You wish to use Cash App to make a payment, but it's now empty and the majority of your money is in Apple Cash.

You could have even tried using Apple Pay to send money directly to your Cash App account. If so, there's a good possibility your attempt failed because there isn't a direct transfer option available between these two payment platforms.

Don’t worry if Cash App declined your Apple Pay transfer before. Although you can’t transfer funds directly from Apple Wallet to Cash App—and vice versa—you can use an eligible debit card to serve as an intermediary.

However, note that not every linked card offers seamless transfers. Both Apple Pay Cash and Cash App have stringent transfer limits, so you might have trouble sending funds through specific bank accounts.

If you don’t want to waste your time on failed transfers, keep reading.

We reviewed dozens of tips and tricks on transferring funds between Apple Pay and Cash App to give you a comprehensive, easy-to-follow guide. That way, you can fund your Cash App account quickly without wasting money on transfer fees.

How To Transfer Money From Your Apple Pay To A Cash App Account

Follow this straightforward step-by-step guide on moving money from your Apple Pay wallet to your Cash App account.

Step 1: Open Your Cash App account and click on your balance at the bottom left of the screen.

Step 2: The app should direct you to My Cash.

Step 3: Next, you’ll see your available balance and the Add Cash and Cash Out buttons at the top of your screen.

Step 4: Scroll down to your Cash, Bitcoin, Chase Bank, and Credit Card buttons, then hit Cash.

Step 5: The app will prompt you to your Cash App Cash Card menu. Here, you’ll see your ABA routing number and account number. Take note of them.

Step 6: Exit Cash App and go to Settings.

Step 7: Scroll down to Wallet and Apple Pay, click the Apple Cash section, then tap Bank Account.

Step 8: You should see an Add Bank Account button. If not, you likely have an existing card linked, which you’ll need to remove.

Step 9: Next, you’ll get a prompt asking you to input your ABA routing and account numbers.

Step 10: Enter the necessary information and hit next. The bank that your Cash App Cash Card uses should now show up on your screen.

Step 11: Go back to the Apple Cash section and hit Transfer to Bank.

Step 12: Input the amount you want to transfer, select Instant or Regular Transfer, hit Transfer, then confirm the transaction with your Face ID, Passcode, or Touch ID.

Step 13: The money will reflect in your Cash App Cash Card balance after processing.

The Time It Takes To Transfer Money from Apple Pay To Cash App

You have two options when transferring money from your Apple Pay to Cash App account:

Regular Transfer

You can make multiple regular transfers for free as long as you don’t go over your transaction limits. However, each transaction will take 1 to 3 days.

Instant Transfer

You’ll receive your money in real-time, whether you’re sending money to a bank-issued debit card or your Cash App Cash Card.

The longest you’ll wait is 30 minutes. However, Apple Pay charges 1% on every instant transfer you make.

Apple Pay Transfer Limits

Note that you can only move $20,000 every week, and you can’t send more than $10,000 in one transfer. Your Apple Pay wallet limit refreshes after seven calendar days.

However, note that Apple Pay monitors users that frequently max out their accounts. Apple might freeze your funds and lock your account if it suspects you of illegal activities (i.e., money laundering).