So you’ve just downloaded the latest iOS update, and you’ve heard about this new feature called Apple Cash. But how exactly do you use it? In this article, we’ll give you a simple and friendly step-by-step guide on how to navigate Apple Cash and make the most out of this convenient payment option. Whether you’re splitting the bill with friends or paying for your morning coffee, using Apple Cash is about to become second nature to you. Let’s get started!
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Setting up Apple Cash
Creating an Apple Cash account
To get started with Apple Cash, you first need to create an Apple Cash account. Open the Wallet app on your iPhone and tap on the “+” icon to add a new card. Select Apple Cash from the list of options and follow the on-screen prompts to set up your account. You’ll be asked to enter your personal information, including your name, address, date of birth, and the last four digits of your social security number.
Verifying your identity
To ensure the security of your Apple Cash account, you’ll need to verify your identity. This process may require you to provide additional information, such as a photo of your ID or answer security questions. Once your identity is verified, you’ll be able to use all the features of Apple Cash without any limitations.
Adding funds to your Apple Cash account
To use Apple Cash, you’ll need to have funds in your account. You can add money to your Apple Cash account by linking a debit card or a bank account. Simply go to the Wallet app, select your Apple Cash card, and tap on “Add Money.” Follow the instructions to link your preferred funding source and choose the desired amount to transfer. The funds will be available in your Apple Cash account instantly.
Using Apple Cash in Messages
Sending and receiving money
With Apple Cash, you can easily send or receive money from friends and family using the Messages app. To send money, open a conversation with the person you want to send money to, and tap on the Apple Pay icon in the message window. Enter the amount you want to send and authorize the payment with Face ID, Touch ID, or your passcode. To receive money, simply open the message from the person sending you money and tap “Accept.”
Checking your Apple Cash balance
To check your Apple Cash balance, open the Wallet app and select your Apple Cash card. Your current balance will be displayed prominently at the top of the screen. You can also view your transaction history by tapping on “Recent Transactions” below your balance. This allows you to keep track of all your Apple Cash transactions and monitor your spending.
Requesting money from friends
If you need to request money from a friend, Apple Cash makes it easy. Open a conversation with the person you want to request money from, tap on the Apple Pay icon, and enter the amount you would like them to send. Add a note to specify the reason for the request, and send the payment request. Your friend will receive a notification and can choose to accept or decline the request.
Paying with Apple Cash in stores and apps
You can also use Apple Cash to make payments in physical stores and within supported apps. When making a purchase at a store, simply hold your iPhone near the contactless payment terminal and authorize the payment with Face ID, Touch ID, or your passcode. For online purchases, select Apple Pay as the payment method during checkout and confirm the transaction using the authentication method on your device. Apple Cash provides a convenient, secure, and effortless way to pay for goods and services.
Using Apple Cash with Apple Pay
Linking Apple Cash to Apple Pay
To use Apple Cash with Apple Pay, you need to link your Apple Cash account to Apple Pay. Open the Wallet app and tap on the “+” icon to add a card. Choose Apple Cash and follow the prompts to link your Apple Cash account. Once linked, you’ll be able to use Apple Cash seamlessly with Apple Pay in stores and apps.
Making payments with Apple Pay using Apple Cash
After linking your Apple Cash account to Apple Pay, making payments becomes a breeze. Whether you’re in a store or making an online purchase, simply select Apple Pay as the payment method and choose your linked Apple Cash account. Authenticate the payment with Face ID, Touch ID, or your passcode, and the transaction will be completed securely and almost instantly.
Transferring money from Apple Cash to your bank account
If you need to transfer funds from your Apple Cash account to your bank account, you can easily do so using the Wallet app. Open your Apple Cash card, tap on “Transfer to Bank,” and follow the on-screen instructions. You’ll need to provide your bank account details, such as the account number and routing number. Once the transfer is initiated, it may take a few business days for the funds to appear in your bank account.
Managing Apple Cash settings
Customizing your Apple Cash card
You have the option to customize the appearance of your Apple Cash card in the Wallet app. Simply open your Apple Cash card, tap on the “…” button, and select “Edit Card.” From there, you can change the design of your card, including the color and the face showing your initials. Personalize your Apple Cash card to make it uniquely yours.
Viewing transaction history
To keep track of your transactions made with Apple Cash, you can view your transaction history in the Wallet app. Open your Apple Cash card, scroll down to “Recent Transactions,” and tap to see the details of each transaction. This feature allows you to review your spending, monitor incoming and outgoing payments, and maintain an accurate record of your financial activity.
Updating personal information
If any of your personal information associated with your Apple Cash account changes, it’s important to keep it up to date. Open the Wallet app, select your Apple Cash card, and tap on the “…” button. Choose “Edit” to update your personal information, such as your name or address. Keeping your details accurate ensures a seamless experience and helps maintain the security of your account.
Changing security settings
Apple Cash provides several security settings to protect your account. Open the Wallet app, select your Apple Cash card, and tap on the “…” button. From there, choose “Settings” and explore the available security options. You can enable or disable features like requiring authentication for transactions, setting spending limits, and managing connected devices. Adjust these settings according to your preferences and security needs.
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Receiving and sending money
Receiving money from others
When someone sends you money through Apple Cash, you’ll receive a notification in Messages. Open the message and tap “Accept” to add the funds to your Apple Cash account. The money will be instantly available for you to use, whether it’s for making payments or transferring to your bank account.
Sending money to others
To send money to someone using Apple Cash, open a conversation with the person and tap on the Apple Pay icon in the message window. Enter the amount you want to send and confirm the payment using Face ID, Touch ID, or your passcode. The funds will be deducted from your Apple Cash account and transferred to the recipient’s Apple Cash account instantly.
Adding a memo to transactions
You can add a memo to your Apple Cash transactions to help you remember the purpose or details of a particular payment. After entering the payment amount in the Apple Pay screen, tap on “Add Memo.” Enter a short note or description and complete the transaction as usual. This feature is especially useful when making multiple payments or when you want to keep track of specific transactions for future reference.
Checking your Apple Cash balance
Using your Wallet app
To check your Apple Cash balance, open the Wallet app on your iPhone and select your Apple Cash card. Your current balance will be displayed at the top of the screen, giving you a quick overview of your available funds. Additionally, you can view your transaction history by tapping on “Recent Transactions” below your balance.
Asking Siri for your balance
Another convenient way to check your Apple Cash balance is through Siri. Simply activate Siri by holding the home button or saying “Hey Siri,” and ask, “What’s my Apple Cash balance?” Siri will provide you with your current balance and keep you updated on your available funds.
Checking balance on your Apple Watch
If you have an Apple Watch paired with your iPhone, checking your Apple Cash balance is even more accessible. Open the Wallet app on your Apple Watch and tap on your Apple Cash card. Your balance will be displayed on the screen, allowing you to keep track of your funds without needing to take out your iPhone.
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Requesting money from friends
Creating a payment request
To request money from a friend using Apple Cash, open a conversation with them in Messages. Tap on the Apple Pay icon and enter the amount you’re requesting. You can also add a note specifying the reason for the request. Once you’re ready, send the payment request, and your friend will receive a notification.
Sending a request to friends
When your friend receives your payment request, they can choose to accept or decline it. If they accept, the requested amount will be deducted from their Apple Cash account and added to yours. If they decline, no money will be transferred, and you can discuss alternative payment options if needed.
Canceling or editing a payment request
If you need to cancel or edit a payment request before it’s been accepted, you can easily do so. Open the conversation where you made the request, tap on the payment request, and choose “Cancel” or “Edit.” Cancelling the request will remove it entirely, while editing allows you to change the requested amount or add more details to the note.
Paying with Apple Cash in stores and apps
Making contactless payments
To make a contactless payment in a physical store using Apple Cash, ensure that the store accepts Apple Pay. When you’re ready to pay, hold your iPhone near the contactless payment terminal and authorize the payment with Face ID, Touch ID, or your passcode. The payment will be processed quickly and securely, and you’ll receive a confirmation on your device.
Authenticating payment with Face ID or Touch ID
Whether you’re making a payment in a store or app, Apple Cash allows you to authenticate transactions using Face ID or Touch ID. This adds an extra layer of security, ensuring that only you can authorize payments from your Apple Cash account. Simply follow the prompts on your device to verify your identity, and the payment will be completed once authenticated.
Using Apple Cash for online purchases
Online shopping becomes more convenient with Apple Cash. When making a purchase on a website or within an app that supports Apple Pay, select Apple Pay as your payment method during checkout. Choose your linked Apple Cash account, authenticate the payment, and confirm the transaction. Your payment will be processed securely, and you’ll receive confirmation of your purchase.
Managing payment sources
If you have multiple payment sources linked to your Apple Cash account, such as multiple bank accounts or cards, you can manage them in the Wallet app. Open your Apple Cash card, tap on the “…” button, and select “Edit Card.” From there, you can add or remove payment sources and customize the order in which they are used for transactions. This allows you to have greater control over your preferred payment methods.
Linking Apple Cash to Apple Pay
Connecting Apple Cash to Apple Pay
To link your Apple Cash account to Apple Pay, open the Wallet app on your iPhone. Tap on the “+” icon to add a new card, and select Apple Cash. Follow the instructions to link your Apple Cash account, and you’ll be able to seamlessly use Apple Cash with Apple Pay for all your payment needs.
Verifying your identity for Apple Pay
As an additional security measure, you may need to verify your identity when linking Apple Cash to Apple Pay. This process may require you to provide additional information or undergo verification procedures. Follow the on-screen prompts to complete the identity verification, and once approved, you’ll have full access to using Apple Cash with Apple Pay.
Setting Apple Cash as your default payment method
If you prefer to use Apple Cash as your default payment method when using Apple Pay, you can easily set it as the primary option. Open the Settings app on your iPhone and go to “Wallet & Apple Pay.” Under the “Payment Defaults” section, select “Apple Cash” as your preferred payment method. With this setting enabled, Apple Cash will be used automatically whenever you make a payment using Apple Pay.
Transferring money from Apple Cash to your bank account
Initiating a transfer
To transfer money from your Apple Cash account to your bank account, open the Wallet app and select your Apple Cash card. Tap on “Transfer to Bank” and follow the instructions on the screen to initiate the transfer. You’ll need to provide your bank account details, such as the account number and routing number, to complete the transfer request.
Choosing the transfer amount
When initiating a transfer from your Apple Cash account, you’ll have the option to choose the amount you want to transfer. Enter the desired amount based on your needs and preferences. Keep in mind that there may be minimum or maximum transfer limits set by Apple Cash or your bank, so ensure that your chosen amount falls within those boundaries.
Waiting for the transfer to complete
After initiating the transfer from your Apple Cash account to your bank account, it may take a few business days for the funds to appear in your bank account. The exact time frame can vary depending on various factors, such as your bank’s processing times. Be patient and allow the necessary time for the transfer to complete. Once it does, you’ll have access to the transferred funds in your bank account.
Using Apple Cash provides a convenient and secure way to manage your money, whether it’s sending payments to friends or making purchases in stores or online. Take advantage of the various features and settings available to customize your Apple Cash experience and make the most out of this versatile payment tool.
