You cannot transfer Apple Cash directly to Cash App
Apple Cash and Cash App are separate payment systems run by different companies, and neither one lets you send money between them directly. Apple Cash lives inside Apple Wallet on your iPhone, iPad, or Apple Watch. Cash App is a standalone app owned by Block (formerly Square). The two do not connect to each other.
What you can do instead is move the money out of Apple Cash into your bank account, then move it from your bank account into Cash App. This takes two separate transfers and usually costs nothing, though timing varies depending on your bank.
Key Takeaways
- Apple Cash and Cash App do not communicate with each other, so you must route money through your bank account as an intermediate step.
- Transfer money from Apple Cash to your linked bank account first by opening Wallet, tapping your Apple Cash card, and selecting "Transfer to Bank".
- Once the money lands in your bank account (usually one to three business days), add that bank account to Cash App and transfer the funds in.
- Both transfers are typically free, but your bank may charge a fee for incoming transfers, and Cash App may charge a small fee to add a bank account for the first time.
How to move money from Apple Cash to your bank account
Open the Wallet app on your iPhone and tap your Apple Cash card. Look for the option that says "Transfer to Bank" or a three-dot menu icon that opens more options. Tap it and enter the amount you want to move. Apple will ask you to confirm the transfer and may ask for your Face ID or passcode.
The money usually arrives in your linked bank account within one to three business days. Some banks are faster — some deposit it the same day or next business day. Check your bank's transfer policy if you need the money quickly. Once the transfer is complete, you will see it listed in your Wallet transaction history.
If you do not have a bank account linked to Apple Cash yet, you will need to add one first. Go to Wallet settings, tap your Apple Cash card, and select "Add Bank Account". You will need your routing number and account number, which you can find on a check or in your bank's app.
How to move money from your bank account to Cash App
Open Cash App and tap the bank icon (usually labeled "Cash" or shown as a dollar sign) at the bottom of the screen. Select "Add Bank Account" and enter your bank's name or routing number. Cash App will walk you through connecting your account — you may need to log into your bank to verify the connection, or Cash App may ask you to confirm two small deposits your bank sends to your account.
Once your bank account is linked, tap the "+" icon and select "Add Cash". Enter the amount you want to transfer from your bank account into Cash App. Confirm the transfer. The money usually arrives in your Cash App balance within one to three business days, though some banks process it faster.
Cash App will hold the money in your Cash App balance once it arrives. From there, you can send it to other Cash App users, use it to pay in stores with your Cash Card, or transfer it back out to your bank account later if you change your mind.
Timing and fees to expect
Each transfer — from Apple Cash to your bank, and from your bank to Cash App — typically takes one to three business days. Weekends and bank holidays can add time. If you need money in Cash App urgently, this two-step process may not be fast enough; in that case, consider whether you can send money directly to the person or business you need to pay using Apple Cash instead.
Most banks do not charge a fee to receive transfers into your account, and Apple Cash does not charge to send money to your bank. Cash App also does not charge to add money from a linked bank account. However, some banks charge a small fee for incoming transfers, and some older Cash App accounts may have a small fee the first time you link a bank account. Check your bank's fee schedule and Cash App's current policies before you start.
What to do if your bank account is not linked to Apple Cash
If you have not yet connected a bank account to Apple Cash, you will need to do that before you can transfer money out. Go to Wallet, tap your Apple Cash card, and look for "Add Bank Account" or a settings icon. You will need your routing number and account number. If you do not have these handy, log into your bank's app or look at a check — both show this information.
Apple will verify your account by sending a small test deposit to your bank, usually within a few minutes. Once your bank confirms the deposit, the account is linked and you can transfer money whenever you want.
Alternatives if you need money in Cash App right now
If waiting one to three days for transfers is not practical, consider whether you can accomplish what you need using Apple Cash directly. If you are paying another person, you can send Apple Cash to anyone with an iPhone using iMessage, or to anyone with an email address through Apple Pay. If you are paying a business, many stores and websites accept Apple Pay, which draws from your Apple Cash balance.
If the person or business you need to pay only accepts Cash App, and you cannot wait for the transfer, you may need to use a different payment method — a credit card, debit card, or cash — until your transfer completes. Some employers and services also let you receive money directly into Cash App, which would be faster than transferring it yourself.
Frequently Asked Questions
Can I transfer Apple Cash to someone else's Cash App account?
No. You can only move your own Apple Cash to your own bank account. If you want to send money to another person who uses Cash App, transfer your Apple Cash to your bank account first, then send money from your bank account to their Cash App using their Cash App username or phone number.
Will my bank charge me to receive the transfer from Apple Cash?
Most banks do not charge for incoming transfers, but some do. Check your bank's fee schedule or call customer service to ask about transfer fees. The fee, if any, would be deducted from the money that arrives in your account.
What if the transfer from Apple Cash to my bank takes longer than three days?
Contact your bank's customer service and provide them with the transfer date and amount. They can look up the transfer in their system and tell you whether it is still processing or if something went wrong. If the transfer was rejected, Apple will usually return the money to your Apple Cash balance within a few days.
Can I transfer money from Cash App back to Apple Cash?
No, not directly. You would need to transfer from Cash App to your bank account, then from your bank account to Apple Cash — the same two-step process in reverse. Both transfers typically take one to three business days.