This post may contain affiliate links. Which means we may earn a commission if you decide to make a purchase through our links. Please read our disclosure for more info. You want to pay using Cash App, but it’s empty at the moment, plus
most of your money’s in Apple Cash. Perhaps you even tried sending money straight to your Cash App account using Apple Pay. If so, chances are you weren’t successful since there’s no direct transfer option between these two payment platforms. Don’t worry if Cash App declined your Apple Pay transfer before. Although you can’t transfer funds directly from Apple Wallet to Cash App—and vice versa—you can use an eligible debit card to serve as an intermediary. However, note
that not every linked card offers seamless transfers. Both Apple Pay Cash and Cash App have stringent transfer limits, so you might have trouble sending funds through specific bank accounts. If you don’t want to waste your time on failed transfers, keep reading. We reviewed dozens of tips and tricks on transferring funds between Apple Pay and Cash App to give you a comprehensive, easy-to-follow guide. That way, you can fund your Cash App account quickly without wasting money on
transfer fees. Stick with us until the end! Otherwise, you’ll waste your time and money on failed transactions, rejected funds, and, of course, transaction fees. Let’s dive into seamlessly transferring funds between Apple Pay and Cash App! In this article
Before getting into the step-by-step process of how to send money through Apple Pay and Cash App, we want to give you some background info on these platforms. Apple PayApple Pay ranks among the most widely used mobile payment and wallet services on the market. 45.5% of mobile wallet users have Apple Pay set up on their phones. The NFC technology enables iPhone users to pay merchants in-person or online from their smartphones. Just hold your phone against the terminal, and you’re good to go. Also, Apple Pay doesn’t even need any internet connection to work. It transfers data via NFC chips, so your payment will push through as long as you have a working POS terminal. As for the funds, just connect your Apple Pay wallet to any commercial bank-issued debit and credit card, or you can request an Apple Cash card. Apple Pay will either charge your linked card or wallet. Pros
Cons
Cash AppCash App is another widely known mobile payment and wallet service. Yes, the platform is less accepted and used than Apple Pay, but it still boasts a massive database of 36 million active users. Like the Apple Pay app, Cash App allows you to pay using only your smartphone. You can either use the platform’s built-in wallet or connect it to a funded debit or credit card. Cash App’s most notable advantage over the Apple Pay app is its more open platform. Apart from paying online and in-person transactions, you can also use it to buy and sell cryptocurrencies, stocks, and forex. Pros
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How to Transfer Money From Your Apple Pay to a Cash App AccountFollow this straightforward step-by-step guide on moving money from your Apple Pay wallet to your Cash App account.
Note: For this transfer to work, you’ll need a working Cash App Cash Card. Request one if you don’t have it yet. The Time it Takes to Transfer Money From Apple Pay to Cash AppYou have two options when transferring money from your Apple Pay wallet to your Cash App account: Regular TransferYou can make multiple regular transfers for free as long as you don’t go over your transaction limits. However, each transaction will take 1 to 3 days. Instant TransferYou’ll receive your money in real-time, whether you’re sending money to a bank-issued debit card or your Cash App Cash Card. The longest you’ll wait is 30 minutes. However, Apple Pay charges 1% on every instant transfer you make. Apple Pay Transfer LimitsNote that you can only move $20,000 every week, and you can’t send more than $10,000 in one transfer. Your Apple Pay wallet limit refreshes after seven calendar days. However, note that Apple Pay monitors users that frequently max out their accounts. Apple might freeze your funds and lock your account if it suspects you of illegal activities (i.e., money laundering). Alternative Ways to Transfer Money to a Cash App AccountIf you don’t have a Cash App Cash Card yet, you can use a regular debit card to transfer money from your Apple Pay. However, note that you’ll perform two transactions. As such, you might end up paying significantly more in transaction fees, Nevertheless, if you’d rather use your bank-issued debit card than a Cash App Cash Card, follow these steps:
Adding Cash App Card to Apple PayNow that you can send money from your Apple Pay wallet to your Cash App account, you can use Cash App whenever Apple Pay’s unavailable. However, let’s reverse the situation. Let’s say the merchant only accepts Apple Pay, but your funds are in your Cash App Cash Card. What do you do? Unfortunately, you can’t transfer money from your Cash App account to your Apple Pay wallet. Unlike Cash App, Apple Pay Cash serves as a mobile wallet that you can link to debit and credit cards. It’s not a bank account. In these instances, you can just pay with your Apple Pay app. Even if your wallet’s empty, you can still use it if it’s connected to your funded Cash App Cash Card—or any working debit/credit card. Moreover, linking your Cash App Cash Card to Apple Pay only takes a couple of minutes.
Transfer Money to and From Mobile Wallets in Real-Time for FreeOverall, you can only transfer funds between Apple Pay and Cash App if you have an eligible debit card. Otherwise, you’ll have to use your linked credit cards to pay. Again, you can try any other bank account if you don’t have a Cash App Cash Card. But expect the transactions to take a bit longer—even with instant transfer—since your money will pass through another entity. If you want our advice, get a Cash App Cash Card. You’ll save thousands on transfer fees over time and hasten the transfer process, plus you can order your card straight from Cash App. Aidan has been writing about personal finance for over 6 years. Prior to this, he worked as a Corporate Finance Analyst where he specialized in Due Diligence, Company Valuations and more. He is a CFA charterholder. Can you send Cash App to Apple Pay?Tap the Cash Card tab on your Cash App home screen. Tap the image of your Cash Card. Select Add to Apple Pay. Follow the steps.
How do I add money to Apple Pay with Cash App?Add money to Apple Cash. iPhone: Open the Wallet app, tap your Apple Cash card, tap the More button. , then tap Add Money.. iPad: Open the Settings app, tap Wallet & Apple Pay, tap your Apple Cash card, then tap Add Money.. Apple Watch: Open the Wallet app, tap your Apple Cash card, tap Card Balance, then tap Add Money.. How do I add money to Apple Pay without my card?Go to Settings > Wallet & Apple Pay, then tap Apple Cash under the Cards header. Tap Add Money, enter the amount you wish to deposit (the minimum amount is $10), then tap Add. Authenticate the transfer with Face ID, Touch ID, or your passcode, and you'll see the amount listed as your Apple Cash balance.
How do you withdraw money from Cash App without card?Here are the basic steps to get money off Cash App even without a card. Open the Cash App either on your iPhone or Android. Tap the My Cash/Cash Balance or $ tab to go to your Cash Balance and tap Cash Out. When the menu tab appears, input the amount you want to send and tap the Cash Out option.
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