Apple Cash - Apple

Send and Receive Money in Messages or Wallet

With Apple Cash, you can send and receive money with just a text message. In a few taps, you can tip your dog walker, request rent from your roommate, or chip in for a coworker’s gift. You can also send and receive money directly in the Wallet app — even see a select list of people with whom you’ve exchanged money in the past. It’s easy either way.

See how to send money

Works with Apple Pay

Apple Cash uses Apple Pay to make shopping fast, safe, private, and easy. Since Apple Pay is accepted by over 85 percent of retailers in the U.S., there’s almost no end to where and how you can shop with your Apple Cash card — whether you’re in a store, online, or in an app. It’s your money, made modern.

Learn more about Apple Pay

Apple Cash Family

With Apple Cash Family, you can set up Apple Cash for anyone in your family under 18. Easily and securely send money for allowance, shopping, or just because. The funds go right to their own Apple Cash card in Wallet, ready to spend with Apple Pay. Or they can transfer the money to their bank account to save for the future. You can view your child’s balance and activity at any time. You can apply certain restrictions to their account. It’s the perfect amount of financial freedom for a child — with built-in protections for your peace of mind.

Advanced Security

Apple Cash is more secure than a traditional debit card. For starters, it uses Face ID or Touch ID to authenticate your transactions — to make sure you’re, well, you. Your account number is never visible, so you don’t have to worry about theft. And there’s no physical card to lose when you’re out and about. It’s peace of mind on multiple levels.

Daily Cash

Every purchase you make with your Apple Card gets you up to 3% back in Daily Cash. ² How you use your Daily Cash is up to you. It can go directly onto your Apple Cash card, ready to spend however and whenever you like. ³ Or you can choose to automatically deposit it into a high-yield Savings account where it can earn interest over time. ⁴ You can even add funds from your Apple Cash card and other bank accounts to build your savings more quickly. ⁵

Learn more about Savings

Bank Transfers

It's easy to load money onto your Apple Cash card from your debit card, so you’re always ready to spend and send. And you can just as simply move money from your Apple Cash card to your bank account. Either way, Apple Cash gives you options you can bank on.

Learn more about money transfers Apple Cash is a digital card that lives in Wallet. It’s an easy way to send and receive money from Messages or from Wallet. And because it’s a digital card, your Apple Cash can be spent in stores, online, and in apps with Apple Pay. You can view your Apple Cash balance on your Apple Cash card in the Wallet app or in Settings > Wallet and Apple Pay. You can also set up Apple Cash for family members under 18 years old, so you can safely send them money they can spend with their own Apple Cash card. You can use Apple Cash to make purchases just as you would with physical cards and cash. It works anywhere Apple Pay is accepted — in stores, online, and in apps. You can also transfer your Apple Cash to your bank account. If you have an Apple Card and choose to automatically save your Daily Cash in a Savings account, you can use Apple Cash to move money in and out. ⁴ Yes. With Apple Cash Family, you can set up Apple Cash for members in your Family Sharing group who are under age 18. Once it’s set up, they can send, spend, and receive money using Apple Cash. You can receive notifications when they make a transaction, limit the people they can send money to, and even lock their account.

Apple Cash is a digital card in Wallet that lets you send and receive money in Messages or Wallet. The money you receive appears on your Apple Cash card in Wallet. You can spend it however you like in stores, online, and in apps with Apple Pay.

Apple Pay enables you to make secure, contactless purchases using Apple Cash, Apple Card, and any other credit and debit cards that you add to Wallet.

You can easily transfer money to your Apple Cash card once you’ve added a debit card to Wallet. Any money you receive in Messages or Wallet is automatically added to your Apple Cash balance. If you’re under 18, money is added to your Apple Cash card only when someone sends you money. If you use Apple Card, your Daily Cash back is also deposited to your Apple Cash card, except if you do not have an Apple Cash card set-up yet, in which case you can only apply your Daily Cash as a credit on your statement balance.

All your credit and debit cards,
transit cards, boarding passes,
and more. All in one place.

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The credit card reimagined —
with no fees, ⁶ unlimited Daily Cash

back, and helpful financial tools.

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Apple Cash services are provided by Green Dot Bank, Member FDIC. Learn more about the Terms and Conditions . Only available in the U.S. on eligible devices. To send and receive money with an Apple Cash account, you must be 18 and a U.S. resident. If you’re under 18, your family organizer can set up Apple Cash for you as part of their Apple Cash Family account. Security checks may require more time to make funds available. Apple Cash Family accounts can send or receive up to $2000 per transaction or within a seven-day period. Sending money from Wallet requires iOS 15.5 or later.

Subject to credit approval.

You can choose to direct Daily Cash to a Savings account or to an Apple Cash card. If you do not have either set up to receive your Daily Cash, it can be applied as statement credit. Apple Card and Savings accounts are issued or provided by Goldman Sachs Bank USA, Salt Lake City Branch, Member FDIC. The Apple Cash card is issued by Green Dot Bank, Member FDIC. Daily Cash is earned on purchases after the transaction posts to your account. Actual posting times vary by merchant. Daily Cash is subject to exclusions, and additional details apply. See the Apple Card Customer Agreement for more information.

To access Savings, Apple Card Owners and Co‑Owners must open a Savings account. Savings accounts are provided by Goldman Sachs Bank USA, Salt Lake City Branch. Member FDIC. Apple Card Owners and Co‑Owners may individually apply for a Savings account and are subject to eligibility requirements. By opening a Savings account, Apple Card Owners and Co‑Owners are affirmatively electing to have all future Daily Cash automatically deposited into their respective Savings account. Daily Cash may not be divided between Apple Cash Card and Savings accounts. Owners and Co-Owners may individually change where their Daily Cash is deposited at any time. Savings accounts are not available in American Samoa, Guam, Northern Mariana Islands, or US Minor Outlying Islands. To set up Savings, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS.

Transfer limits apply to Savings transfers to and from Apple Cash. See the Deposit Account Agreement for more information regarding transfer limits.

Variable APRs for Apple Card other than ACMI range from 15.74% to 26.74% based on creditworthiness. Rates as of April 1, 2023.

To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.

Features are subject to change. Some features, applications, and services may not be available in all regions or all languages.

Some features require specific hardware and software. For more information, see Feature Availability .