Use Apple Cash on Apple Watch

With Apple Cash (available in the U.S.), you can send and request person-to-person payments and make purchases using Apple Pay. Exchanging Apple Cash with someone is as simple as sending a message, using Siri, or holding your Apple Watch near the recipient’s iPhone or Apple Watch.

Note: Apple Cash services are provided by Green Dot Bank, Member FDIC. Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. Neither Apple Inc. nor Apple Payments Services LLC is a bank.

Make purchases with Apple Cash

On Apple Watch, you can use Apple Cash for purchases wherever Visa and Apple Pay are accepted. See Use Apple Pay for contactless payments.

Send and request Apple Cash in Messages

Go to the Messages app on your Apple Watch.
Start a new message or select an existing conversation, tap , then tap Apple Cash.
Enter the amount by turning the Digital Crown or tapping and .
To send an amount not in whole dollars—$10.95, for example—tap the dollar amount, tap after the decimal, then turn the Digital Crown to choose a value.
Do one of the following:
- Send a payment: Tap Send.
- Request a payment: Swipe left on the Send button, then tap Request.
Confirm the payment, then double-click the side button.
When the payment is complete, a confirmation message appears.

Send Apple Cash by bringing devices together with Tap to Cash

With Tap to Cash, you can send Apple Cash to someone by holding your iPhone or Apple Watch near their iPhone or Apple Watch, without having to share your phone number or email address.

Note: Tap to Cash is supported on iPhone models with iOS 18 or later and Apple Watch models with watchOS 11 or later.

Go to the Wallet app on your Apple Watch.
Tap the Apple Cash card, then tap Tap to Cash.
Enter the amount by turning the Digital Crown or tapping and .
Tap Send, confirm the payment, then double-click the side button.
Hold your Apple Watch near the recipient’s iPhone or Apple Watch.
Continue holding the devices near each other until the payment information appears on the recipient’s screen.
The recipient can choose Accept or Decline.

Manage your Apple Cash on iPhone

You can review transactions, add money, set up auto reload, and more. See Use Apple Cash in Wallet on iPhone in the iPhone User Guide.

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Apple Watch User Guide

Use Apple Cash on Apple Watch

Make purchases with Apple Cash

Send and request Apple Cash in Messages

Send Apple Cash by bringing devices together with Tap to Cash

Manage your Apple Cash on iPhone