Money: Tap the plus icon, select Apple Cash, enter the amount you’re requesting, and tap “Request.”

   Image of iPhone requesting money in the Messages app

   Alt text: Requesting money with Apple Cash in Messages app on iPhone, showing amount entry and request button.

3. Send Request: Tap the “Send” button to send your payment request.

On Apple Watch:

1. Open Messages: Open the Messages app on your Apple Watch and choose a conversation.
2. Request Option: Tap the plus icon, tap Apple Cash, enter the amount, and swipe left on the “Send” button to reveal the “Request” button. Tap “Request.”

Responding to a Payment Request

When you receive a payment request, responding is simple:

On iPhone:

1. Open Request: Open the payment request in Messages and tap “Pay” in the message.
2. Review and Send: Review the amount, tap “Send,” and confirm with Face ID, Touch ID, or passcode. You can also adjust the amount before sending.

On Apple Watch:

1. Open Request: Open the request in Messages and tap “Pay.”
2. Review and Pay: Review the amount, tap “Send,” and confirm. Use the Digital Crown to adjust the amount if needed.

To decline a request, simply ignore the message.

Canceling a Sent Payment

If you’ve sent money and need to cancel, 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 the payment.

Important Considerations for Sending Money with Apple Cash

Apple Cash person-to-person payments are designed for transactions between people who know and trust each other. Always ensure you are sending money to the correct recipient.

Apple Cash services are provided by Green Dot Bank, Member FDIC. To use Apple Cash, you must be 18 years old and a U.S. resident. Certain limits and terms apply, which you can review in the Terms and Conditions.

Apple Pay, which works seamlessly with Apple Cash, is a service of Apple Payments Services LLC.

By following this guide, you can confidently and efficiently send and receive money using Apple Cash, leveraging the convenience and security of your Apple devices for your digital transactions.