Send and receive money with Apple Cash

Use Apple Cash to send and receive money with people you know.

Sending money with Apple Pay 

If this is your first time using Apple Cash to send, receive, or request money, learn what you need to get started.

How to send money in the Messages app using Apple Cash

When you send money using Apple Cash, your Apple Cash balance is used to pay by default. If you want to use a debit card in Wallet instead, you can send money directly from your debit card.

How to send Apple Cash in the Messages app 

On your iPhone or iPad

  1. Open the Messages app, then start a new conversation or tap an existing one.
  2. Tap the Apple Cash button Apple Cash icon. If you don't see the Apple Cash button, tap App Store icon first.
  3. Enter the amount that you want to send.
  4. Tap Send, then tap the Send button Send icon to review or cancel the payment.
  5. 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 can cancel the payment.

Respond to a request for money on iPhone or iPad

  1. Open the request in the Messages app, then tap Pay on the message.
  2. Review the amount to send. Tap Send to continue, or change the amount.
  3. Confirm using Face ID, Touch ID, or your passcode and send your payment.

To decline a request for money, you can just ignore the message. You can also decline the request in Wallet.

How to send Apple Cash on Apple Watch 

On your Apple Watch

  1. Open the Messages app, then tap an existing conversation.
  2. Tap the App Store button , then tap the Apple Cash button .
  3. Tap the minus sign or the plus sign to change the amount. You can also use the Digital Crown.
  4. Tap Send, then review or cancel the payment.
  5. Double-click the side button to send your payment.

Respond to a request for money on Apple Watch

  1. Open the request in the Messages app, then tap Pay on the message.
  2. Review the amount to send. Tap Send to continue, or use the Digital Crown to change the amount.
  3. Double click the side button to confirm and send your payment.

How to cancel or dispute a payment 

How to send money in the Wallet app using Apple Cash

  1. On your iPhone, open the Wallet app. Then tap your Apple Cash card.
  2. Tap Send or Request, then select or add the person you want to send money to.
  3. Tap Next, then enter the amount you want to send.
  4. Tap Send, then tap the Send button Send icon to review or cancel the payment.
  5. 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 can cancel the payment.

Ask Siri

On your iPhone or Apple Watch, say "Hey Siri," then say something like, "Send 25 dollars to Jane using Apple Cash." Then tap Send.

How to choose your payment method to use with Apple Pay 

Use a debit card to send money

By default, your Apple Cash balance is used to send money. If you don't have enough money in your Apple Cash balance to send the payment, you can pay the remainder with a debit card in Wallet. You can see which card is being used on the confirmation screen.

Learn how to add a debit card to Wallet if you don't have one added.

Change your payment method

To change the debit card being used to send money, tap the arrow . Then choose the card that you want to use, and check that the correct billing address is selected for that card.

You can also choose not to use your Apple Cash balance by turning Apple Cash off under Payment Method.

How to send a request for payment

When you send someone a payment request using Apple Cash, they can change or confirm the amount that they want to send.

Send an Apple Cash payment request in the Messages app 

On your iPhone or iPad

  1. Open a conversation in the Messages app or start a new conversation.
  2. Tap the Apple Cash button Apple Cash icon. If you don't see the Apple Cash button, tap the App Store button App Store icon first.
  3. Enter an amount, then tap Request.
  4. Tap the Send button Send icon to request a payment.

On your Apple Watch

  1. Open the Messages app and choose a conversation.
  2. Tap the App Store button , then tap the Apple Cash button .
  3. Enter an amount, then swipe on the Send button to show the Request button.
  4. Tap Request.

From the Wallet app

  1. On your iPhone, open the Wallet app. Then tap your Apple Cash card.
  2. Tap Send or Request, then select or add the person you want to request money from.
  3. Tap Next.
  4. Enter an amount, then tap Request.
  5. Tap the Send button Send icon to request a payment.

How to automatically or manually accept payments

The first time that you use Apple Cash, you have 7 days to accept the money that you've been sent. After you accept the terms and conditions, payments are automatically accepted and added to your Apple Cash card. You might be asked to verify your identity.

When someone sends you money, it's securely received and kept in Apple Cash. You can use the money right away1 to send to someone, spend with Apple Pay, or transfer the money to your bank account or eligible debit card.

On your iPhone

  1. Open the Wallet app, then tap your Apple Cash card.
  2. Tap the More button More icon, then tap Card Details .
  3. 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.

How to automatically or manually accept payments with Apple Cash 

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.

On your iPad

  1. Open the Settings app.
  2. Scroll down and tap Wallet & Apple Pay, then tap your Apple Cash card.
  3. Tap Automatically Accept Payments or Manually Accept Payments.

On your Apple Watch

  1. Open the Apple Watch app on your iPhone.
  2. Scroll down and tap Wallet & Apple Pay, then tap your Apple Cash card.
  3. Tap Automatically Accept Payments or Manually Accept Payments.

When you change the setting on one of your devices, it updates the setting on all of your devices.

How to cancel or dispute a payment

  1. Open the Messages app, then open the conversation and tap the payment.
  2. Your Apple Cash card will open in the Wallet app. Under Latest Transactions, tap the payment, then tap it again.
  3. 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.

It might take 1-3 business days for the money to be refunded, depending on your bank or card issuer.

Apple Cash person to person payments are just 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:2

Learn more

  1. Account security checks might require additional time to make funds available.
  2. To send and receive money with Apple Cash, you must be at least 18 years old and a resident of the United States. If you're under 18 years old in the United States, your family organizer can set up Apple Cash for you as part of Apple Cash Family. Then, you can send and receive money with Apple Cash. Apple Cash services are provided by Green Dot Bank, Member FDIC. Learn more about the Terms and Conditions.
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