What Is Apple Cash? (All You Need to Know)

Apple has many products and services available for people to use, but did you know that the company offers a service called Apple Cash? If you’ve never heard of it, you may be curious about what Apple Cash is.

Well, I have been looking into this topic and have the answer to this question plus so much more, so read on to learn what I’ve discovered!

What Is Apple Cash in [currentyear]?

Apple Cash is a service that allows you to receive and send money through iMessage or Wallet in [currentyear]. You can send money to any iOS user, and since it’s digital, you can spend it anywhere. For example, you can spend Apple Cash funds in apps that support Apple Pay, in stores, or online.

Do you want to know more about Apple Cash, including whether it’s free to use? If so, keep reading, because I have all you need to know about it below!

What Is the Difference Between Apple Pay and Apple Pay Cash?

Apple Pay is a digital wallet that allows you to make a purchase using any debit card, credit card, or Apple Cash balance that you’ve added to your Apple Wallet.

Furthermore, it’s a contactless payment method that works on WatchOS, iPadOS, iOS, and on Safari browser, and it’s secure, since your card information isn’t visible to the merchant.

Similarly, Apple Cash is a service that Apple users can use to send money to other iOS users or receive money through the iMessages app.

Also, the money is available to use anywhere you can use Apple Pay, so that balance can be used in stores or online.

Is It Free to Use Apple Cash?

It’s free to use Apple Cash, since there is no fee whether you’re requesting money, sending money, or receiving money through Apple Cash.

How Do I Get Cash From Apple Cash?

To get the cash from Apple Cash, you have two choices, which are to either transfer the money to your bank account, or transfer the money to a debit card using the Instant Transfer option.

For example, if you want to do an Instant Transfer to a Visa or Mastercard, just follow the steps below and your money should arrive within 30 minutes:

  1. Add the eligible Visa or Mastercard to your Wallet
  2. Update your iOS device to the latest version
  3. Open the Wallet app
  4. Click on the Apple Cash card
  5. Click “More”
  6. Select “Transfer to Bank”
  7. Enter the amount you’d like to transfer
  8. Select “Next”
  9. Choose “Instant Transfer”
  10. Choose which card you’d like to transfer the money to
  11. Select your billing information for that card

Also, you can transfer the money to your bank account, but it will take 1 to 3 business days for this bank transfer to complete. To perform a bank transfer, follow these steps:

  1. Open the Wallet app
  2. Select the Apple Cash card
  3. Click on “More”
  4. Select “Transfer to Bank”
  5. Enter the amount you’d like to transfer
  6. Select the “Next” button
  7. Click on “1-3 Business Days”
  8. Use a passcode, Touch ID, or Face ID to confirm
  9. Your money will be transferred within the given 1 to 3 business day timeframe

How Do I Spend Apple Cash?

How Do I Spend Apple Cash?

You can spend Apple Cash anywhere that Apple Pay is accepted, or transfer the money to your bank and use it however you want.

For example, if you keep the Apple Cash in your Apple Pay account, then you can use it online, within apps, or in stores where Apple Pay is accepted.

Therefore, Apple Cash can be spent either like cash if you transfer it to your bank account or like you would a debit or credit card without needing the physical card.

Is Apple Cash Safe?

Apple Cash is relatively safe, since Apple takes steps to protect your information through Apple Pay, including not giving merchants your credit or debit card numbers.

As well, when Apple Cash is linked to Apple Pay, it’s more secure than using a debit card or credit card.

Also, since it’s contactless and digital, there is no risk of your card being skimmed.

However, since Apple Cash is part of a digital wallet, there is the vulnerability to cyberattacks, and your information can be hacked into if you’re making a transaction over public Wi-Fi.

How Much Does Apple Cash Cost?

Apple Cash is free to use, although there is a fee associated with the Instant Transfer option, which is 1.5% and will be a minimum of $.25 up to a maximum of $15.

That being said, there is no fee associated with a bank transfer. So, if you want to avoid fees altogether, the bank transfer option is the best way to go.

Does Apple Cash Expire?

Apple Cash does not expire, and you can keep it stored in your Apple Pay digital wallet for as long as you’d like.

However, the first time you use Apple Cash, you will need to accept the money within 7 days and accept the Terms & Conditions to receive the funds, so keep that in mind for your first use.

Also, if you have an Apple Cash card, there will be an expiration date for the card just like a regular debit or credit card has.

Does Apple Cash Have a Card Number?

If you have an Apple Cash card, there is a card number associated with it.

However, you will need to click on the Apple Card within Apple Pay to bring up the card numbers and expiration date.

Can You Use Apple Cash at a Gas Station?

You can use Apple Cash at a gas station, and it works better than a traditional credit card or debit card.

That being said, some gas stations only accept Apple Pay inside the store, while others allow Apple Pay at the pump, so where you’ll need to pay using Apple Pay can vary by store.

Does Amazon Accept Apple Pay Cash?

Amazon does support Apple Pay, and you can use your Apple Cash on Amazon similarly to how you’d enter your regular credit card or debit card information during checkout.

Also, you can add Apple Pay Cash to your Amazon Payments account, and there will be no issue with transferring money or using the money.

To know more, you can also see our posts on Apple Wallet, do Apple stores accept cash, and is Apple Pay safe.


Apple Cash is a service that allows you to send and receive money through your Wallet or iMessages, and you can transfer the money to your bank account or eligible debit card.

Additionally, you can use Apple Cash anywhere that Apple Pay is accepted, which means you can use it in stores, online, or through any app that supports Apple Pay. However, to use Apple Cash, you will need to link an eligible debit card and also meet the requirements set up by Apple.

Photo of author

Mackenzie Jerks

Mackenzie is a freelance writer and editor, published author, and music enthusiast who holds a Bachelor of Science in Business Administration. When she’s not writing, Mackenzie is either wrapped up in a book, discovering new music, or introducing herself to a new fitness regimen.

Leave a Comment