You can transfer Apple Cash to your bank account free of charge, or to a Visa debit card with a 1% fee.
You can use Apple Cash to send money via iMessage, where you can also accrue cash back from your Apple Card.
To transfer Apple Cash to your bank, start the Apple Wallet app and open the menu on the Apple Cash card.
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Apple Cash is a convenient financial service on your iPhone. You might use it to transfer money to other people via iMessages, and you can accrue cash back from your Apple Card, which pays up to 3% back on certain purchases. There are several ways to use the money in your Apple Cash account, but a common one is to transfer it to your bank account or to a Visa debit card.
How to troubleshoot problems transferring money from Apple Cash
Most of the time, you should have no trouble transferring money from Apple Cash to a bank account or debit card. Sometimes, of course, things go wrong. Here are some things to watch for:
If in doubt, check your statement. Check your bank or debit card statement to ensure the money was transferred as expected.
Some delays are not unusual. Remember that it takes one to three days for cash to appear in your bank account (and 30 minutes for Visa debit card transfers). And watch the calendar — banks don’t make transfers or deposits on weekends or on bank holidays.
There are transfer limits. You can transfer up to $10,000 at once and as much as $20,000 within any seven-day period. If you reach either limit, you’ll need to wait to transfer more.
Transfers are only valid to banks in the US. You’ll need a US-based bank to make transfers from Apple Cash.
Is your phone up to date? If you’re having trouble, make sure you have the latest version of iOS installed (or, if you’re attempting the transfer on your iPad, check for the latest version of iPadOS.)
Be sure you have connectivity. When attempting a transfer, make sure you have cellular or Wi-Fi service so the transfer can go through.
Make sure your debit card is compatible with Apple Cash. If you’re trying to transfer cash to a debit card, it needs to be an eligible Visa debit card. If in doubt, contact the company that issued your Visa debit card.
Verify you entered the right banking information. Double-check that you entered the right account and routing numbers in your banking information. If you entered the wrong numbers, money may go to the wrong account.
If all else fails, contact Apple Support. An Apple support technician may be able to help you troubleshoot the problem.