With Apple Cash, Apple Pay and the Apple Card – aka Apple's credit card – it can be a little confusing to know what does and does not do. Apple Cash is tied to your Apple Pay and lets you make purchases in stores, apps and on the web. You can also transfer the money you have on Apple Cash to your bank account. It's very similar to the way it works, except it's tied to your Apple ID.
You can send people money with Apple Cash, and they keep it on their Apple Cash card. However, there's an actual physical card, just a metaphorical one.
Apple cash on your iPhone.
Apple cash on your phone.
Open the Wallet app on your phone. If you already have Apple Pay. By the way, if you tilt and pan your phone, the colored circular pattern on the card will change colors. There is no practical use for this feature.
. 1 Tap the card, and then select Set Up Now .
. 2 On the next screen, tap Continue . After a moment, the Apple Cash is set up window wants to pop up.
3. Hit continue. If you do not have a debit card on your phone, you'll be prompted to add one.
If you do not have Apple Pay already set up to take a look at CNET's how to pay up Apple Pay article to get started.
Sending Apple Cash
1. To send cash, open the Messages app and then go into a conversation or start a new one.
. 2 Tap the Apple Pay button below the message field. If you do not see it tap the Apps icon to reveal it.
3. Next, tap the plus or minus buttons to add the amount you want to send.
. 4 Then, if you want, add a message to go with the payment.
. 5 When you're ready to send, tap the black circle with a white arrow.
By default, any money you already have in Apple Cash wants to make the payment first. Otherwise, Apple Cash is not just limited to your phone.
Apple Cash on the Apple Watch
Apple Cash is not just limited to your phone. So you can use it on your Apple Watch.
. 1 In Messages, scroll down, then tap the Apple Pay button.
. 2 Turn the Digital Crown to add or subtract money.
. 3 Then tap Pay .
Speak to Apple Pay
By the way, you can use Siri to pay someone with Apple Cash. Simply trigger Siri and say, "Siri, Apple Pay 80 dollars to Eric Franklin."
Request Apple Cash from someone
You can also use it to request money. For example, if you have a friend, you can request the money they owe you.
. 1 From Messages tap the Apple Pay button.
. 2 Next, enter an amount and then tap Request . You do not have to, but it's probably a good idea to add a message.
. 3 When you're done hit Send .
Receive Apple Cash and transfer to bank
Next, comes the fun part: when someone sends you money. When you receive Apple Cash from someone, it's automatically received and kept in Apple Cash by default. If you have your Apple Cash Card setup you can use it to make purchases in apps, online and in stores. Otherwise, you can transfer Apple Cash into your bank account.
. 1 Open the Wallet app and tap on Apple Cash .
. 2 On the next screen, tap the black circle at the top of the screen.
3.Then locate and tap the Transfer to Bank button.
. 4 Enter the amount you want to send and hit Next .
. 5 Then choose 1-3 Business Days . If you do not have a bank account set up, follow the instructions on your screen to add one.
. 6 Next, you need to confirm with Face ID, Touch ID, or your passcode. Then, comes the worst part:
If you have a Visa debit card tied to Apple Pay. After you tap Transfer to Bank hit Instant Transfer . Next, select the Visa debit card you want to transfer money to and the billing information. Your funds should transfer within 30 minutes.
Cancel Apple Cash payment
There may be a time when you need to cancel Apple Cash payment. For example, if you have someone money who has not accepted, you might want to cancel it and pay them via a different method.
. 1 Latest Transactions screen underneath Apple Cash card in the Wallet app.
2. Tap the payment to see its details, then check the status field.
. 3 From there, tap Cancel Payment . The status field update to read Canceled. If you do not see the option to cancel, then the person has already accepted the payment.
Apple Cash is a really convenient work system. Once you have the basics setup, you should be good to go.