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How to Add Cash to Apple Pay

Apple Pay, Apple’s proprietary digital payment system, has become increasingly popular as the world moves towards cashless transactions. One of the standout features of this payment system is its ease of use and security. While many use it for online and in-store transactions, some may be wondering, “How do I add cash to Apple Pay?” This article delves into the step-by-step process to help you do just that.

1. Understanding Apple Pay Cash Card

Before we dive into the process, it’s essential to understand the Apple Pay Cash Card. This virtual card allows users to store and send money via iMessage or make purchases in stores, apps, and on the web. The card is a digital equivalent of a debit card that can be loaded with cash.

2. Setting Up Apple Pay Cash Card

To use the cash card feature, you first need to set it up:

  • Ensure your device has the latest iOS, iPadOS, or watchOS version.
  • Navigate to Wallet & Apple Pay settings and toggle on Apple Cash.
  • Follow the onscreen instructions to set it up.

3. Adding Cash to Your Apple Pay Cash Card

From a Debit Card:

  • Open the Wallet app on your iPhone.
  • Tap on your Apple Pay Cash Card.
  • Choose the “Add Money” option.
  • Enter the desired amount and tap “Add.”
  • Use Face ID, Touch ID, or your passcode to confirm.

From a Bank Account:

For users who prefer to transfer money from their bank accounts:

  • Open the Settings app.
  • Navigate to Wallet & Apple Pay.
  • Tap on the Apple Cash card.
  • Select the “Transfer to Bank” option.
  • Enter the desired amount and tap “Next.”
  • Use Face ID, Touch ID, or your passcode to confirm.

4. Using Apple Pay With Cash

Once you’ve loaded money onto your Apple Pay Cash Card, you can:

  • Send money to friends and family through iMessage.
  • Make purchases in stores using Apple Pay.
  • Shop online or in apps.

5. A Few Things to Keep in Mind

  • There may be a minimum and maximum limit when adding cash to your card.
  • Ensure your bank supports Apple Pay to transfer money seamlessly.
  • While adding money from a debit card or bank account is usually instant, sometimes it may take up to 1-3 business days for the transfer to complete, especially for larger amounts.


Q: Is there a fee for adding money to Apple Pay? A: Adding money from a debit card or bank account to Apple Pay is typically free. However, always check with your bank for any associated fees.

Q: What if my transfer to Apple Pay fails? A: If a transfer fails, check your internet connection, ensure your bank details are accurate, and that your bank supports Apple Pay. If the problem persists, contact Apple Support.

Q: Can I remove money from my Apple Pay Cash Card? A: Yes, you can transfer money from your Apple Pay Cash Card back to your bank account. Navigate to the Wallet app, tap on your Apple Pay Cash Card, choose the “Transfer to Bank” option, and follow the onscreen instructions.

Q: How secure is Apple Pay? A: Apple Pay uses several layers of security, including tokenization, to ensure user data remains private and secure. Each transaction requires authentication through Face ID, Touch ID, or a passcode.

In Conclusion

Adding cash to Apple Pay is a simple process that provides a safe, efficient, and convenient way to manage your finances digitally. Whether you’re splitting a dinner bill with friends or shopping at your favorite store, Apple Pay with its cash card feature offers the versatility to handle all your financial needs.