How to transfer money from Apple Pay to Cash App instantly

International money transfer

In this highly digitalized era, everything happens with a single tap. The same is true for making payments. Whether buying fruits and vegetables from a local vendor or splitting bills with friends over brunch, e-payments have made life easier for everyone. Apple Pay and the Cash App are among the most commonly used e-wallets, offering a seamless, secure, and contactless payment method. However, not everyone uses the same e-wallets as you, and you might need to link the platform.

Now, the question arises of how to transfer money from Apple Pay to Cash App and vice versa. Unfortunately, there are no built-in or direct ways to do so. This blog covers the workarounds that allow you to instantly transfer money from Apple Pay to the Cash App using cards and link bank accounts.

Can you transfer money from Apple Pay to Cash App?

Despite Apple Pay and Cash App's popularity, you cannot transfer money from one wallet to another due to their operating systems and security protocols.

However, alternative ways can help you circumvent this and get the job done. An easy way to transfer money is to link your bank account with either Apple Pay or the Cash App. This allows you to move funds from your Cash App to your bank account and then to Apple Pay or vice versa.

How to link Apple Pay to Cash App?

To transfer money between Apple Pay and the Cash App, you can link a card connected to your Apple Pay account to the Cash App. Cash App supports Visa and Mastercard.¹

Here is how to do it:

Step 1: Open your Cash App account and click on your profile/account & settings.

Step 2: Next, click on “Linked banks,” followed by “Link debit card.”

Step 3: Enter details of the card linked to your Apple Pay.

With these steps, you can successfully link Cash App to Apple Pay.

How to transfer money from Apple Pay to Cash App using a linked bank account?

Though there is no direct way to transfer money between Apple Pay and Cash App, you can still add money to Cash App from Apple Pay with some extra steps. Here's how you can do it:
Step 1: Transfer money from Apple Pay to your linked bank account.

Access Cash App and click on the dollar amount/bank icon located on the bottom of your screen.
Click on your Cash balance and select Account and routing. If you haven't already set up your Cash App bank account, follow the prompts to verify your identity and set one up. If you already have this set up, retrieve your routing number and account number.
Next, open the Wallet app on your iPhone and select Apple Cash. Click on the three dots on the top right corner of the screen.
Next, click on Bank Account followed by Add Bank Account. Enter routing and account number linked to your Cash app. Once the bank account has been added, go back to the main screen and click Transfer to Bank.
Choose Instant transfer with a 1.5% fee or 1-3 business days with no additional charges.
Note: There is a limit of up to $10,000/transfer and up to $20,000 within seven-days.²
Confirm the transfer using Face ID, Touch ID, or your passcode.
Wait for the funds to transfer. Depending on your transfer option, the process might take 1-3 business days.

Step 2: Once the transfer is complete, you can move it to the Cash App:

Open the Cash App and tap the Banking tab.
Select "Add Cash."

Enter the amount to transfer, then tap "Add."

Confirm using Touch ID or your PIN.
Wait for the funds to transfer.

How to transfer money from Apple Pay to Cash App using a debit card?

Alternatively, you can use a debit card to transfer funds between Apple Pay and the Cash App. With this option, you can send money instantaneously without going through the hassle of a bank transfer. Here's how to do it:

Step 1: Link a Debit Card to Apple Pay

Open the Wallet app on your iPhone.
Press the "+" button to include another card.
Select Credit or Debit Card as the payment method.

Scan your card or enter the card details manually.

Once you’re done setting up your debit card, go back to Apple Cash in your wallet and click on the three dots on the corner right of your screen.

Next, tap on Transfer to Bank and enter the amount you wish to transfer to your debit card.

After confirming your card, the funds will be transferred instantly, but you will be charged a small fee.

Step 2: Setting up the debit card on Cash App

Launch the Cash App, then choose ‘Settings’.

Pick ‘Linked banks’, followed by ‘Link debit card’.

Add in details of the same debit card that you choose to use on Apple Pay.
Once added, you can use this card for quick transfers between the two apps.

To guarantee a seamless and expedient operation, use a debit card with quick transfer capabilities. This workaround makes sending money simpler and takes less time.

Instant transfer options for faster fund transfers

Waiting for a transfer can be a major hassle when you need to access your money quickly. Below are two paid options for expedited transfer:

Instant Transfer with Apple Pay:
With Apple Pay's Instant Transfer, you can swiftly transfer funds to a connected debit card. This feature is useful when you need immediate access to your cash without waiting for the usual one to three business days. The cost for this is typically 1% of the total transfer amount, ranging from $0.25 to $10.²

Instant Deposit with Cash App:
You can use Cash App's Instant Deposit feature to transfer money from a debit card directly into your Cash App account. The funds will be available immediately for a slightly higher fee of 1.5%.³

While these services offer fast transfer, customers should know the associated costs.

Difference between Apple Pay and Cash App

Apple Pay and Cash App are digital payment options with advantages and disadvantages.

Here's a comparison to help you understand their capabilities.

Features

Apple Pay is a digital wallet for iOS users. It allows for easy payments using iPhones, iPads, and Apple Watches. It simplifies the management of credit, debit, and loyalty cards, emphasizing in-app, online, and in-store transactions. Apple Pay is integrated into the iOS system, guaranteeing a seamless user experience for everyone inside the Apple ecosystem.

In contrast, Cash App offers much more than simply a way to send money. It facilitates monetary transactions, bill payments, and investments in stocks and Bitcoin. Cash App is more than a payment platform; it's a multipurpose financial tool that helps customers manage and boost their money.

Reliability and safety

Apple Pay stands out in terms of security due to its impressive features, such as Face ID, Touch ID, and tokenization. Apple's strong commitment to privacy guarantees the safety of transactions and user data.

Unlike Apple Pay, Cash App does not have biometric authentication. However, with its fraud detection and encryption features, Cash App prioritizes security. Its availability on iOS and Android makes it more accessible to more people.

Location and scope

Apple Pay is only compatible with iOS devices, so non-iOS users cannot use it. This can hinder those who utilize many platforms or prefer Android smartphones.

Cash App works on iOS and Android, so it's more versatile and available to more people. Since it is available on other platforms, Cash App may reach people even if they aren't part of the Apple ecosystem.

Features	Apple Pay	Cash Pay
Primary function	Digital wallet for iOS users	Transfer, investment, and Bitcoin trading
Platform availability	iOS (iPhone, iPad, iWatch, Mac)	iOS and Android
Security features	Face ID, Touch ID & Encryption	PIN protection, two-factor authentication
Payment methods	Debit, credit cards, Apple Cash	Bank accounts, debit, credit cards, Bitcoins
Investment options	Not available	Buy/sell stocks, invest in Bitcoins
Geography	Available in 60 countries	Primary in U.S and U.K
Instant transfer	Yes with fee	Yes with fee

Common issues and how to solve them

In order to understand how to move money from Apple Pay to Cash App, you must also comprehend the challenges it presents. Here's a comprehensive guide on common issues you might encounter and how to solve them.

Card verification issues

Problem: Your card isn't being accepted or verified by Apple Pay or Cash App.

Solutions:

Verify details: Ensure the card information—number, expiration date, and CVV—is entered correctly. Even a small mistake can lead to verification failure.
Check compatibility: Make sure your card is a Visa or Mastercard, as these are generally supported by both platforms.
Contact your bank: Sometimes, banks impose restrictions or flag some transactions as suspicious. Contact your bank to confirm there are no blocks on your card.
Update apps: Ensure Cash App and Apple Pay are updated to the latest versions to avoid software-related issues that might prevent card verification.

Transaction delays

Problem: Transfer delays that cause frustration and uncertainty.

Solutions:

Stable internet connection: Ensure you have a stable internet connection. Poor connectivity can delay processing.
Check notifications: Look for any alerts or notifications within the apps that might indicate why a delay is occurring. Sometimes, additional verification steps are needed.
Review transaction status: Check the status of your transaction in both Apple Pay and Cash App. It might be pending or processing, which can take some time.
Contact support: If delays persist, contacting customer support for either Apple Pay or Cash App can help resolve issues. They can provide insights into any problems with your account or the transaction.

Transfer limits

Problem: Transfer limits can prevent you from sending larger sums of money.

Solutions:

Apple Pay limits: Apple Pay may have limits set by your bank. Check with your bank to understand any daily or monthly caps on transactions.
Cash App limits: Cash App has its own limits for sending and receiving money. To increase these limits, verify your identity within the application by providing your name, date of birth (DOB), and the last four digits of your Social Security Number.¹
Regular monitoring: Review your transaction limits in both apps regularly, especially if you frequently transfer large amounts. This will help you plan and avoid unexpected rejections.

By understanding these common issues and their solutions, you can transfer money from Apple Pay to Cash App more effectively. This will ensure smoother transactions and reduce the likelihood of encountering problems.

Apple Pay to Cash App FAQs

Can I send money directly from Apple Pay to Cash App?

Unfortunately, the Cash App does not support direct transfers from Apple Pay. They cannot immediately add money to Cash App to Apple Pay since they are digital wallets rather than bank accounts. The good news is that there are ways around this, such as transferring your Cash App balance to an Apple Pay card.

Are there any fees for transferring money between Apple Pay and Cash App?

In most cases, a fee will be associated with transferring money directly between Apple Pay and Cash App. This is due to the fact that the two platforms are separate, so you will need to move money from your Apple Pay balance to your bank account before you can move it to Cash App. The exact fee will depend on your bank and your transfer method.

How long does it take to transfer money from Apple Pay to Cash App?

Transferring funds between Apple Pay and Cash App may take up to six business days or sooner.
If you send money using Apple Pay, it may be reflected in your bank account immediately or within 1-3 business days. However, the funds from your bank account may not appear in the Cash App for an additional 3 business days.

Is it safe to link Apple Pay to Cash App?

Since Apple Pay and Cash App have strong security measures, such as two-factor authentication and encryption, linking your Apple Pay accounts should be safe. However, you should be wary of scams and only link your Apple Pay accounts to trusted apps like Cash App.

Conclusion

Apple Pay and Cash App do not yet have a direct cash transfer method; however, some workarounds allow instantaneous transfers, such as linking a bank account or debit card. Whether you're using a debit card or a bank transfer, the above methods will help you finish the transfer quickly and easily. The next time you ask yourself, "Can you Apple Pay to Cash App?" keep in mind that it is possible—just not with a single click—if the proper conditions are met. These solutions provide a dependable approach to guarantee that your payments reach their intended destination.

Sources: all third party information obtained from applicable website as of September 30, 2024

https://cash.app/help/3122-increase-limits
https://support.apple.com/en-us/120401
https://cash.app/help/3073-withdrawal-transfer-speed-options

This article is provided for general information purposes only and is not intended to address every aspect of the matters discussed herein. The information in this article is not intended as specific personal advice. The information in this article does not constitute legal, tax, regulatory or other professional advice from IDT Payment Services, Inc. and its affiliates (collectively, “IDT”), and should not be taken or used as such by any individual. IDT makes no representation, warranty or guaranty, whether express or implied, that the content in this article is current, accurate, or complete. You should obtain professional or other substantive advice before taking, or refraining from, any action on the basis of the information in this article.