How to Transfer Money from Apple Pay to Cash App ?
To transfer money from Apple Pay to Cash App, first move the funds to a linked bank account or debit card. Then, open Cash App and use the same bank or card to add the money to your Cash App balance. There is no direct transfer option between the two apps.
Moving money from one app to another seems easy. But you might run into a problem.
Apple Pay and Cash App do not let you send money to each other directly. That’s right. Even though both are popular digital wallets, there is no easy way to transfer money between them. But don’t worry — we’ve got you covered with real, workable methods to move your money.
This guide breaks it all down in a simple, user-friendly way. We’ll explain why you can’t transfer money directly, what you need to do instead, and how to get it done in minutes.
Best Methods for How to Transfer Money from Apple Pay to Cash App
If you’re wondering how to transfer money from Apple Pay to Cash App quickly, using a linked debit card may be your best option.
Apple Pay (or Apple Cash) and Cash App are both digital wallets — but they operate on different systems. Think of them like different languages. While they can both connect to bank accounts and cards, they don’t talk to each other directly. You’ll need a bridge — either a bank account or a debit card — to move your funds across.
What You’ll Need Before You Start
Before transferring any money, here’s what you should have ready:
- A working Apple Pay account with available balance.
- A Cash App account.
- A linked bank account or debit card (Visa or Mastercard) that connects to both Apple Pay and Cash App.
- The latest version of iOS and both apps updated.
Best Methods for How to Transfer Money from Apple Pay to Cash App
Method 1: Use a Bank Account as a Bridge (No Fee Option)
If you don’t mind waiting a couple of days, this is your best bet. Here’s how to do it.
Step 1: Move Money from Apple Pay to Your Bank Account
- Open the Wallet app on your iPhone.
- Tap your Apple Cash card.
- Hit the More button and select Transfer to Bank.
- Enter the amount you want to send.
- Choose 1–3 Business Days for a free transfer or Instant Transfer (with a fee).
- Confirm with Face ID, Touch ID, or your passcode.
If you’re not in a rush, this method offers a no-fee solution for how to transfer money from Apple Pay to Cash App — just keep in mind that it can take up to three business days unless you choose the instant option.
Step 2: Add That Money to Cash App
- Open Cash App.
- Tap the Money tab (looks like a bank icon).
- Tap Add Cash.
- Enter the same amount you just transferred from Apple Pay.
- Confirm using your PIN or fingerprint.
The money will now be available in your Cash App balance.
Method 2: Use a Debit Card for Faster Transfers (But May Cost You)
This option gets your money to Cash App faster — often within minutes — but comes with a small fee.
Step 1: Send Money from Apple Pay to a Debit Card
- Open the Wallet app.
- Tap your Apple Cash card.
- Select Transfer to Bank.
- Enter your amount and choose Instant Transfer.
- Pick your Visa or Mastercard debit card (must already be linked).
- Confirm the transfer.
Apple charges 1.5% for instant transfers, with a minimum of $0.25 and a maximum of $15.
Step 2: Add That Debit Card to Cash App
- Open Cash App.
- Tap your profile or go to Settings.
- Select Linked Banks or Add Bank.
- Choose Link Debit Card.
- Enter the same card details you used in Apple Pay.
Now, when you hit Add Cash, you can pull the money straight from that card.
Got a Cash App Card? Here’s What You Can (and Can’t) Do
If you have a Cash App Card, you can add it to Apple Pay. It’s a neat way to use your Cash App funds in stores that accept Apple Pay. But there’s a catch: this doesn’t let you move money between balances.
Adding the Cash App Card to your Apple Wallet makes shopping easier, not transferring funds.
You can read more about how this card works on Cash App’s official site.
Apple Pay to Cash App Transfer Summary
| Step | Apple Pay → Bank/Debit | Bank/Debit → Cash App |
|---|---|---|
| Free Transfer | 1–3 business days | Instant |
| Instant Transfer | Up to 30 mins (1.5% fee) | Instant |
| Needs Bank/Debit? | Yes | Yes |
| Direct App Transfer | No | No |
Important Things to Know
Transfer Speeds
- Free transfers can take up to 3 days.
- Instant transfers are usually completed in less than 30 minutes.
Fees to Expect
- Free for standard transfers to a bank.
- 1.5% fee for instant transfers (min $0.25, max $15).
Limits
- Apple Cash lets you send up to $10,000 per transfer, and $20,000 per week.
Verification May Be Needed
- For larger transfers, both apps might ask you to verify your identity.
Use Updated Apps
- Using outdated versions can lead to bugs or errors. Always keep your apps current.
Can You Transfer Money Without a Bank or Card?
Unfortunately, no. You need a bank account or a valid debit card to make this work, according to Boss Revolution. There’s no wallet-to-wallet option.
Many people want a simple way to transfer money. However, to move money from Apple Pay to Cash App, you still need a linked account or card. There is no way to avoid this step.
Even Reddit users confirm on this thread that you can’t skip the middle step.
Tips for a Smoother Transfer Experience
- Use the same debit card on both apps for quicker transfers.
- Check your Apple ID and Cash App account details to avoid mismatches.
- For large transfers, choose the 1–3 day option to save on fees.
- Keep an eye on your notifications in case either app asks for extra info.
Want a Visual Walkthrough?
There’s a great YouTube guide that shows every step in action. Watch it here.
Final Thoughts
While you can’t press a button and send money straight from Apple Pay to Cash App, it’s still very doable. The trick is using your bank account or debit card as a middleman.
Stick to the method that works best for your needs — whether it’s free but slower, or fast but with a small fee. Either way, your money will land safely where it needs to go.
Want more details from Apple itself? Check their support article for the most up-to-date info.
| Step | Details | Speed | Fees | Requirements |
|---|---|---|---|---|
| Apple Pay → Bank Account | Use “Transfer to Bank” in Apple Wallet | 1–3 business days | Free | Linked bank account |
| Apple Pay → Debit Card | Choose Instant Transfer option | <30 minutes | 1.5% (min $0.25, max $15) | Visa/Mastercard debit card |
| Bank Account → Cash App | Tap “Add Cash” from bank | Instant | Free | Same bank account linked to Cash App |
| Debit Card → Cash App | Add same card used in Apple Pay | Instant | Free | Card must be linked to both apps |
| Direct Transfer (Apple Pay ↔ Cash App) | Not supported | N/A | N/A | Not possible without middle step |
