Apple Pay and Cash App are among the most widely used digital payment platforms, each offering fast and secure transactions. Many users wonder if they can transfer money directly from Apple Pay to Cash App for quick and easy fund transfers.
However, there is no direct way to send money from Apple Pay to Cash App. Since Apple Pay functions as a digital wallet rather than a traditional bank, you must use an intermediary method to move funds. This guide will explain the available methods, transfer times, fees, and troubleshooting steps.
How Apple Pay and Cash App Work
What Is Apple Pay?
Apple Pay is a digital wallet service by Apple that allows users to make payments via their iPhone, iPad, Mac, or Apple Watch. It securely stores debit cards, credit cards, and bank account details to facilitate cashless transactions in stores, apps, and online.
What Is a Cash App?
Cash App is a peer-to-peer payment service by Block, Inc. It enables users to send and receive money, pay bills, buy Bitcoin, and even invest in stocks. Cash App also offers a Cash Card, a Visa debit card that allows users to spend their Cash App balance like a traditional bank account.
Can You Transfer Money Directly from Apple Pay to Cash App?
No, Apple Pay does not support direct transfers to Cash App. Since Apple Pay acts as a digital wallet, it does not allow fund transfers to external payment services like Cash App.
However, you can still move money from Apple Pay to Cash App using a linked bank account or Cash Card as an intermediary.
How to Transfer Money from Apple Pay to Cash App
Using a Linked Bank Account
Since Apple Pay does not allow direct transfers, you must first send money to a linked bank account and then transfer it to the Cash App.
Transfer Money from Apple Pay to a Bank Account
- Open the Wallet App – On your iPhone, go to the Wallet app.
- Tap on Apple Cash – Select your Apple Cash balance.
- Select ‘Transfer to Bank’ – This option allows you to withdraw money from Apple Pay.
- Enter the Amount – Type in the amount you want to transfer.
- Choose a Transfer Method:
- Instant Transfer (1.5% fee) – Money arrives immediately.
- Standard Transfer (free) – Takes 1-3 business days.
- Confirm with Face ID or Touch ID – Approve the transaction.
Link Your Bank Account to Cash App
If your bank is not already connected to Cash App, follow these steps:
- Open Cash App – Launch the app on your phone.
- Go to the Banking Tab – Tap on the bank icon in the bottom left.
- Select ‘Add Bank’ – Enter your bank account details (account and routing number).
- Confirm and Link – Follow the on-screen instructions to complete the process.
Transfer Money from Your Bank to Cash App
- Open Cash App – Ensure you’re signed in.
- Tap on ‘Add Cash’ – Choose the amount you want to add.
- Select Your Linked Bank – Confirm the correct bank account is selected.
- Approve the Transfer – Use Face ID, Touch ID, or your PIN.
- Wait for Processing – Transfers are usually instant but may take 1-3 business days.
Using a Cash Card
The Cash Card is a Visa debit card provided by Cash App. If you have one, you can add it to Apple Pay and use it as an intermediary.
Add Your Cash Card to Apple Pay
- Open Cash App – Go to the Cash Card section.
- Tap ‘Add to Apple Pay’ – Follow the on-screen instructions.
- Confirm the Linking Process – Your Cash Card is now available in Apple Wallet.
Transfer Money from Apple Pay to Cash Card
- Go to Apple Wallet – Select your Apple Cash balance.
- Tap ‘Transfer to Bank’ – Choose the Cash Card as the recipient.
- Enter the Amount – Type in the desired transfer amount.
- Confirm the Transaction – Approve with Face ID or Touch ID.
Once completed, your Cash App balance will reflect the funds transferred through the Cash Card.
Fees and Transfer Times
| Transfer Method | Fee | Transfer Time |
| Apple Pay to Bank (Standard) | Free | 1-3 business days |
| Apple Pay to Bank (Instant) | 1.5% fee (min $0.25, max $15) | Immediate |
| Bank to Cash App | Free | Instant or up to 3 days |
| Apple Pay to Cash Card | Free | Immediate |
For instant transfers, there is a small 1.5% fee, while standard transfers are free but take longer.
Troubleshooting Common Issues
Apple Pay Transfer Delays
- Ensure your bank account is linked correctly.
- Check for processing delays, as some banks take longer to process transactions.
- Contact Apple Support if the issue persists.
Cash App Not Receiving Funds
- Verify that your bank details in Cash App are correct.
- Wait for the processing time to complete.
- If the transfer is stuck, remove and re-add your bank account in the Cash App.
FAQs
Can I transfer money directly from Apple Pay to the Cash App?
No, Apple Pay does not allow direct transfers to Cash App. You must first transfer the money to a linked bank account or use a Cash Card.
How long does it take to transfer money from Apple Pay to Cash App?
Using Instant Transfer, money moves from Apple Pay to a bank immediately (with a fee). Standard transfers take 1-3 business days. Once the money is in your bank, it can be added to the Cash App instantly or within 3 days.
Are Can I use my Cash App Card with Apple Pay?
Yes, you can add your Cash Card to Apple Pay and use it as a funding source for purchases or transfers.
While Apple Pay does not offer direct transfers to Cash App, you can still move money between the two using a linked bank account or Cash Card. The process involves first transferring money from Apple Pay to a bank and then adding it to the Cash App.
For instant transfers, a small fee applies, but free options are available if you are willing to wait. By following these steps, you can efficiently transfer money without unnecessary delays.