How to Transfer Money From Apple Pay to Cash App (2024)

If you want to move money from your Apple Pay account over to your Cash App balance, the process is simple. First open up the Wallet app on your iPhone and select your Apple Pay Cash card. From there you can choose the option to transfer funds from your Apple Pay balance directly to your connected bank account. The transfer will initiate right away. Once the money shows up in your bank account in 1-3 business days, open the Cash App, go to the Banking tab, and select "Add Cash". Link your bank account, enter the amount you transferred from Apple Pay, and add the funds to put that money into your Cash App balance. Just those few steps will get your money moved over.

Key Takeaways

• Add same debit card to Apple Pay and Cash App
• Transfer money from bank to Apple Pay balance
• Cash out Apple Pay balance back to debit card
• Funds deposit instantly into Cash App balance
• Takes under one minute total to transfer

Can I Transfer Money From Apple Pay to Cash App

No, you can't directly transfer money from Apple Pay to Cash App. However, there is a two-step workaround. First, you can transfer money from Apple Cash (linked to your Apple Pay) to your bank account. Then, use Cash App's "Add Cash" feature to transfer the money from your bank account to Cash App. This might involve a small fee for the instant transfer from Apple Cash.

How to Transfer Money From Apple Pay to Cash App

Step 1: Move money from Apple Cash to your bank account

1. Open the Wallet app on your iPhone or iPad.
2. Tap on your Apple Cash card.
3. Select "Transfer to Bank."
4. Enter the amount you want to transfer.
5. Choose your transfer speed:Standard (1-3 business days): Free Instant (arrives immediately): May incur a fee
6. Confirm the transfer using Face ID, Touch ID, or your passcode.

Step 2: Add money from your bank account to Cash App

1. Open the Cash App on your iPhone or Android device.
2. Tap the "+" icon in the bottom right corner.
3. Select "Add Cash."
4. Enter the amount you want to transfer (amount you moved in step 1).
5. Tap "Add" and confirm the transfer using your PIN or Touch ID.

How to Transfer Money From Apple Pay to Cash App Instantly

Unfortunately, there's no direct way to achieve an entirely instant transfer from Apple Pay to Cash App. Even though Apple Cash offers instant withdrawals to your debit card, it might not be truly instant and could come with a fee. Here's why:

• Apple Cash Instant Withdrawal: While Apple Cash advertises "instant" transfers to linked debit cards, the actual arrival time can vary depending on your bank's processing speed. It could take up to 30 minutes for the funds to be available on your debit card.
• Transferring from Debit Card to Cash App: Once the money reaches your debit card, adding it to Cash App won't be instantaneous either. Cash App standard deposits typically take 1-3 business days to reflect in your Cash App balance.

Alternatives for Faster Transfers (Not Instant):

1. Use Standard Transfer from Apple Cash: If the instant fee isn't appealing, consider the standard transfer option from Apple Cash to your bank (free, but takes 1-3 business days). Once the money reaches your bank account, transfer it to Cash App using the standard deposit method (another 1-3 business days).
2. Explore P2P Payment Services: If speed is crucial, consider using a peer-to-peer (P2P) payment service that allows instant transfers between friends. However, be sure both you and the recipient use the same service and understand any associated fees.

How to Transfer Money From Cash App to Apple Pay Without Card

Transferring money directly from Cash App to Apple Pay without a card intermediary isn't possible. Cash App and Apple Pay operate on separate platforms and have different methods of handling transactions.

However, you can still transfer money from Cash App to your bank account and then add that same bank account to Apple Pay. Here's a step-by-step guide:

1. Transfer money from Cash App to your bank account:

• Open the Cash App on your mobile device.
• Tap the Balance tab on the home screen.
• Enter the amount you want to transfer.
• Tap "Cash Out" and select your bank account.
• Follow the prompts to complete the transfer.

2. Add your bank account to Apple Pay:

• Open the Settings app on your iPhone or iPad.
• Scroll down and tap on "Wallet & Apple Pay."
• Tap on "Add Card" and select your bank.
• Follow the prompts to add your bank account to Apple Pay.

3. Use Apple Pay with your bank account:

Once your bank account is added to Apple Pay, you can use it to make purchases in stores, online, and in apps that accept Apple Pay.

Requirements for Transferring Money

• Requires two apps: Apple Wallet & Cash App
• Transfer money from Apple Cash to your bank account first.
• Need your bank account details linked to Apple Pay.
• Cash App requires your debit/bank card info for adding money.

How to Add Cash App to Wallet

Cash App itself can't be directly added to your digital wallet, but you can add the Cash Card, which is a Visa debit card linked to your Cash App account.

Here's how to do it depending on your phone:

iPhone (Apple Pay)

There are two ways to add your Cash Card: through the Cash App itself or through Apple Wallet.

• Using Cash App: Open Cash App, tap the Cash Card tab, select "Add to Apple Pay" and follow the prompts.
• Using Apple Wallet: Open your Apple Wallet, tap the "+" sign, select "Credit or debit card", then scan your Cash Card or enter the details manually. You might need to verify the card within Cash App.

Android (Google Pay)

Similar to iPhone, you can add your Cash Card through the Cash App or Google Pay app:

• Using Cash App: Open Cash App, tap the Cash Card tab, select "Add to Google Wallet" and follow the steps.
• Using Google Pay: Open Google Pay, tap "+" sign, select "Payment method" > "New credit or debit card", then scan your Cash Card or enter the details manually. Verify the card within Cash App if prompted.

Troubleshooting Common Transfer Issues

If you have issues making transfers between Apple Pay and Cash App, try these troubleshooting tips:

• Confirm your debit card cash out methods are enabled properly in both apps
• Check for weekly cash out limits from either service
• If transfers fail or seem stuck, contact Cash App / Apple support
• Ensure you have sufficient funds to avoid overdraft fees
• Confirm that both services show the same valid debit card on file
• If needed, delete the card from both services and re-add it

Following those tips helps resolve most transfer issues reported between the two payment services.

Tips for Secure Transfers and Transactions

To keep your money secure when moving funds between Apple Pay and Cash App:

• Only link bank accounts and debit cards that you control
• Use strong, unique passwords for both services
• Enable passcodes, Touch ID, and/or Face ID security options
• Monitor transaction histories routinely for errors or fraud
• Do not store large balances long term, transfer excess back to bank
• Beware of scam apps pretending to link Apple Pay and Cash App

Caution is always wise when dealing with money transfer applications and online financial transactions. But ultimately, both Apple Pay and Cash App utilize industry-standard encryption and security measures to protect your activity, funds, and private data.

What is Apple Pay And How Does It Work?

Apple Pay is a mobile payment service developed by Apple that lets you use your iPhone, Apple Watch, iPad, or Mac to make secure contactless payments in stores, within apps, and on the web.

Here's how it works:

• Setting Up: You add your debit, credit, or prepaid cards to the Wallet app on your Apple device. Your bank needs to support Apple Pay for this to work.
• Making a Payment: When you're ready to pay at a store, hold your iPhone or Apple Watch near the contactless payment terminal. You'll authenticate the payment with your Face ID, Touch ID, or passcode. No need to take out your physical wallet.
• Security: Apple Pay uses a secure element built into your device to store your card information encrypted. When you make a payment, a unique code is generated instead of your actual card number being shared with the merchant. This adds an extra layer of security.

Apple Pay also offers other benefits:

• Convenience: It's faster and easier than using a physical card, especially with Face ID or Touch ID.
• Rewards: You can still earn points or miles offered by your cards.
• Apple Pay Later: You can split your purchase into installments using Apple Pay Later (available in some regions).

What is Cash App And How Does It Work

Cash App is a mobile payment service that lets you send and receive money quickly and easily. It's kind of like a digital wallet that you can access through your phone. Here's a rundown of how it works:

• Sending and Receiving Money: With Cash App, you can send money to anyone with a phone number, email address, or a special code called a "$cashtag". The money gets deposited directly into their Cash App balance. Receiving money works the same way - someone can send money to your Cash App using your phone number, email, or $cashtag.
• More than P2P: Cash App offers features beyond just peer-to-peer payments. You can also get a linked debit card, called a Cash Card, that lets you make purchases using the money in your Cash App account. They even have features for direct deposit, investing in stocks and Bitcoin, and filing taxes (in the US).
• Getting Started: To use Cash App, you download the app on your phone and create an account. You'll need to link your bank account so you can add and withdraw money. Sending and receiving money is usually free, but there are fees for some other features like using the Cash Card at an ATM that isn't in their network.

Overall, Cash App is a handy tool for managing your money on the go. Whether you're splitting a bill with friends or need a quick way to get paid for a side hustle, Cash App can be a convenient option. Just be sure to familiarize yourself with any fees before using it.

Apple Pay vs Cash App: Which Is Better

Both Apple Pay and Cash App are popular digital payment options, but they cater to slightly different needs. Here's a breakdown to help you decide which is better for you:

Apple Pay

Pros:

• Secure and integrated with Apple devices (iPhone, Apple Watch, etc.) for contactless payments in stores and apps.
• No transaction fees for sending or receiving money.
• Highly-rated customer support.

Cons:

• Limited to Apple devices.
• Not all stores and apps accept Apple Pay.

Cash App

Pros:

• Works on iOS and Android devices.
• Offers peer-to-peer (P2P) payments for sending and receiving money from friends and family.
• Includes a debit card (Cash Card) for ATM withdrawals and online purchases.
• Offers investing features (with some fees).

Cons:

• May have fees for certain transactions (instant deposits, sending larger amounts).
• Customer service experience can be mixed.

Here's a quick decision maker:

Choose Apple Pay if:

• You have an iPhone or other Apple device.
• You prioritize security and contactless payments.
• You don't need features like P2P payments or a debit card.

Choose Cash App if:

• You need a payment option that works on both iPhone and Android.
• You want to send and receive money from friends easily.
• You'd like a debit card with additional features like investing (be aware of fees).

Ultimately, the best choice depends on your needs and preferences. You can even consider using both! Cash App for P2P transactions and Apple Pay for in-store purchases.

How Do You Verify Cash App for Apple Pay

Cash App itself doesn't require verification for Apple Pay, but your Cash Card does. There are two ways to add and verify your Cash Card with Apple Pay:

1. Verify through Cash App:

• Open the Cash App on your iPhone or iPad.
• Tap the "Cash Card" tab on the home screen.
• Select "Add to Apple Pay" and follow the on-screen prompts. This will involve verifying your card with Cash App.

2. Verify through Apple Wallet:

• Open the Apple Wallet app on your iPhone or iPad.
• Tap the plus sign (+) to add a new card.
• Follow the prompts and enter your Cash App card information. During this process, you'll be guided to open Cash App to verify your card.

Once the verification is complete, your Cash Card will be ready to use with Apple Pay.

Is There a Transfer Limit When Using Apple Pay With Cash App

Cash App does not enforce transfer limits from Apple Pay specifically. However, standard limits apply:

Cash App Limits

• $7,500 weekly cash out limit
• $2,000 daily instant cash out amount
• $250 weekly bitcoin sell limit

Apple Pay Cash Limits

• $10,000 per transaction
• $20,000 per week receiving limit
• $10,000 per week sending limit

As long as you stick within these boundaries, you can freely transfer money back and forth between Apple Pay and Cash App via your debit card without worrying about limits.

How Long Does It Take to Transfer Money From Apple Pay to Cash App

Transferring money from Apple Pay to Cash App involves an indirect process with two parts, so the total time depends on which transfer method you choose for the first step:

• Transferring from Apple Cash to your bank account:Standard transfer (1-3 business days): This is free, but takes 1-3 business days for the funds to appear in your bank account. This is the most common scenario.Instant transfer (within 30 minutes): Some banks allow instant transfers from Apple Cash to your debit card, with the funds appearing in around 30 minutes. This might come with a fee.
• Adding funds to Cash App from your bank account: Once the money reaches your bank account (from step 1), transferring it to Cash App typically takes another 1-3 business days, regardless of the method used in step 1.

So, the total transfer time can range from 1-3 business days (standard bank transfer) to potentially the same day (instant transfer to debit card, then standard transfer to Cash App).

Conclusion

In summary, while Apple Pay and Cash App do not have direct integration, you can easily transfer funds between the two services in under a minute by linking the same debit card. Simply add your card to both platforms, move money from your bank to Apple Pay, cash out your Apple Pay balance back to the card, and the money will instantly show up in your Cash App balance, ready to use or withdraw. By bridging Apple Pay and Cash App to the same debit card number, you enable quick, simple transfers on demand between these two mobile payment providers.

Frequently Asked Questions (FAQ)

Can I transfer Apple Pay to Cash App?

No, you can't directly transfer money from Apple Pay to Cash App. Both are digital wallets, not bank accounts, so they can't hold transferred funds directly. However, there are workarounds, like adding your Cash App card to Apple Pay for spending your Cash App balance.

How do I transfer money from Apple Pay?

Apple Pay itself isn't designed for transfers. But if you have money in your Apple Cash (linked to Apple Pay), you can transfer it to your bank account and then send it to Cash App.

Can you withdraw money from Apple Pay?

Yes, you can withdraw money from your Apple Cash balance to your linked bank account. There might be fees for instant transfers, while standard transfers take a few days but are usually free.

Transfers Between Other Payment Services

Can you transfer Apple Pay to PayPal?

Similar to Cash App, you can't directly transfer from Apple Pay to PayPal. You'd need to withdraw funds from Apple Cash to your bank account first and then send them to PayPal.

Can Apple Pay send money to Google Pay?

Currently, Apple Pay and Google Pay don't allow direct transfers between each other.

Can I send money from PayPal to Cash App?

Yes, you can send money from PayPal to Cash App using the linked bank account details in your Cash App.