Money apple has in the bank

Manage your Apple Cash account

Choose which devices can use Apple Cash, check your card details, view your transactions, and more.

Find your Apple Cash card info

• On your iPhone, open the Wallet app, tap your Apple Cash card, then tap the more button . 1
• On your iPad, open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card
• For Apple Watch, open the Apple Watch app on your iPhone, tap Wallet & Apple Pay, then tap your Apple Cash card.

From here, you can see your balance, the Privacy Policy, and the Terms and Conditions. To make sure that your balance is up to date, you need a cellular or Wi-Fi connection.

If you’re part of a Family Sharing group, you can also see family members who are eligible for Apple Cash Family.

If you’re asked for a PIN

Apple Cash doesn’t require a PIN because every payment is authenticated by Face ID, Touch ID, or a secure passcode.

If you’re prompted by a terminal to enter a PIN to complete a debit transaction, enter a four-digit code, like 0000.

See your transactions

1. On your iPhone, open the Wallet app and tap your Apple Cash card.
2. You see Latest Transactions. To see transactions by year, scroll down and tap Transactions in [year].
3. For more details, tap a transaction, then tap the transaction again.

To see transactions on your Apple Watch, open the Wallet app, choose your Apple Cash card, then scroll down.

To see transactions on your iPad, open the Settings app, tap Wallet & Apple Pay, tap your Apple Cash card, then tap the Transactions tab.

Get a PDF of your activity

1. On your iPhone, open the Wallet app.
2. Tap your Apple Cash card, then tap the more button .
3. Scroll down and tap Request Transaction Statement.
4. Confirm your email address, then tap Send.

A PDF of your transaction history from the last 12 months, up to 11:59 p.m. PT the prior day, is sent to the same email address that you use as your Apple ID. You can also see information regarding fees that have been applied to your Apple Cash card.

To report a transaction issue, you can contact Apple.

Turn off Apple Cash on a device

After you set up Apple Cash on one device, you can use it on any eligible device where you’re signed in to iCloud with the same Apple ID. To turn off Apple Cash on a certain device, use these steps on the device:

• On iPhone or iPad, open the Settings app, tap Wallet & Apple Pay, then turn off Apple Cash.
• For Apple Watch, open the Apple Watch app on your iPhone, tap Wallet & Apple Pay, then turn off Apple Cash.

To turn Apple Cash back on, you need to enter your Apple ID password.

Turning off Apple Cash in Settings doesn’t close your account.

Close your Apple Cash account

Before you close your account, make sure that your balance is $0 and that you don’t have pending transactions. To check your balance, go to your card info. You can transfer money to your bank, spend it, or send it to someone.

When your balance is $0, contact Apple to close your account.

1. Go to your card info:
   • On iPhone, open the Wallet app, tap your Apple Cash card, then tap . Tap the Info tab.
   • On iPad, open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card. Tap the Info tab.
   • For Apple Watch, open the Apple Watch app on your iPhone, tap Wallet & Apple Pay, then tap your Apple Cash card.
2. Tap Contact Apple, then tap Call.

If you’re part of Apple Cash Family

If you’re the family organizer and you close your account, any Apple Cash Family accounts that you set up for family members will close and their balances will transfer to your account. Learn what happens if you disband the Family Sharing group.

If you’re part of Apple Cash Family, the organizer will need to close your account. If you’re the organizer and you close a family member’s account, that family member’s Apple Cash balance is transferred to your account.

If you’re less than 18 years old and you’re removed from Apple Cash Family by the organizer, your balance is transferred to the organizer and your account is closed. If you remove yourself from your family group, your balance is transferred to the organizer and your account is closed.

If you’re over 18 years old and take ownership of your Apple Cash account, you keep your balance. Refunds and credits to your account that were initiated before you took ownership will transfer to the organizer’s account.

What happens to Daily Cash you receive from Apple Card

When you close your Apple Cash account, your Daily Cash from Apple Card purchases accumulates in your Apple Card account. 2 The accumulating Daily Cash can be applied towards your Apple Card balance.

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Set up Apple Cash

When you set up Apple Cash, you can send and receive money in the Messages app or make purchases using Apple Pay. 1

What you need

• Be at least 18 years old and live in the United States.
• Have a compatible device with iOS 11.2 or later or watchOS 4.2 or later.
• Set up two-factor authentication for your Apple ID.
• Sign in to iCloud with the same Apple ID on any device that you want to use to send or receive money.
• Add an eligible debit card in the Wallet app, so you can send money.

How to set up Apple Cash

1. Open the Settings app on your iPhone or iPad.
2. Scroll down and tap Wallet & Apple Pay.
3. Turn Apple Cash on.
4. Under Payment Cards, tap Apple Cash.
5. Tap Continue, then follow the instructions on your screen.

When someone sends you money, it’s automatically and securely kept on your Apple Cash card. Your new Apple Cash card can be found in the Wallet app.

If you want to set up Apple Cash for a family member that’s under 18 years old, learn how to set up Apple Cash Family. If you’re under 18 years old, your Family Sharing organizer can set up Apple Cash for you with Apple Cash Family.

If you turn off Apple Cash for any one device, you can still use Apple Cash on other devices where you’re signed in with your Apple ID.

What you can do with Apple Cash

• Add money to Apple Cash.
• Make purchases using Apple Pay.
• Send money to someone in the Messages app. 2
• Transfer money from Apple Cash to your bank account.
• Use your Apple Cash to make payments on your Apple Card balance .
• Receive Daily Cash from Apple Card purchases. 3

Learn more

• There’s no fee to send, receive, or request money using Apple Cash.
• Setting up Apple Cash doesn’t affect your credit and won’t be impacted by any credit freezes.
• To protect your account, you might be asked to verify your identity at certain points when using Apple Cash. If you don’t want to provide this information, you won’t be able to use the full functionality of Apple Cash. Learn how to verify your identity.
• Learn about the minimum and maximum amounts that you can send, receive, transfer, and more.

1. Sending and receiving money with Apple Pay and the Apple Cash card are services provided by Green Dot Bank, Member FDIC. Learn more about the Terms and Conditions.
2. You can’t use person to person payments with Apple Pay for any business-related activities, such as operating a business or paying employees.
3. Apple Card is issued by Goldman Sachs Bank USA, Salt Lake City Branch. Apple Card is available only in the United States.

Information about products not manufactured by Apple, or independent websites not controlled or tested by Apple, is provided without recommendation or endorsement. Apple assumes no responsibility with regard to the selection, performance, or use of third-party websites or products. Apple makes no representations regarding third-party website accuracy or reliability. Contact the vendor for additional information.

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Apple Cash and person to person payments limits

Here are the limits associated with using Apple Cash and person to person payments.

Apple Cash balance limit

The maximum Apple Cash balance you’re allowed to have after verifying your identity is $20,000. 1,2

If you’re part of Apple Cash Family, the maximum Apple Cash balance you’re allowed to have is $4,000.

Adding money from a debit card or prepaid card

You can only add money from a supported United States debit card or prepaid card that’s in Apple Pay. 3 Here are the limits:

• Per transaction, you can add a minimum of $10.
• Per transaction, you can add up to $10,000.
• Within a 7-day period, you can add a maximum of $10,000.

You might also be limited by the available balance on your debit or prepaid card or limits from your bank or card issuer.

If you’re part of Apple Cash Family

• Per transaction, you can add a minimum of $10.
• Per transaction, you can add up to $2,000.
• Within a 7-day period, you can add a maximum of $2,000.

Sending or receiving limits

• Per message, you can send or receive a minimum of $1.
• Per message, you can send or receive up to $10,000.
• Within a 7-day period, you can send or receive a maximum of $10,000.

You might also be limited by the available balance on your debit or prepaid card or limits from your bank or card issuer.

If you’re part of Apple Cash Family

• Per message, you can send or receive a minimum of $1.
• Per message, you can send or receive up to $2,000.
• Within a 7-day period, you can send or receive a maximum of $2,000.

Transferring money to your debit card or bank account

• You can transfer a minimum of $1 to your debit card or bank account, or your full balance if it’s under $1.
• You can transfer up to $10,000 to your debit card or bank account in a single transfer.
• Within a 7-day period, you can transfer up to $20,000 to your debit card or bank account.
• For Instant Transfer, a 1.5 percent fee (with a minimum fee of $0.25 and a maximum fee of $15) is deducted from the amount of each transfer.
• With Instant Transfer, limits don’t include fees.

To transfer money to your debit card, you must have an eligible debit card in the Wallet app.

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Transfer money in Apple Cash to your bank account or debit card

You can transfer money from your Apple Cash card instantly or within 1 to 3 business days.

How to transfer money to your bank or eligible debit card

When you transfer money from your Apple Cash 1 card, you can either use a bank transfer to send funds to your bank account in 1 to 3 days or you can use Instant Transfer 2 to send funds instantly 3 to an eligible Mastercard or Visa debit card.

You can also send money to an individual in the Messages app.

Transfer instantly to an eligible debit card

First, make sure your iPhone or iPad has the latest version of iOS or iPadOS and add an eligible debit card 4 in the Wallet app.

Then, make an Instant Transfer:

1. Go to your card info:
   • On iPhone: open the Wallet app, tap your Apple Cash card, then tap the more button .
   • On iPad: open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
2. Tap Transfer to Bank.
3. Enter an amount and tap Next.
4. Tap Instant Transfer.
5. If you haven’t added an eligible debit card, tap Add Card and follow the instructions on your screen to add a Mastercard or Visa debit card.
6. Tap > to select the debit card you want to transfer funds to and select the billing information for your chosen debit card.

Transfer in 1 to 3 business days to a bank account

1. Go to your card info:
   • On iPhone: Open the Wallet app, tap your Apple Cash card, then tap the more button .
   • On iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
2. Tap Transfer to Bank. 5
3. Enter an amount and tap Next.
4. Tap 1-3 Business Days. If you don’t have a bank account set up, follow the instructions on your screen to add one.
5. Confirm with Face ID, Touch ID, or passcode.
6. Wait for the money to transfer. This can take 1 to 3 business days.

If you’re under 18 years old and part of Apple Cash Family

Children less than 13 years old can transfer funds from their Apple Cash account to a bank account. 1

Teens at least 13 years old can transfer funds to their bank account or an eligible debit card using Instant Transfer.

How to update your bank account information

1. Go to your card info:
   • On iPhone: Open the Wallet app, tap your Apple Cash card, then tap the more button .
   • On iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.
2. Tap Bank Account, then tap the bank account you want to update.
   • To delete your banking information, tap Delete Bank Account Information. Tap again to confirm. After deleting, you can add your bank information again or add different information.
   • To edit your bank information, tap next to your routing number or account number, add your information, then confirm the numbers and tap Next. 6

After you update your information on one device, it automatically updates on all the devices where you’re signed in with your Apple ID.

About transfer limits

You can transfer up to $10,000 per transfer and up to $20,000 within a seven-day period from Apple Cash to your bank account. You can only transfer your money to a bank account in the United States. There are no fees to transfer your money from Apple Cash to your bank account, unless you use an Instant Transfer.

How to find your bank account number or routing number

Your bank account number and routing numbers are easy to find on your checks. If you don’t have a check, you can call your bank and ask for this information.

If you didn’t receive your transfer

Check your bank statement to see if the transfer has been processed and deposited into your bank account. Bank transfers aren’t deposited on bank holidays or the weekend. See holidays observed by the Federal Reserve on federalreserve.gov.

If you don’t receive an Instant Transfer after 2 hours, or you don’t receive a 1 to 3 business day transfer after 3 business days, contact us.

If you think that you entered the wrong bank account or routing number, contact us.

If you can’t transfer money

1. Check for iOS,iPadOS, or watchOS updates.
2. Make sure that your device is eligible to use with Apple Pay.
3. Make sure that you have a Wi-Fi or cellular connection.
4. If you’re transferring money to a debit card, make sure it’s an eligible debit card.

After each step, try to transfer money again:

1. For 1 to 3 business day transactions, make sure that you added an eligible United States bank account and that you entered the correct account and routing numbers. If you enter the wrong numbers, the transfer might go to the wrong account.
2. Instant transfers require you to use the billing address that matches your selected debit card.
3. Check the limits. The minimum amount that you can transfer to your bank account is $1. If your balance is less than $1, you can transfer your total balance as an exception to the minimum. The maximum amount that you can transfer per transaction is $10,000.
4. Make sure you aren’t using accents when you enter your name.

If you still can’t transfer money to your bank, you might need to verify your identity.

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