How to send money through Apple Pay: step by step

If you ’ ve got an Apple call, you may not be making full use of all the handy features for digital payments and spend. One great function if you ’ re US based is the option to send payments through Apple Pay¹ and Apple Cash ² .
Apple Pay payments are easily and fast — this scout covers how to send other people money through Apple Pay, including the payment options available from the US. We ’ ll besides look at how you can send money internationally with Apple Pay and a chic digital Wise account, with low fees and the mid-market central rate .

Can you send money to someone else with Apple Pay?

Yes. If you ’ re in the US and have an eligible Apple device, you can send domestic USD payments using Apple Pay and Apple Cash .
Apple Pay payments can only be made to other people within the US at the here and now. however, if you need to send money to person overseas, we have a clean solution, with humble cost external transfers funded through Apple Pay with Wise. More on that later.

What’s the difference between Apple Cash and Apple Pay?

Apple Cash is a digital card you ’ ll find in your iPhone ’ mho Wallet app. You can use Apple Cash to send and receive payments through Wallet or Apple Messages .
Apple Pay on the other hand is the feature which lets you make contactless payments using any balance held in Apple Cash, or with any early requital method acting you ’ ve added to your Apple Wallet .

Sending money to someone else with Apple Pay Cash: step by step

If you ’ ve received money through Messages, or if person has sent you a payment using Apple Wallet, the funds will be added to your Apple Cash wag .
You can besides top up your Apple Cash from any linked payment method, and your cashback will be added to this bill if you have an Apple Card³ .
You can send money to person else with Apple Pay Cash either through the Apple Wallet app, or in Messages⁴ .

To send a payment through messages:

1. Open Messages on your telephone
2. Start a new conversation with the person you want to pay, or tap an existing conversation with them
3. Tap the Apple Cash button which you ’ ll find at the bottom of the blind
4. Enter the measure you want to pay
5. Tap Pay, confirm, and your money is on its way

If you’d rather send money through Apple Pay Cash in the Wallet feature:

1. Open Wallet
2. Select your Apple Cash card which you ’ ll find there
3. Tap Send money
4. Select a recipient role from your contacts, or add a new reach to pay
5. Enter the come you want to pay
6. Tap Pay, confirm, and your money is on its way

Sending money through Apple Pay on iPhone: step by step

Apple ’ mho nonpayment setting will mean that any payment you make in Messages or from Wallet using the steps outlined above will be deducted from your Apple Cash balance in the first gear case .
however, if you ’ d rather not use your Apple Cash balance — or if there isn ’ triiodothyronine adequate money in your Apple Cash to cover the transfer, you can besides pay using any card you hold in your Apple Wallet⁵ .
If you have an Apple Cash libra but don ’ deoxythymidine monophosphate want to use it for your transfer, you ’ ll need to turn off Apple Cash as a requital method acting in your telephone ’ sulfur settings .
once you ’ ve done this — or if you don ’ t have sufficient balance in Apple Cash to cover the transfer you ’ re trying to make — you ’ ll be prompted to select the menu from your wallet you want to use to fund the transplant .
just follow the steps laid out above to make a payment in Messages or through Wallet, and select the card you want to use with Apple Pay when prompted. Easy.

Withdrawing money from Apple Pay: step by step

If you have money on your Apple Cash menu you can withdraw it to your bank account in 1 — 3 working days, or make an instantaneous transfer to an eligible debit card⁶ .
For an clamant transfer to a debit poster from your telephone, you ’ ll necessitate to :
Step 1. Open Wallet and select the Apple Cash card
Step 2. Tap the More release and blue-ribbon Transfer to savings bank
Step 3. Enter the sum you want to withdraw, and choose Instant transfer
Step 4. Add the wag you want to transfer to if it ’ south not already in your wallet
Step 5. Tap Transfer, select the batting order you need, confirm and you ’ re done
If you make an moment transfer, there ’ s a 1.5 % fee, from a minimum of 0.25 % to a utmost of 15 USD per transfer .
If you need to transfer your money to a bank account you can besides do that for no fee, although this may take a little longer to arrive :
Step 1. Open Wallet and select the Apple Cash card
Step 2. Tap the More button and blue-ribbon Transfer to bank
Step 3. Enter the sum you want to withdraw, and blue-ribbon 1 — 3 business days
Step 4. Add a associate depository financial institution history if you don ’ t already have one
Step 5. Tap Transfer, confirm and you ’ re done

Pay for your international transfer using Apple Pay with Wise

Apple Pay and Apple Cash transfers can only be made within the US. If you need to send money on-line to person based oversea, a Wise score could be the ideal solution .
With Wise you can set up your transfer on-line or in app, and make your payment with a first gear fee and the mid-market rate. When it ’ randomness time to pay for your transfer, choice Apple Pay, to send money seamlessly through Apple Pay and Wise, with capital rates and transparent costs every time .
For a tip, you can besides get a Wise international debit circuit board which you can add to Apple Pay for contactless spend with the mid-market rate in 174 countries .
It ’ second dislodge to spend any currency you hold — and if you don ’ t have the one you need, the card mechanically converts to the currency you need, at the best rate whenever you spend .
Get a Wise account
in minutes

Please see Terms of Use for your region or visit Wise Fees & Pricing for the most up-to-date pricing and fee information.

Apple Pay and Apple Cash crack easy ways to make fast payments to friends and syndicate within the US .
All you need is a few basic contact details to get started. Use this guide to learn more about how to send money through Apple Pay, and remember that sending money overseas can be fair deoxyadenosine monophosphate simple if you use wise with Apple Pay .
Send money to 80+ countries with the mid-market central rate and low, diaphanous fees, good from your smartphone.

Sources checked on 09.22.2022
This issue is provided for general information purposes merely and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any legal action on the footing of the content in this publication. The information in this publication does not constitute legal, tax or other master advice from TransferWise Limited or its affiliates. Prior results do not guarantee a alike result. We make no representations, warranties or guarantees, whether express or implied, that the content in the issue is accurate, complete or up to date .

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