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Written by Drew Cochran on March 25, 2023
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How To Transfer From Cash App To Apple Pay 2023

Cash App and Apple Pay are both popular money apps that make it easy to send and receive money from your phone.

However, transferring money between the two apps can be a bit of a challenge, and may leave you feeling stressed out.

Luckily, with the right instructions, you can easily transfer money from Cash App to Apple Pay and take advantage of both!

Today, we're going to guide you through the exact process step-by-step so you can quickly and securely transfer funds between these two great payment platforms.

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For example, if you transferred a brokerage account worth $50,000 - that would be a bonus of $500.

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How To Transfer From Cash App To Apple Pay

Unfortunately, there are no direct means to move cash from Cash App to Apple Pay.

However, you can still move money between these accounts easily.

The process is actually just three steps:

  1. Link Your Bank To Apple Pay & Cash App
  2. Transfer Your Money From Cash App To Your Bank
  3. Transfer Money From Your Bank To Your Apple Wallet

Let's break down each part step by step!

1. Link Your Bank To Apple Wallet & Cash App

First, you'll need to link the same bank account to your Apple Pay and your Cash App.

For this method, you'll need to have your bank account number and routing number securely copied.

This should be for a checking account, and it needs to be the same bank account for both apps.

You can find your bank account number on your monthly statements, and usually in your account details when logged in to your bank account's website. Copy this information down safely, as we'll need to enter it into both Cash App and Apple Pay.

Have all this set up already? Skip on down to step 2!

Linking Your Bank to Apple Wallet

Follow these instructions to link your bank account to your Apple Wallet:

  1. Open the Wallet app on your iPhone or iPad.
  2. Tap on the plus sign (+) in the upper-right corner.
  3. Select "Add Credit or Debit Card" or "Add Bank Account."
  4. Follow the on-screen instructions to enter your card or account information.
  5. If prompted, enter the verification code that was sent to you by your bank.
  6. Agree to any terms and conditions presented.
  7. Wait for your bank to verify your account, which may take a few minutes or longer.
  8. Once verified, your new bank account will be added to your Apple Pay.

Note: You can also add a new bank account to your Apple Pay from the Settings app. Go to Settings > Wallet & Apple Pay > Add Credit or Debit Card or Add Bank Account, and follow the on-screen instructions.

Linking Your Bank To Cash App

Now, to link the same bank account we placed in your Apple Wallet to your Cash App, take these steps:

  1. Open the Cash App on your phone.
  2. Tap on the "Banking" tab on the home screen.
  3. Select "Add a Bank" and choose your bank from the list or search for it by name.
  4. Enter your online banking username and password, or follow the prompts to enter your account and routing numbers manually.
  5. If prompted, confirm your identity with additional information such as your full name, date of birth, and Social Security number.
  6. Once your bank account is linked and verified, you can transfer funds between your bank and Cash App account.

Note: Depending on your bank, you may be prompted to authenticate the link between Cash App and your bank account through an additional security measure, such as two-factor authentication or a security code sent to your phone. Be sure to follow any additional prompts that may appear to complete the linking process.

2. Transfer Your Money From Cash App To Your Bank

Now that your bank is linked to both accounts, we can move your money out of Cash App and into your bank.

Complete the following steps to "Cash Out" from your Cash App:

  1. Open the Cash App on your phone.
  2. Tap on the "Banking" icon in the bottom left corner.
  3. Select the "Cash Out" button.
  4. Enter the amount of money you want to transfer.
  5. Choose the correct bank account to transfer to.
  6. Confirm the transfer by entering your PIN or Touch ID, if prompted.
  7. Wait for the transfer to complete, which may take up to 3 business days for a standard transfer.

Note: Cash App charges a fee for instant transfers, which can transfer money to your bank account instantly but will cost a percentage of the transfer amount. Be sure to check the fee before you initiate the transfer if you need the money to be available immediately.

3. Transfer Your Money From Your Bank To Apple Pay Wallet

After your money has settled into your bank account, you can finally transfer it into your Apple Wallet.

Take the following steps to fund your Apple Wallet with your bank account:

  1. Open the Wallet app on your iPhone or iPad.
  2. Tap on your Apple Cash card, which is located at the top of the screen.
  3. Tap on the "..." button in the upper-right corner.
  4. Select "Add Money."
  5. Enter the amount of money you want to add to your Apple Pay account.
  6. Tap "Add" and select your linked bank account as the funding source.
  7. Tap "Add" again to confirm the transfer.

Note: It may take a few days for the money to be available in your Apple Pay account, depending on your bank's processing time. Additionally, some banks may charge a fee for transferring money to your Apple Pay account, so be sure to check with your bank before initiating the transfer.

Things To Consider...

Because there's no direct way to send money between Cash App and Apple Pay, you'll need to perform 2 bank transfers using the same linked bank.

With any of these money apps, there's always a free standard transfer method that takes "1-3 business days", and an instant transfer method that costs a percentage of the funds you move over.

Make sure you choose the right transfer method both times depending on whether you'd rather keep your money, or get it quicker.

Pressing that "send" button too quickly can be the difference between having your money when you actually need it, or not. 

On the other hand, instant transfers can be great when you are in a pinch, but realize that they are not free, and that "change" you pay can add up over time! If you're moving a larger amount of money, you may want to reconsider using the free standard transfer option.

Don't forget to grab your free stock worth up to $200 from Robinhood today!

Article written by Drew Cochran

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