Transfer money from Apple Pay Cash to your debit card or bank account

You can transfer money from your Apple Pay Cash1 balance instantly or within 1 to 3 business days.

How to transfer to your bank

You can transfer money from your Apple Pay Cash balance using Instant Transfer to debit cards or a Bank Transfer.

Use Instant Transfer

With Instant Transfer, you can quickly transfer money to an eligible Visa debit card in Wallet. An Instant Transfer is typically available within 30 minutes.*

  1. Go to your card info:
    • iPhone: open the Wallet app, tap your Apple Pay Cash card, then tap the more button more icon.
    • iPad: open the Settings app, tap Wallet & Apple Pay, then tap your Apple Pay Cash card.
  2. Tap the Info tab, then tap Transfer to Bank.
  3. Enter an amount and tap Next.
  4. Tap Instant Transfer.
  5. If you haven't added a Visa debit card, tap Add Card and follow the instructions on your screen to add one.
  6. Tap > select the Visa debit card you want to transfer funds to and select the billing information for your chosen debit card.
  7. Your funds should transfer within 30 minutes.

*A 1 percent fee (with a minimum fee of $0.25 and a maximum fee of $10) is deducted from the amount of each instant transfer.

Transfer in 1 to 3 business days

You can also use a Bank Transfer to transfer money to your bank account within 1 to 3 business days.*

  1. Go to your card info:
    • iPhone: Open the Wallet app, tap your Apple Pay Cash card, then tap more icon
    • iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Pay Cash card.
    • Apple Watch: Transfer money using your iPhone. 
  2. Tap the Info tab, then tap Transfer to Bank.
  3. Enter an amount and tap Next.
  4. Choose 1-3 Business Days. If you don't have a bank account set up, follow the instructions on your screen to add one.
  5. Confirm with Face ID, Touch ID, or passcode. 
  6. Wait for the money to transfer. This can take 1 to 3 business days.

*There are no fees to transfer your money from Apple Pay Cash to your bank account.

How long does a bank transfer take

If you use Instant Transfer, your funds are typically available in your bank account within 30 minutes.

Bank transfers usually take 1 to 3 business days to complete. Check your bank statement to see if the transfer has been processed and deposited into your bank account. Bank transfers won't be deposited on bank holidays or the weekend. See holidays observed by the Federal Reserve on federalreserve.gov.

How to update your bank account information

  1. Go to your card info:
    • iPhone: Open the Wallet app, tap your Apple Pay Cash card, then tap more icon
    • iPad: Open the Settings app, tap Wallet & Apple Pay, then tap your Apple Pay Cash card.
    • Apple Watch: Edit the information using your iPhone.
  2. Tap the Info tab, tap Bank Account, then tap your bank account information. 
    • To delete your banking information, tap Delete Bank Account Information. Tap again to confirm. After deleting, you can add your bank information again or add different information. 
    • To edit your bank information, tap next to your routing number or account number, add your information, then confirm the numbers and tap Next.2

After you update your information on one device, it automatically updates on all the devices where you're signed in with your Apple ID.

Learn about limits

You can transfer up to $10,000 per transfer and up to $20,000 within a seven-day period from Apple Pay Cash to your bank account. You can only transfer your money to a bank account in the United States. There are no fees to transfer your money from Apple Pay Cash to your bank account. 

Learn about account limits and person to person payment limits

How to find your bank account number or routing number

Your bank account number and routing numbers are easy to find on your checks. Or you can always contact your bank and ask for this information.

Check that shows the routing number and account number

Get help

If you don't receive an instant transfer after two hours, or your 1 to 3 business day transfers after three business days, contact us. If you think that you entered the wrong bank account or routing number, contact us.

If you can't transfer money, make sure that your devices meet the requirements:

  1. Check for iOS or watchOS updates.
  2. Make sure that your device is eligible.
  3. Make sure that you have a Wi-Fi or cellular connection.

After each step, try to transfer money again:

  1. For 1 to 3 business day transactions, make sure that you added an eligible United States bank account and that you entered the correct account and routing numbers. If you enter the wrong numbers, the transfer might go to the wrong account.
  2. Instant transfers require you to use the billing address that matches your selected debit card.
  3. Check the limits. The minimum amount that you can transfer to your bank account is $1. If your balance is less than $1, you can transfer your total balance as an exception to the minimum. The maximum amount that you can transfer per transaction is $10,000.
  4. Make sure you aren't using accents when you enter your name.

If you still can't transfer money to your bank, you might need to verify your identity

  1. You must be at least 18 years old and a resident of the United States to send and receive money with Apple Pay or receive the Apple Pay Cash card. These services are provided by Green Dot Bank, Member FDIC. Learn more about the Terms and Conditions.
  2. Enter your bank information carefully. If you enter the wrong information, your money might go to the wrong account and may not be able to be recovered. If you need help, contact us
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