Transferring money between different payment platforms has become an essential part of managing personal finances. Many users find themselves wondering how to transfer money from Apple Pay to Cash App, as these two popular services often don’t have a direct transfer option. This process, while not straightforward, is still possible and can be completed with a few extra steps.
TheStimulist.com has written this article to help our readers through the indirect transfer process from Apple Pay to Cash App. It will cover setting up both apps, transferring funds from Apple Pay to a linked bank account, and then moving the money from the bank account to Cash App. The guide will also address common questions, such as how long the transfer takes and whether it’s possible to move funds instantly. By following these steps, users can efficiently manage their digital funds across different payment platforms.
Setting Up Apple Pay and Cash App
Creating an Apple Pay account
To set up Apple Pay, users need to ensure their iPhone or iPad has the latest version of iOS or iPadOS. They can then add an eligible debit card in the Wallet app. For security purposes, users might be asked to verify their identity when using Apple Cash or applying for Apple Card.
To verify identity, users may need to provide:
- Full name
- Social Security number
- Date of birth
- Home address
- Answers to personal history questions
- An image of a valid driver’s license or state ID card
When capturing a driver’s license or state ID, users should:
- Place the card on a dark background
- Capture all four corners of the card
- Ensure nothing obscures the camera’s view of the card
Installing and configuring Cash App
To set up Cash App, users need to download and install the app on their device. Once installed, they can create an account and link it to their bank account or debit card. Cash App can be used to send and receive money with anyone in the UK through their phone number or $Cashtag.
To send a payment using Cash App:
- Open Cash App
- Enter the amount to send
- Tap Pay
- Enter an email address, phone number, or $Cashtag
- Optionally, enter what the payment is for
- Tap Pay
Payments are subject to 3DS2, which prompts users for identity confirmation prior to being sent. This may require verifying information or logging into their bank account’s website directly.
Verifying your identity on both platforms
For Apple Pay, identity verification is required to use all features of Apple Cash. Users may not add or receive $500 or more in total without verifying their identity. They might also be asked to verify their identity prior to this limit. If users enter incorrect information, they can try to verify their identity again. If the option to verify identity is not visible, they should contact Apple Support.
For Cash App, identity verification is also necessary. Green Dot Bank, which partners with Cash App, is required by federal law to verify the identity of its customers. To do this, they request Social Security numbers and other personal information to ensure customers are eligible to use the service.
Information provided during verification is sent to Green Dot Bank and their identity verification service provider. Names and addresses are securely stored by the partner bank and Apple Payments Inc. If requested, Social Security numbers, dates of birth, answers to questions, or copies of government IDs are provided to Green Dot Bank and their identity service provider, and stored by Green Dot Bank as long as required by law.
It’s important to note that for both platforms, users must be at least 18 years old and a resident of the United States to use these services, unless they’re part of Apple Cash Family. For Apple Cash Family, the family organizer needs to verify their identity when setting up the service. Family Sharing group members over 18 years old who take ownership of their Apple Cash account must also verify their identity.
By completing these steps and verifying their identity on both platforms, users can ensure they have full access to the features and services offered by Apple Pay and Cash App, enabling them to transfer money between the two platforms more efficiently.
Indirect Transfer Process Overview
Step-by-Step Guide: Apple Pay to Bank
Accessing the Wallet app
To initiate the transfer process from Apple Pay to a bank account, users need to access the Wallet app on their iPhone. This app serves as the central hub for managing Apple Pay transactions and balances. To begin, they should open the Wallet app and locate their Apple Cash card. This card represents the available balance in their Apple Pay account.
For iPhone users, the process is straightforward:
- Open the Wallet app on the iPhone
- Tap on the Apple Cash card
- Look for the More button (represented by three dots) in the upper right corner of the screen
- Tap on the More button to reveal additional options
For iPad users, the process differs slightly:
- Open the Settings app
- Navigate to Wallet & Apple Pay
- Tap on the Apple Cash card
- Look for the transfer options
It’s important to note that users can also view their transaction history within the Wallet app. They can see a list of their latest transactions by tapping on a card. For a more detailed view, they can tap on a specific transaction to see additional information or report an issue if necessary.
Selecting transfer options
Once users have accessed their Apple Cash card, they have two primary options for transferring money to their bank account:
- ACH Transfer (1-3 Business Days):
- This option is free but takes 1 to 3 business days to complete
- To select this option, tap on “1-3 Business Days” after entering the transfer amount
- Instant Transfer:
- This option transfers funds instantly but incurs a fee
- To select this option, tap on “Instant Transfer” after entering the transfer amount
To proceed with the transfer:
- Tap on “Transfer to Bank”
- Enter the amount to transfer
- Choose between Instant Transfer or ACH (1-3 Business Days)
- Tap “Transfer” to proceed
If users haven’t added a bank account or eligible debit card, they will need to do so before completing the transfer. For Instant Transfers, an eligible Mastercard or Visa debit card is required. If users need to add a new card, they can tap “Add Card” and follow the on-screen instructions.
It’s worth noting that not all prepaid cards work with Apple Cash. It’s generally best to use a debit card attached to a checking or savings account for transfers.
Confirming the transaction
After selecting the transfer option and amount, users need to confirm the transaction:
- Review the transfer details, including the amount and destination account
- For ACH transfers, confirm the transaction using Face ID, Touch ID, or passcode
- For Instant Transfers, select the debit card to transfer funds to and confirm the billing information
Once confirmed, the transfer process will begin. For ACH transfers, funds should arrive in the bank account within 1 to 3 business days. For Instant Transfers, funds should be available in the linked debit card account within 30 minutes.
Users should be aware that they might see a generic daily timestamp in their transaction history if they’ve connected their account to an eligible debit or credit card in the Wallet app. For the most accurate record of transactions, it’s recommended to refer to the credit or debit statement from the bank or card issuer.
It’s important to note that users cannot use an account number and routing number to transfer money directly to Apple Cash. Transfers to Apple Cash require a debit card or prepaid debit card that’s already set up with Apple Pay in the Wallet app.
If users encounter any issues or need to change the destination of their transfer, they have some options:
- They can remove the card used to add money to Apple Wallet, leaving only the desired debit card for the transfer. However, this can be inconvenient as they’ll need to re-add the card later.
- Another workaround is to use different devices (e.g., iPhone and iPad) with different cards set up in Apple Wallet to manage transfers between accounts.
By following these steps, users can successfully transfer money from their Apple Pay balance to their bank account, choosing the method that best suits their needs in terms of speed and cost.
FAQs About How To Transfer Money From Apple Pay To Cash App
Can I send money from Apple Pay to Cash App?
Yes, you can send money from Apple Pay to Cash App, but it requires a few steps. First, you need to transfer the funds from Apple Pay to your bank account. Once the funds are in your bank, you can then transfer them to Cash App. This process is not instant and may take some time depending on your bank’s processing speed.
How to transfer money from Apple Pay?
To transfer money from Apple Pay, you need to open the Wallet app on your iPhone, select your Apple Cash card, and then choose “Transfer to Bank.” After entering the amount and confirming the transaction, the money will be transferred to your linked bank account, from which you can move it to Cash App if needed.
How to turn Apple Pay into cash?
To turn Apple Pay into cash, you first transfer the funds from Apple Pay to your bank account. Once the money is in your bank account, you can withdraw it as cash from an ATM or bank branch. You can also transfer it to another service like Cash App for further use.
How can I send money on Cash App?
To send money on Cash App, open the app and enter the amount you wish to send. Then, select a contact from your phone’s contact list or enter their $Cashtag, email, or phone number. Confirm the details and tap “Pay” to send the money instantly.
How do I put money on my Cash App?
You can put money on your Cash App by linking a bank account or debit card. Once linked, you can transfer funds directly from your bank to your Cash App balance. Alternatively, you can receive payments from other Cash App users, which will automatically add to your balance.
How do I remove funds from my Apple ID?
To remove funds from your Apple ID, you need to spend the balance on apps, music, or other Apple services. If you want to cash out the funds, you need to contact Apple Support, as there’s no direct way to transfer Apple ID funds to a bank account or another service like Cash App.
How do I add Cash App to Apple Pay?
To add Cash App to Apple Pay, open the Cash App and tap on the Cash Card tab. Then, tap on “Add to Apple Pay” and follow the instructions to add your Cash Card to your Apple Wallet. This allows you to use Cash App funds with Apple Pay.
Are Apple Pay and Apple Cash the same?
Apple Pay and Apple Cash are related but not the same. Apple Pay is a digital wallet service that allows you to make payments using your iPhone, iPad, or Apple Watch. Apple Cash, on the other hand, is a digital card that stores money you receive or add, which you can spend using Apple Pay.
How to get free money on Cash App?
While there are no legitimate ways to get free money on Cash App, you can participate in promotions, refer friends to the app, or use cashback offers. Be cautious of scams or offers that promise free money without a clear, legitimate source.
How do I send money to Cash App without Cash App?
You cannot directly send money to Cash App without having the app installed. However, you can send money to someone who has a Cash App account using other payment methods like PayPal or Venmo, and they can then transfer the funds to their Cash App account.
How to use Cash App without card?
You can use Cash App without a card by linking a bank account instead. This allows you to send, receive, and withdraw funds from your Cash App balance without needing a physical debit card.
Can I transfer money from my debit card to Cash App?
Yes, you can transfer money from your debit card to Cash App by linking your card to your Cash App account. Once linked, you can add funds from your debit card to your Cash App balance instantly.
How to send money through Apple Pay?
To send money through Apple Pay, open the Messages app on your iPhone and start a conversation with the person you want to send money to. Tap the Apple Pay icon in the message bar, enter the amount, and confirm the payment using Face ID, Touch ID, or your passcode.
How to cash out on Cash App?
To cash out on Cash App, tap the “Cash Out” button on the Cash App home screen. Choose the amount you want to withdraw and select whether you want the money transferred instantly (for a fee) or within one to three business days (for free).
Why can’t I add paper money to my Cash App?
Currently, Cash App does not support adding physical cash directly to your account. You can only add money via a linked bank account or debit card. You can also receive money from other Cash App users to increase your balance.
Can transfer from Apple Pay to Cash App?
You can transfer money from Apple Pay to Cash App, but it involves transferring the funds to your bank account first and then transferring them to Cash App. Unfortunately, there’s no direct method to transfer money from Apple Pay to Cash App instantly.
How to get cash from Apple Pay?
To get cash from Apple Pay, transfer your Apple Pay balance to your linked bank account and then withdraw the funds from an ATM or bank. This process might take some time depending on your bank’s processing time.
How do I add money to Cash App?
You can add money to Cash App by linking a bank account or debit card and transferring funds from that account. Alternatively, you can receive money from other Cash App users, which will automatically add to your balance.
What is Apple cash vs Apple Pay?
Apple Cash is a digital card that stores money you receive or add, which can be spent using Apple Pay. Apple Pay is a broader service that allows you to make payments using various cards (including Apple Cash) linked to your Apple Wallet.
How to transfer money from Cash App to apple cash without card?
To transfer money from Cash App to Apple Cash without a card, you need to first transfer the funds from Cash App to your bank account. Once in your bank account, you can then transfer the money to your Apple Cash balance using the Wallet app.