Use Apple Cash to Send Money Instantly in the U.S. and Canada

 Apple Cash makes sending and receiving money as simple as sending a text. Whether you want to split a dinner bill, pay a friend back, or send a quick gift, Apple Cash lets you transfer money securely using your iPhone or Apple Watch. This OnePlus guide explains how users in the U.S. and Canada can set up and use Apple Cash for instant, safe payments.

What Is Apple Cash

Apple Cash is a digital card built into your Apple Wallet. It works like a debit card — you can send, receive, and spend money directly from your iPhone or Apple Watch. You can also transfer your Apple Cash balance to your bank account anytime.

Key benefits:

  • Instant transfers between Apple users.

  • No extra apps or fees for standard transfers.

  • Secure payments verified by Face ID or Touch ID.

  • Works seamlessly with Apple Pay and Wallet.

OnePlus Tip: Apple Cash is ideal for quick person-to-person transactions — like paying a friend for coffee or sending money to family.

Step 1: Set Up Apple Cash

Before you can send or receive money, you’ll need to enable Apple Cash.

  1. Open Settings → Wallet & Apple Pay.

  2. Turn on Apple Cash.

  3. Verify your identity if prompted (you may need to confirm your name, date of birth, and address).

Once enabled, your Apple Cash card will appear in your Wallet app automatically.

Step 2: Add Money to Apple Cash

  1. Open the Wallet app → Tap your Apple Cash card.

  2. Tap Add Money.

  3. Enter the amount you want to add.

  4. Choose a linked debit card and tap Add.

  5. Confirm with Face ID or Touch ID.

OnePlus Tip: Use a debit card instead of a credit card to avoid fees.

Step 3: Send Money via Messages

Apple Cash is integrated directly into the Messages app, making it incredibly convenient:

  1. Open a conversation in Messages.

  2. Tap the Apple Pay button in the app bar.

  3. Enter the amount you want to send.

  4. Tap Pay → Send.

  5. Confirm using Face ID or Touch ID.

The recipient will receive the payment instantly.

Step 4: Request Money Using Apple Cash

  1. Open a chat in Messages.

  2. Tap the Apple Pay button.

  3. Enter the amount you want to request.

  4. Tap Request.

When your contact accepts, the funds will appear in your Apple Cash balance.

Step 5: Spend Apple Cash

You can use Apple Cash wherever Apple Pay is accepted — in stores, apps, and online.

  1. At checkout, choose Apple Pay.

  2. Select your Apple Cash card as the payment method.

  3. Authenticate and complete your purchase.

Step 6: Transfer Apple Cash to Your Bank

  1. Open Wallet → Apple Cash card → More (•••).

  2. Tap Transfer to Bank.

  3. Enter an amount and tap Next.

  4. Choose Instant Transfer (1.5% fee) or 1–3 Business Days (no fee).

  5. Confirm using Face ID or Touch ID.

OnePlus Tip: Instant transfers work only with eligible debit cards in the U.S. and Canada.

Step 7: Manage Apple Cash Settings

You can adjust your Apple Cash preferences anytime:

  • Go to Settings → Wallet & Apple Pay → Apple Cash.

  • Review your balance, transaction history, and linked debit cards.

  • Disable Apple Cash if you want to pause transactions temporarily.

Step 8: Troubleshooting Apple Cash

If Apple Cash isn’t working properly:

  • Ensure you’re signed in to iCloud with your Apple ID.

  • Update your iPhone to the latest iOS version.

  • Check that both sender and recipient are in the U.S. or Canada.

  • Make sure two-factor authentication is enabled for your Apple ID.

Related OnePlus Guides

FAQ

1. Is Apple Cash available in both the U.S. and Canada?
Yes. Apple Cash is fully supported in the U.S. and is gradually expanding across Canadian banks and regions.

2. Can I use Apple Cash internationally?
Currently, Apple Cash only works for users located in the U.S. and supported Canadian areas.

3. Are there limits on Apple Cash transfers?
Yes. You can send or receive up to $10,000 per transaction and $20,000 per week.

Final Thoughts

Apple Cash makes sending, receiving, and spending money effortless for users in the U.S. and Canada. With just a few taps, you can transfer funds instantly, buy securely with Apple Pay, and manage your money right from your iPhone. By following OnePlus’ step-by-step setup guide, you’ll unlock one of the simplest and safest ways to move money digitally — no cards or cash required.

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