How to Add Money to Apple Pay

Article Summary:

Apple Pay is an easy and safe way to make purchases and send and receive money through your Apple devices. Apple Cash is like a debit card within Apple Pay. You can add money from an eligible debit or prepaid card to your Apple Cash balance in just a few simple steps through your device’s Wallet or Settings app. Then, you’ll be ready to start spending and sending.

What if we told you that you don’t need to bring your wallet when shopping anymore? With just two clicks and a few seconds, you can make purchases straight from your iPhone, Apple Watch, iPad, or Mac.

Apple Cash, a function of Apple Pay, lets you easily transfer and spend money, eliminating the need for physical debit cards in many scenarios. Make your life easier, and keep reading to learn how to add money to Apple Pay.

What is Apple Pay?

Apple Pay is a convenient, secure, and contactless payment method available on most iPhones, Apple Watches, Macs, and iPads. All you need to use Apple Pay is a compatible device, a supported credit or debit card from a participating card issuer, and an Apple ID.

Apple Pay works through the Apple Wallet app, where you can store multiple payment methods, tickets, and more. You can add credit cards, debit cards, and cash to your Apple Wallet and use them in the following ways:

  • Online purchases
  • In-store purchases where Apple Pay is accepted (Walmart does not accept Apple Pay, but Target does)
  • In-app purchases
  • Person-to-person transactions
  • Within transport systems where Apple Pay is accepted
  • Business transactions

To use Apple Pay, you must have at least one of the following devices.

  • iPhone model with Face ID or Touch ID (except the iPhone 5s)
  • iPad model with Touch ID or Face ID
  • Apple Watch Series 1 or later
  • Mac model with Touch ID
  • Mac model introduced in 2012 or later with an Apple Pay-enabled iPhone or Apple Watch
  • Mac computer with Apple silicon paired with a Magic Keyboard with Touch ID

Pro Tip

According to Apple Support, you must have the latest iOS, iPadOS, watchOS, or macOS installed to use Apple Pay. To check that your device is up to date, go to your device’s Settings app. Tap General, then tap Software Update. From there, you can download and install new updates as needed.

A step-by-step guide to adding money to Apple Pay

Apple Pay allows you to add money directly to your Apple Wallet through Apple Cash. This acts as a virtual debit card that you can use anywhere that accepts Apple Pay. Follow these steps to set up Apple Cash and add to your balance.

How to set up Apple Cash

  1. Set up two-factor authentication for your Apple ID. Sign in to iCloud with the same Apple ID on your device.
  2. Add an eligible debit card or prepaid card in the Wallet app.
  3. Open the Settings app on your device.
  4. Scroll down and tap “Wallet & Apple Pay.”
  5. Turn Apple Cash on.
  6. Under “Payment Cards,” tap “Apple Cash.”
  7. Tap “Continue,” then follow the instructions on your screen.

Now you’re ready to add money to your Apple Cash card.

Did you know?

You can get cash back with Apple Pay if you and the vendor meet the requirements. Learn more about what Apple Pay offers, read honest customer reviews, and compare Apple Pay vs. Google Wallet with SuperMoney.

How to add money to Apple Cash

  1. Open the app. Open the Wallet app on your device. Alternatively, open the Settings app and tap “Wallet & Apple Pay.”
  2. Find your card info. Locate and select the Apple Cash card. It should look like a black card with white text in the upper left corner that says “Cash.” If you navigated to your Apple Cash card through the Wallet app on your iPhone, tap the three dots in the upper right corner to reach your card info.
  3. Add money. Tap “Add Money.” Enter the amount you want to add. The minimum amount you can add is $10. Tap “Add” in the upper right corner.
  4. Confirm. Confirm the debit or prepaid card you want to use to add the money. Confirm that the billing address is correct. To select a different card than the one shown or to change your billing address, tap the arrow next to the default card information. Finally, confirm with Face ID, Touch ID, or your passcode.

Prepaid cards can be a great way to spend money while staying within a certain budget. To see what prepaid cards are available to you, take a look at the options below.

IMPORTANT! If you get a message saying “Could Not Add Card” or “Invalid Card” when you add your payment method, you may have to contact your bank or card issuer to confirm your activity.

How to check your Apple Cash balance

After following the steps above, check your balance to make sure the transfer went through. To do so, ensure that you have a strong and secure cellular or Wi-Fi connection. Follow these two steps to check your Apple Cash balance.

  1. Open the Wallet by selecting the app or double-clicking the side button of your Apple Watch or iPhone. Alternatively, navigate to the Settings app and tap “Wallet & Apple Pay.” Select your Apple Cash card.
  2. The balance will show in the upper right corner of your card or on your card info page.

How to withdraw funds from Apple Cash

Now that you know how to add money to your Apple Cash card, let’s talk about how to withdraw money from your Apple Cash account. If you want to use your Apple Cash balance for purposes outside of Apple Pay, you can put the money back into your bank account.

Follow these steps to withdraw money from your Apple Cash balance.

  1. Open the app. Open the Wallet app on your device. Alternatively, open the Settings app and tap “Wallet & Apple Pay.”
  2. Find your card info. Locate and select the Apple Cash card. It should look like a black card with white text in the upper left corner that says “Cash.” If you navigated to your Apple Cash card through the Wallet app on your iPhone, tap the three dots in the upper right corner to reach your card info.
  3. Withdraw money. Tap “Transfer to Bank.” Enter the amount you want to transfer. Tap “Next” in the upper right corner.
  4. Choose method. Next, tap “Instant Transfer” or “1-3 Business Days.” Selecting instant transfer will send the money to your preferred debit card within 30 minutes. Alternatively, “1-3 Business Days” will send the money directly to your bank account within one to three business days.
  5. Confirm. Tap “Transfer.” Confirm the debit card or bank account accordingly. To add or select a different card or bank account, tap the arrow next to the default transfer location and follow the instructions on your screen. Finally, confirm with Face ID, Touch ID, or your passcode.

FAQs

How do you add money to Apple Pay without a debit card?

You can add money to Apple Pay using a prepaid card. Alternatively, you can ask a friend or family member to send money from their Apple Pay to your Apple Cash card. You can reimburse them in whatever way works for you.

You’ll then have an Apple Cash balance that you can use to send or spend the money wherever Apple Pay is accepted.

How do you add money to Apple Pay from a bank account?

You can’t add money to Apple Pay directly from a bank account. However, you can connect your bank account’s debit card to your Apple Wallet. Then, you can transfer money from your bank account through your debit card to your Apple Cash card or use your card directly with Apple Pay.

How do you add money to Apple Pay with a gift card?

You cannot add money to Apple Pay with a gift card, even if the gift card is in your Apple Wallet. However, you can add money to Apple Pay using a prepaid card. You can also use an Apple gift card to purchase Apple products, apps, games, music, and more.

How do you add money to Apple Pay with a credit card?

You cannot add money to Apple Cash with a credit card. However, you can link your credit card to your Wallet and use it to make Apple Pay purchases. Visit your Wallet app or Settings app to add a new credit card.

How do you add money to Apple Pay from Cash App?

To add your Cash App Cash Card to your Apple Pay on your iPhone, open the Wallet app. Tap the “+” in the upper right corner. Select “Debit or Credit Card.” Follow the instructions to add your Cash Card, and then check your Cash App to verify your card has been added.

How do you transfer money from Apple Pay to bank instantly?

To transfer money from Apple Cash to your debit card instantly, go to your card info, enter the amount you want to transfer, and tap Next. Tap Instant Transfer, and select your preferred linked debit card. Confirm the transfer and look for your funds in your debit card account within 30 minutes.

Instant transfer directly to a bank account isn’t possible with Apple Cash. However, you can transfer funds from Apple Cash to your bank account within one to three business days. To do so, go to your card info. Enter the amount you want to transfer, tap “Next,” then tap “1-3 Business Days.” Follow the instructions on your screen to set up your bank account if you haven’t already. Tap “Transfer,” then confirm the transfer.

Key Takeaways

  • The Apple Cash card is the Apple Pay virtual debit card. You can use it anywhere that accepts Apple Pay.
  • To use Apple Pay, you need a compatible Apple device, the latest software updates, and an eligible card. You can then make purchases at participating merchants right from your devices.
  • Add money straight to your Apple Cash card and check the balance through your device’s Wallet or Settings app. Go to the Apple Cash card info page and select “Add Money.” Then, confirm the amount and the debit card billing information to complete the transfer.
  • Similarly, you can withdraw money from your Apple Cash balance to your debit card or bank account through the Wallet or Settings app.
View Article Sources
  1. Add money to Apple Cash — Apple
  2. Contactless Payment — Miami-Dade Transportation and Public Works
  3. Are there limits on the amount of purchases, reloads, and cash withdrawals I can make with my prepaid card? — Consumer Financial Protection Bureau
  4. How to Get an Apple Card Credit Limit Increase (2022 Update) — SuperMoney
  5. Apple Introduces Apple Card: a No-Fee Rewards Card with a Twist — SuperMoney
  6. Does Walmart Accept Google Pay & Apple Pay Options in 2022? — SuperMoney
  7. Apple Pay vs. Google Wallet: A Comparison of Mobile Payment Systems — SuperMoney
  8. Can You Get Cash Back With Apple Pay? 2022 Update — SuperMoney
  9. Does Target Take Apple Pay? 2022 Guide — SuperMoney
  10. Apple Pay — SuperMoney
  11. Apple Card — SuperMoney
  12. 5 Ways Prepaid Debit Cards Can Help You Budget — SuperMoney
  13. Best Prepaid Cards — SuperMoney