What is Apple Cash, how does it work, and how do you set it up?

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(Pocket-lint) - Apple Cash is portion of Apple Pay but it lives successful Apple's Messages app, offering a mode to send, person and petition wealth person-to-person.

All the wealth you person via Apple Cash is loaded onto a virtual paper that exists wrong Wallet - Apple's app for storing recognition cards, debit cards, loyalty cards, boarding passes, tickets, and more.

This is everything you request to cognize astir Apple Cash - antecedently called Apple Pay Cash - including however it works, wherever it is disposable and however to acceptable it up.

How does Apple Cash work?

Apple Cash allows you to send, person and petition wealth successful the Messages app. It's besides imaginable to inquire Siri to wage idiosyncratic successful your contacts. When you nonstop money, your Apple Cash paper volition beryllium utilized by default, but you tin alteration this to usage your debit paper instead, oregon a operation of some if the magnitude is much than the equilibrium connected your Apple Cash card. If you nonstop wealth to idiosyncratic and they don't judge it, you tin cancel the payment.

When you person wealth done Apple Cash, it is automatically loaded onto your Apple Cash paper successful Wallet, which you tin past transportation to your slope account, usage arsenic immoderate different paper erstwhile making Apple Pay purchases, oregon usage to wage idiosyncratic done Apple Cash.

The archetypal clip you usage Apple Cash, you volition person 7 days to judge the wealth you person been sent. Once you person accepted the presumption and conditions, payments are automatically accepted - though you tin alteration this to beryllium manual.

Below is simply a breakdown of however to nonstop wealth done Apple Cash, petition wealth done Apple Cash, respond to an Apple Cash petition and however to cancel an Apple Cash payment. 

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How to nonstop wealth done Apple Cash

As mentioned above, erstwhile you nonstop wealth utilizing Apple Cash, the Apple Cash paper is utilized to wage archetypal by default, though you tin alteration this to beryllium your debit paper if you wish. If you don't person capable wealth connected your Apple Cash card, 1 of the debit cards successful Wallet volition money the remainder of the payment.

To nonstop wealth done Apple Cash connected your iPhone oregon iPad, travel these steps: 

  1. Open the Messages app
  2. Start a caller speech oregon unfastened an exisitng 1 with the idiosyncratic you privation to nonstop wealth to
  3. Tap connected the Apple Pay logo successful the app drawer beneath the input container - you whitethorn request to swipe across
  4. Enter the magnitude you privation to pay
  5. Tap Pay
  6. Tap the nonstop fastener to reappraisal oregon cancel the payment
  7. Confirm your outgo with Face ID, Touch ID, oregon your passcode

If you privation to usage your debit paper alternatively of your Apple Cash card, travel steps 1-6, past pat connected the bluish arrow adjacent to the outgo method. You'll past request to toggle disconnected Apple Cash and take the debit paper you privation to use. Tap Back and past implicit measurement 7. You'll request to crook Apple Cash backmost connected if you privation to usage it arsenic your default outgo again.

To nonstop wealth done Apple Cash connected your Apple Watch, travel these steps:

  1. Open the Messages app
  2. Tap an existing conversation
  3. Scroll down, past pat the Apple Pay button, which is simply a dollar motion successful a bluish circle
  4. Tap the minus motion oregon the positive motion to alteration the amount
  5. Tap connected the magnitude successful the message, past you tin usage the Digital Crown to alteration the amount
  6. Tap Pay, past reappraisal oregon cancel the payment
  7. Double-click the broadside button

You could besides inquire Siri. To bash this, connected your iPhone oregon Apple Watch, accidental "Hey Siri," past thing like, "Send 25 dollars to Jane for movie tickets." You'll past request to take Wallet oregon Apple Pay.

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How to petition wealth done Apple Cash

You tin nonstop a petition for wealth done Apple Cash successful the Messages app and the recipient tin pat Pay, past alteration oregon corroborate the magnitude they privation to send.

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To petition wealth done Apple Cash connected your iPhone oregon iPad, travel these steps:

  1. Open a speech successful the Messages app oregon commencement a caller speech with the idiosyncratic you privation to petition wealth from
  2. Tap the Apple Pay fastener successful the app drawer beneath the input box
  3. If you don't spot the Apple Pay button, pat the App Store fastener connected the near of the input container first
  4. Enter an amount
  5. Tap Request
  6. Send your request

To petition wealth done Apple Cash connected your Apple Watch, travel these steps:

  1. Open the Messages app and take a speech with the idiosyncratic you privation to petition wealth from
  2. Tap the Apple Pay fastener - the bluish ellipse with the dollar sign
  3. Enter an amount
  4. Swipe connected the Pay fastener to amusement the Request button
  5. Tap Request

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How to respond to an Apple Cash request

To respond to an Apple Cash petition successful Messages connected your iPhone oregon iPad, travel the steps below:

  1. Open the petition successful the Messages app
  2. Tap Pay connected the message
  3. Review the magnitude to send
  4. Tap Pay to continue, oregon alteration the amount
  5. Confirm utilizing Face ID, Touch ID, oregon your passcode and nonstop your payment

To respond to an Apple Cash petition successful Messages connected your Apple Watch, travel the steps below:

  1. Open the petition successful the Messages app
  2. Tap Pay connected the message
  3. Review the magnitude to send.
  4. Tap Pay to continue, oregon usage the Digital Crown to alteration the amount
  5. Double click the broadside fastener to corroborate and nonstop your payment

To diminution a petition for money, conscionable disregard the message.

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How to cancel an Apple Cash payment 

If you privation to cancel an Apple Cash payment, travel the steps below:

  1. Open the Messages app
  2. Open the speech with the idiosyncratic you person made the Apple Cash outgo excessively that you privation to cancel
  3. Tap connected the payment
  4. Your Apple Cash paper volition unfastened successful the Wallet app
  5. Under Latest Transactions, pat the payment, past pat it again
  6. Tap Cancel Payment

If Cancel Payment isn't an option, the idiosyncratic you sent the outgo excessively has already accepted the money.

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How to automatically oregon manually judge Apple Cash payments

As we mentioned above, the archetypal clip you usage Apple Cash, you volition person to 7 days to judge the wealth sent to you, aft which you judge the presumption and conditions and past payments are automcatically accepted by default. It's imaginable to alteration this to manual however, which volition mean you volition spot an Accept fastener connected immoderate wealth you are sent done Apple Cash.

You past person 7 days to judge the money. If you privation to cull it, unfastened the Wallet app connected your iPhone > Tap your Apple Cash paper > Find the outgo nether Latest Transactions > Tap the outgo > Tap the outgo again > Tap Reject Payment.

To take betwixt automatic oregon manual accepting of payments connected your iPhone:

  1. Open the Wallet app connected your iPhone
  2. Tap your Apple Cash card
  3. Tap the 3 dots
  4. Tap Automatically Accept Payments oregon Manually Accept Payments

To take betwixt automatic oregon manual accepting of payments connected your iPad:

  1. Open the Settings app connected your iPad
  2. Scroll down and pat Wallet & Apple Pay
  3. Tap your Apple Cash card
  4. Tap Automatically Accept Payments oregon Manually Accept Payments

To take betwixt automatic oregon manual accepting of payments connected your Apple Watch:

  1. Open the Apple Watch app connected your iPhone
  2. Scroll down and pat Wallet & Apple Pay
  3. Tap your Apple Cash card.
  4. Tap Automatically Accept Payments oregon Manually Accept Payments

Where does Apple Cash work?

Apple Cash works wherever Apple Pay is supported, which is anyplace that contactless outgo is supported. 

Not lone tin you usage funds successful your Apple Cash paper to nonstop and person wealth via Messages, but you tin besides usage it to marque Apple Pay purchases astatine retail locations, connected the web, and successful apps.

You tin adjacent transportation Apple Cash funds to your ain slope relationship oregon eligible Visa oregon Mastercard debit card. You tin find retired much astir however to bash that connected Apple's Support page.

What bash you request for Apple Cash?

To nonstop and recieve wealth successful the Messages app person-to-person utilizing Apple Cash, you'll request to person each of the following:

  • Be astatine slightest 18 oregon over
  • Live successful the United States
  • Have a compatible instrumentality moving iOS 11.2 oregon aboriginal oregon watchOS 4.2 oregon later
  • Set up two-factor authentification for your Apple ID
  • Sign into iCloud with your Apple ID connected immoderate instrumentality that you privation to usage to nonstop oregon person money
  • Add an eligble debit paper successful the Wallet app truthful you tin nonstop money

Which devices enactment Apple Cash?

Apple Cash is disposable connected iPhone, iPad, and Apple Watch moving iOS 11.2 oregon aboriginal oregon watchOS 4.2 oregon later. The pursuing devices are compatible with Apple Cash, but remember, you person to unrecorded successful the US:

  • iPhone models with Face ID
  • iPhone models with Touch ID (excluding the iPhone 5S)
  • iPad Air, iPad, and iPad mini models with Touch ID oregon Face ID
  • Apple Watch Series 1 and 2 and later
  • Apple Watch (1st generation)

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How to acceptable up Apple Cash

To acceptable up person-to-person payments done Messages utilizing Apple Cash, travel the steps below: 

  1. Open the Settings app connected your compatible iPhone oregon iPad
  2. Scroll down and pat connected Wallet & Apple Pay
  3. Toggle Apple Cash on
  4. Under Payment Cards, pat connected Apple Cash
  5. Tap Continue and travel the instructions connected your screen

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How to acceptable up Apple Cash for a kid oregon teen

It's besides imaginable to acceptable up Apple Cash for a household subordinate that is nether 18 and successful your Family Sharing radical truthful they excessively tin marque purchases, and nonstop and person wealth successful Messages. You tin bounds who your kid oregon teen tin nonstop wealth to, get notified erstwhile they marque transactions, and fastener their account.

The household organiser has to acceptable Apple Cash up for the kid oregon teen, and they volition request to usage the aforesaid Apple ID for Apple Cash arsenic they did for mounting up Family Sharing.

They volition besides request to person a compatible iPhone, iPad oregon Watch moving the latest iOS, iPadOS oregon watchOS software. They volition besides request to motion successful to iCloud connected each household member's instrumentality utilizing their Apple ID, crook connected two-factor authentification for each Apple ID and marque definite each instrumentality portion is acceptable to the US.

If you tin tick each those boxes, these are the adjacent steps:

  1. On the household organiser's iPhone, unfastened the Settings app.
  2. Tap [your name], past pat Family Sharing.
  3. Tap Apple Cash, past take a kid oregon teen.
  4. Choose Set Up Apple Cash.
  5. Follow the instructions connected your surface to acceptable up their account. You mightiness request to verify your identity. If you spot Pending, marque definite your kid meets the requirements.

You tin work much astir however to manage your child's Apple Cash accounts here.

Are determination immoderate limits for Apple Cash?

In short, yes. There are limits for not lone your Apple Cash paper balance, the magnitude you tin nonstop and person successful a Message, arsenic good arsenic however overmuch you tin transportation to your slope account.

The maximum Apple Cash equilibrium you're allowed to person aft verifying your individuality is $20,000. This is reduced to $4000 if you are portion of Apple Cash Family.

The minimum magnitude you tin nonstop oregon person utilizing Apple Cash is $1. The maximum is $10,000. There's besides a $10,000 maximum wrong a seven-day period. If you are portion of Apple Cash Family, the minimum stays the aforesaid but the maximum is capped astatine $2000, arsenic is the 7 time maximum.

When adding wealth to your Apple Cash card, the minimum is $10, the maximum is $10,000 and there's besides a maximum of $10,000 wrong a seven-day play again. For Apple Cash Family users, the minimum remains astatine $10 but the maximums trim to $2000.

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How to adhd wealth to Apple Cash

You tin adhd wealth to your Apple Cash paper equilibrium by utilizing a debit paper oregon prepaid paper that you person already acceptable up successful Apple Pay. If you person an Apple Card - lone disposable successful the US excessively - you get a percent of each acquisition you marque utilizing the paper that is called Daily Cash. Daily Cash is loaded consecutive onto your Apple Cash paper too. 

To adhd wealth to your Apple Cash paper utilizing your iPhone oregon iPad:

  1. Open the Wallet app (iPhone) / Open Settings and pat connected Wallet & Apple Pay (iPad)
  2. Tap connected your Apple Cash card
  3. Tap the 3 dots successful the circle
  4. Tap Add Money
  5. Enter an magnitude (minimum is $10)
  6. Tap Add
  7. Confirm the US debit oregon prepaid paper that you privation to usage to adhd money
  8. To usage a antithetic debit oregon prepaid card, pat the bluish arrow adjacent to your card, past take a card
  9. Confirm with Face ID, Touch ID, oregon passcode

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Are determination immoderate fees for Apple Pay Cash?

Sending and receiving wealth with Apple Pay and the Apple Cash paper are services provided by Green Dot Bank. There's nary interest to send, receive, oregon petition wealth utilizing Apple Cash. Setting up Apple Cash besides won't impact your recognition and it won't beryllium impacted by immoderate recognition freezes. 

Where you volition wage a interest is if you prime Instant Transfer erstwhile transferring wealth to a debit card. A 1.5 per cent interest (with a minimum interest of $0.25 and a maximum interest of $15) is deducted from the magnitude of each Instant Transfer.

There are nary fees for transferring Apple Cash funds to your slope account.

Where is Apple Pay Cash available?

Apple Pay Cash is lone disposable successful the US. There's nary connection yet connected UK availability astatine the moment.

Writing by Britta O'Boyle. Editing by Max Freeman-Mills. Originally published connected 10 June 2017.

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