Use Apple Cashto send and receive moneywith people you know.
If this is your first time usingApple Cash1 to send, receive, or request money, learnwhat you need to get started.
Send money in the Messages app using Apple Cash
When you send money using Apple Cash,your Apple Cash balance isused to pay by default.If you want to usea debit card instead, you cansend money directly from your debit card.
On your iPhone or iPad
- Open the Messages app, then start a new conversation or tap an existingone.
- Tap the plus icon
, tap Apple Cash, then enter the amount you want to send. - Tap Send, then tap the Send buttonto review or cancel the payment.
- Double-click the side button to pay.
- Confirm your payment with Face ID, Touch ID, or your passcode.
, tap Apple Cash, then enter the amount you want to send.
to review or cancel the payment.If the person you sent money to has not accepted the money yet, you can cancel the payment.
On your Apple Watch
- Open the Messages app, then tap an existingconversation.
- Tap theApp Store button, then tap the AppleCash button.
- Tap the minus sign or the plus signto change the amount. You can also use the Digital Crown.
- Tap Send, then review or cancel the payment.
- Double-click the side button to send your payment.
, then tap the AppleCash button
.
Send money using a debit card
For any Apple Cash transaction, you can choose to pay with a debit card. To do this, when you're ready to send your payment:
- Tap Send, then tap the Send button.
- Tap your Apple Cash card.
- Tap the Apple Cash slider to turn it off.
- Tap your debit card to select it.Then, double-click the side button to pay.
- Confirm your payment with Face ID, Touch ID, or your passcode.
Learn how to add a debit card to Walletif you don't have one added.
Send money using your Apple Cash card and your debit card
If you don't have enough money in your Apple Cash balance to senda payment, you can pay the remainderwith your debit card. To do this, when you're ready to send the payment:
- Tap Send, then tap the Send button .
- You'll see your Apple Cash card and your debit card on the screen with the amounts that will be deducted from each card.
- Double-click the side button to pay using both cards.
- Confirm your payment with Face ID, Touch ID, or your passcode.
Change your payment method
To change the debit card used to send money, tap the arrow 
. Then choose the debit card that you want to use, and check that the billing address is correct.
Send money in the Wallet app using Apple Cash
- On your iPhone, open the Wallet app. Then tap your Apple Cash card.
- Tap Send or Request, then select or add the person you want to send money to.
- Tap Next, then enter the amount you want to send.
- Tap Send, then tap the Send buttonto review or cancel the payment.
- Double-click the side button to pay.
- Confirm your payment with Face ID, Touch ID, or your passcode.
If the person you sent money to has not accepted the money yet, you cancancel the payment.
Set up a recurring payment in Wallet
You can send weekly, biweekly, or monthly Apple Cash payments with Apple Cash.
- On your iPhone, open the Wallet app. Then tap your Apple Cash card.
- Tap the More button, tap Recurring Payments, then tap New Recurring Payment.
- Add the recipient, then follow the on-screen instructions to choose the dollar amount of each payment, the date you want the payments to start, and how often you'd like them sent. You can also add a memo to identify what the payments are for.
- Tap Send, then tap the Send buttonto review or cancel the payment.
- Double-click the side button to pay.
- Confirm your payment with Face ID, Touch ID, or your passcode.
, tap Recurring Payments, then tap New Recurring Payment.
Edit, cancel, or pause a recurring payment
- On your iPhone, open the Wallet app, tap your Apple Cash card, then tap the More button .
- Tap Recurring Payments, tap the recurring payment, tap cancel or pause, or tap Edit to change any of the payment details.
Send money using Siri
On your iPhone or Apple Watch, say "Hey Siri," then say something like, "Send 25 dollars to Jane using Apple Cash." Thentap Send.
Automatically or manually accept payments
The first time that you use AppleCash, you have 7 days to accept themoney that you've been sent. After you accept theterms and conditions, payments are automatically accepted and added to your AppleCash card.You might be asked toverify your identity.
When someone sends you money,it'ssecurely received andkept in AppleCash. You can use the money right away2to send to someone,spend with Apple Pay, ortransfer the money to your bank account or eligible debit card.
On your iPhone
- Open the Wallet app, then tap your Apple Cash card.
- Tap the More button , then tap Card Details.
- Tap Automatically Accept Payments or Manually Accept Payments.
If you choose Manually Accept Payments, you'll see Accept in the message when someone sends you money. You have 7 days to accept the money.
To reject a payment, open the Wallet app on your iPhone, tap your Apple Cash card, and find the payment under Latest Transactions. Tap the payment, tap the payment again, then tap Reject Payment.
When you change the method of how you accept payments, it updates on all your devices.
On your iPad
- Open the Settings app.
- Scroll down, tap Wallet & Apple Pay, then tap your Apple Cash card.
- Tap Automatically Accept Paymentsor Manually Accept Payments.
On your Apple Watch
- Open the Apple Watch app on your iPhone.
- Scroll down and tap Wallet & Apple Pay, then tap your Apple Cash card.
- Tap Automatically Accept Paymentsor Manually Accept Payments.
Send a request for payment in Messages
When yousend someone a paymentrequestusing AppleCash,they can confirm or change the amount that they want to send.
On your iPhone or iPad
- Open a conversation in the Messages app or start a new conversation.
- Tap the plus icon,tap Apple Cash, enter the amount, then tap Request.
- Tap the Send buttontorequest the payment.
On your Apple Watch
- Open the Messages app and choose a conversation.
- Tap the App Storebutton, then tap the Apple Cash button.
- Enter an amount, then swipe left on the Send button to show the Request button.
- Tap Request.
Respond to a request for payment on iPhone or iPad
- Open the request in the Messages app, then tap Pay on the message.
- Review the amount to send. Tap the Send button to continue.Or you can change the amount, and then tap Send.
- Double-click the side button to pay.
- Confirm your payment with Face ID, Touch ID, or your passcode.
To decline a request for money, you can ignore the message.
Respond to a request for money on Apple Watch
- Open the request in the Messages app, then tap Pay on the message.
- Review the amount to send. Tap Send to continue.
- You can use the Digital Crown if you want to change the amount. Then, tap Send.
- Double-click the side button to confirm and send your payment.
Cancel or dispute a payment
- Open the Messages app, then open the conversation and tap the payment.
- Your Apple Cash card will open in the Wallet app.Under Latest Transactions, tap the payment, then tap it again.
- Tap Cancel Payment.
If you don't see Cancel Payment, the person has already accepted the payment.Try asking the recipient to send the money back to you instead.
Depending on your bank or cardissuer, it might take 1-5 business days forthe money to be refunded.
Apple Cash person-to-person payments are like any other private transaction between two people, so only send and receive money with people you know. If you have questions or concerns about a transaction, please contact us.
What you need
You and the person that you're sending money to or receiving the money from must:1
- Have a compatible devicewiththe latest iOS, iPadOS, orwatchOS.
- Usetwo-factor authentication with your Apple IDandsign in to iCloud and iMessage with the same Apple IDon any device that you want to use to send or receive money.
- Make sure that there's enough money onyour AppleCash cardor that you havean eligible debit card in Walletif you're sending money to someone.
Learn more
- Learn about limits, including how much money you can send and receive with AppleCash.
- Manage the devices that you can use to send money.
- Apple Cash services are provided by Green Dot Bank, Member FDIC. Learn more about theTerms 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 send up to $2000 per transaction and receive up to $2000 within a seven-day period. To access and use all Apple Cash features, you must have an eligible device with Wallet that supports and has the latest version of iOS.
- Account security checks might require additional time to make funds available.
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