How to transfer money from apple pay to credit card

Detail from Apple's Apple Pay Cash website

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Can you transfer Apple Cash to a bank? Absolutely! We'll show you how.
Why You'll Love This Tip
How to Transfer Apple Cash to Your Bank
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How do I send money from Apple Pay to my credit card?
Can you use Apple Pay to pay credit card?

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Effective immediately, Apple Pay Cash in iOS 12.2 and watchOS 5.2 will not allow sending person to person funded by credit cards, including the forthcoming Apple Card.

Following the announcement of its Apple Card, Apple has now altered its existing Apple Pay Cash service. As of March 25, Apple Pay Cash ceased allowing users to make person to person payments using a credit card, although it still supports ACH bank transfers. Apple has now also added an Instant Transfer option which lets you transfer money from Apple Pay Cash to an eligible debit debit card, but for a 1 percent fee.

Apple says that these changes to Apple Pay Cash are coming with the updates to iOS 12.2 and watchOS 5.2. Apple and Green Dot, the service that Apple uses for Apple Pay Cash, claim that dropping credit card support is to help customers, by avoiding cash advance fees that a bank may pass on to a customer when paying an individual with Apple Pay Cash.

Apple's announcement says that the Apple Pay Cash Instant Transfer service usually works "within minutes of your request, but could take up to 30 minutes." While Apple now charges for transferring money out of Apple Pay Cash and no longer supports credit cards for person to person transfers, it does still support debit cards without charge.

"You can continue to send money for free with Apple Pay, with no fees at all, using your debit card or your Apple Pay Cash balance," the terms clearly say.

Can you transfer Apple Cash to a bank? Absolutely! We'll show you how.

By Amy Spitzfaden–Both Updated 09/21/2022

* This post is part of iPhone Life's Tip of the Day newsletter. Sign Up. *

Wondering how to transfer Apple Pay to the bank? Apple Cash, the Apple Pay peer-to-peer payment service similar to Venmo, is a quick way to send and receive money through your iPhone. Let's look at how to transfer Apple Cash to the bank and get the most out of this easy and efficient feature.

Related: How to Open Apple Wallet from iPhone Lock Screen in 3 Easy Steps

Why You'll Love This Tip

Learn how to transfer money from Apple Cash to a debit card or your bank so you can use the money any time.
Choose instant transfer to make money available within minutes for a small fee.
Opt for transferring to your bank within 1–3 business days for no processing fee.

How to Transfer Apple Cash to Your Bank

Note: To use Apple Cash, you must be at least 18 years of age and a resident of the United States.

For more great Apple product tutorials, check out our Tip of the Day Newsletter. Now, let's walk through how to transfer money from Apple Pay to your bank.

Open the Wallet app or tap the Wallet iconin the Control Center. On your iPhone, you can also easily access the Wallet app from the Lock screen.
Tap your Apple Cash card.
Tap the More icon.
Tap Transfer to Bank.
Enter the amount you would like to transfer, then tap Next.
Select either Instant Transfer, which comes with a small fee, or 1–3 Business Days, which has no fee.
If you haven't yet linked your bank account, enter your routing and account numbers, then confirm by entering them again.
Tap Transfer.
A notification will pop up at the top of your screen to let you know the transfer request was successful.

You now know how to transfer Apple Cash to your bank. If you selected Instant Transfer, you will see the money in your account within thirty minutes. The 1–3 Business Days option will take longer but will show up in one to three business days, as its name suggests. Once you have entered your bank account information once, you won't have to do it again. While you're learning about Apple Pay, did you know that you can also use Apple Pay Cards on your Apple Watch?

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Author Details

Amy Spitzfaden–Both's picture

Amy Spitzfaden Both is a Feature Writer at iPhone Life, an award-winning novelist, and an iPhone enthusiast. Over the past decade, her work in the publishing industry has included live coverage of industry events including the Yale Publishing Course and Magazine Innovation’s ACT 9 Experience, providing editing services for several start-up publishing houses, and acting as newsstand consultant for magazines such as The Old Farmer’s Almanac and The New York Review of Books. She graduated from M.I.U. with a Bachelor’s in Literature and Writing, and has gone on to publish two novels and two short stories. Her debut novel Untold won the 2014 Chelson Award for Fiction.
Writing everything from book reviews to skincare tips, Amy discovered a passion for bringing exciting and useful information to even the most casual researcher. The mix of usability and endless possibilities is what drew her to Apple products originally, and the more she learns, the more she loves.
Amy lives in New Hampshire with her husband and daughter. When she’s not writing or glued to her iPhone, she enjoys hiking, traveling, and creating her own tea blends.

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How do I send money from Apple Pay to my credit card?

On your iPhone or iPad.

Open the Messages app, then start a new conversation or tap an existing one..

Tap the Apple Cash button . If you don't see the Apple Cash button, tap. ... .

Enter the amount that you want to send..

Tap Send, then tap the Send button. ... .

Confirm your payment with Face ID, Touch ID, or your passcode..

Can you use Apple Pay to pay credit card?

Paying with cards at websites Apple Pay can be used to make payments at websites on iPhone, iPad, Apple Watch, and Mac computers with Touch ID. Apple Pay transactions can also start on a Mac and be completed on an Apple Pay–enabled iPhone or Apple Watch using the same iCloud account.