How to send money with Apple Cash

Complete guide with multiple methods and troubleshooting

7-10 min read
Expert Verified
Last Updated: August 2025

Quick Answer

To send money with Apple Cash, you can use the Messages app on your iPhone or iPad, or through the Wallet app. Simply select the recipient, enter the amount, and confirm the transaction using Face ID, Touch ID, or your passcode.

Easy⏱ 7-10 min read

Prerequisites & Requirements

Before you can send money using Apple Cash, ensure you meet the following requirements:
  • •An Apple device (iPhone, iPad, or Apple Watch) with iOS 11.2 or later.
  • •Apple Cash must be set up in your Wallet app.
  • •A valid debit card or bank account linked to your Apple ID.
  • •Both sender and recipient must be in the U.S. and have Apple Cash enabled.

Method 1: Sending Money via Messages App

This method is the most common way to send money using Apple Cash, especially for quick transactions between friends and family.
  • •Step 1: Open the Messages app on your iPhone or iPad.
  • •Step 2: Start a new conversation or select an existing one with the recipient.
  • •Step 3: Tap the Apple Pay button (it looks like a small 'A' in a circle) located above the keyboard.
  • •Step 4: Enter the amount you wish to send and tap 'Pay'.
  • •Step 5: Confirm the payment using Face ID, Touch ID, or your passcode.
  • •Step 6: You should see a confirmation message indicating that the payment was sent successfully.
  • •Step 7: If the payment fails, check your Apple Cash balance and ensure your device is connected to the internet.

For Windows 11

Currently, Apple Cash is not available on Windows devices. Users must use an Apple device to send money.

For Windows 10

Similar to Windows 11, Apple Cash cannot be accessed through Windows devices. Use an Apple device instead.

Method 2: Sending Money via Wallet App

This method is useful for users who prefer managing their transactions directly through the Wallet app.
  • •Step 1: Open the Wallet app on your iPhone or iPad.
  • •Step 2: Tap on the Apple Cash card.
  • •Step 3: Tap 'Send Money'.
  • •Step 4: Enter the recipient's phone number or email address.
  • •Step 5: Enter the amount you wish to send and tap 'Pay'.
  • •Step 6: Confirm the payment using Face ID, Touch ID, or your passcode.
  • •Step 7: Look for the confirmation screen to ensure the transaction was successful.

Troubleshooting Common Issues

If you encounter issues while sending money with Apple Cash, consider the following solutions:
  • •Error: 'Payment Failed' - Solution: Ensure your Apple Cash balance is sufficient and that your device has internet access.
  • •Issue: 'Recipient Not Found' - Fix: Confirm that the recipient has Apple Cash enabled and that you have entered the correct phone number or email address.
  • •Problem: 'Transaction Pending' - Workaround: Wait a few minutes and check your transaction history in the Wallet app. If it remains pending, contact Apple Support.

Advanced Tips & Shortcuts

Enhance your Apple Cash experience with these tips:
  • •Keyboard shortcut: Use Siri by saying 'Send $10 to [Recipient]' for quick transactions.
  • •Hidden feature: You can request money from someone by tapping the Apple Pay button in Messages and selecting 'Request'.
  • •Tip: Regularly check your Apple Cash balance in the Wallet app to avoid transaction failures.

Common Mistakes to Avoid

Avoid these common pitfalls:

Expert Tips

For the best experience with Apple Cash, ensure all your settings are correctly configured and keep your device updated.