Best Method To Transfer Money From Apple Pay To Debit Card


Apple Pay is a digital payment service from Apple. We all know that Apple is one of the best mobile phone manufacturers that sell big across the world. Well, apart from making phones, the company is here with a payment service that you can use to buy goods and services across various platforms. You can also send money to other Apple Pay account holders and transfer money to a bank account. I will dwell more on how to transfer money from Apple Pay to a debit card.

Surprisingly, Apple Pay started its operations six years ago and is doing very well. Apple launched the service on October 20, 2014. Since then, the digital company has grown to about 383 million users spread across various countries that support Apple Pay. The company shows a great potential to perform better than companies such as PayPal, Payoneer, Venmo, Skrill, and G Pay, among others.

Apple Pay runs on iPhones, iPads, Apple watches, and Mac computers. However, not all operating systems support Apple Pay. You should have iOS 8.1 or later for Apple phones, iOS 10 or later phones for Apple Pay on the web, you must have OS 11.2 or later for Apple Pay Cash, all watchOS versions, and macOS Sierra or later. Therefore, if you would like to use Apple Pay, you have to upgrade to a supported device.

Opening An Account With Apple Pay

The first requirement you should have is a supported device. As I have mentioned above, not all devices support the payment service. You should follow the steps below to set up your account.

  • Open your Apple Pay app.
  • Sign in with your Apple ID
  • Add a debit, prepaid card, or a credit card to your Wallet

Your card issuer should determine whether your card is compatible with Apple Pay or not. Not all card issuers work with Apple Pay. The importance of adding a payment card is to help in funding your transactions in the Apple Pay wallet.

Even though most financial service companies allow only people over 18 years of age to use their services, Apple Pay allows children of 13 years and above to have Apple Pay accounts.

Process To Transfer Money From Apple Pay To A Debit Card

If you have money in your Apple Pay account, you can quickly transfer it to a Visa debit card using the procedure below.

  • Open your Apple Pay app
  • Go to your card information
  • On your iPhone: Open the Wallet app
  • Hit on your Apple Cash card
  • Tap the more button
  • On iPad: open the Settings app
  • Tap Wallet & Apple Pay and then tap your Apple Cash card
  • Tap Transfer to Bank
  • Enter the amount of money to move and tap Next
  • Select Instant Transfer

If you have not added a Visa debit card, you can add it at this stage. Tap Add Card and follow the guidelines on your screen to add a Visa debit card. Next, tap > to select the Visa debit card to transfer funds to and hit on the billing information for the chosen debit card.

The ability to transfer funds from Apple Pay to a debit card allows you to even transfer money to other digital wallets with Visa debit cards. In that way, you can transfer money from Apple Pay to Cash App by adding the Cash App Cash Card to your Apple Pay account for transfers.

However, you cannot transfer money directly from the Apple Pay wallet to the Cash App wallet. Importantly, the transfer of funds from Apple Pay to a Visa debit card is instant. That means that as soon as you confirm your transaction, then money enters the receiving account within a short moment.

Can You Transfer Money From Apple Pay To A Bank Account


You can transfer money from your Apple Pay to bank account. However, unlike the debit card, the transaction takes 1-3 business days to complete. The procedure below is necessary when moving money to your bank account.

  • Navigate to your card info
  • On iPhone: Open your Apple Pay app
  • Tap your Apple Cash card
  • Tap the more button
  • On iPad: Open your Settings app
  • Tap Wallet & Apple Pay
  • Tap your Apple Cash card
  • Select Transfer to Bank
  • Enter the amount to transfer and hit Next
  • Select 1-3 Business Days
  • Next, confirm the transaction with your Touch ID, Face ID, or passcode
  • Wait for 1 to 3 business days for the money to reflect in your bank account

If no bank account added, you should add one by following the instructions on your screen. Even though bank transfers take that long, you can transfer money from Apple Pay to a bank Instantly when you use a debit card that links to your bank account.

Can You Update The Bank Account On Apple Pay

You can easily update the bank account details, add a new bank account, or modify your current bank account information for better services. You can follow the procedure below to add your bank account details.

  • Navigate to your card info
  • On iPhone: Open your Apple Pay Wallet
  • Tap your Apple Cash card
  • Tap the more button
  • On iPad: Open the Settings app
  • Tap Wallet & Apple Pay
  • Hit on your Apple Cash card
  • Tap Bank Account
  • Tap the bank account to update

In case you want to delete your banking information, hit on ‘Delete Bank Account Information’. Tap once more to confirm. After successfully deleting your account, you can add the bank information once more or add information for a different bank account.

If you want to edit your bank account information, hit next to your routing number or account number and add your information. Next, confirm the numbers and then tap Next. If you have signed in to various devices, the information will automatically update on all devices, and thus there is no need to update the details in every gadget.

Countries Supported By Apple Pay

Apple pay does not operate in all countries of the world. The list below shows the countries where you can use Apple Pay.

i) Africa

South Africa

ii) Asia-Pacific

Australia, China mainland, Hong Kong, Japan, Kazakhstan, Macao, New Zealand, Singapore, Taiwan.

iii) Europe

Austria, Belarus, Belgium, Bulgaria, Croatia, Cyprus, Isle of Man, Italy, Jersey, Latvia, Czech Republic, Denmark, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Greece, Greenland, Guernsey, Hungary, Iceland, Ireland, Liechtenstein, Lithuania, Luxembourg, MaltaRomania, Russia, San Marino, Serbia, Slovakia, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden, Switzerland, Ukraine, United Kingdom, Vatican City.

iv) Latin America and the Caribbean

Brazil, Mexico

v) Middle East

Israel, Saudi Arabia, United Arab Emirates

vi) North America

Canada, The United States.

Note: Despite Apple Pay operating in many countries of the world, it is important to understand that sending and receiving money with both the Apple Pay app and the Apple Cash card is only available in the U.S. The Green Dot Bank, a member of FDIC, offers the app’s money transfer services. The Apple Card, issued by Goldman Sachs Bank USA, Salt Lake City Branch, is only available in the US.

Safety Of Apple Pay

Many people are often worried about transacting online since they think there is a possibility of losing money to fraudsters. There is indeed a possibility of losing money to fraudsters online if you are careless and exposing your login credentials by revealing them or using insecure internet connections. However, in normal circumstances, Apple Pay is very secure to use online.

First of all, you require a password to log into your Apple Pay account. No one else should know the password except you. Secondly, your Apple card has a PIN that helps you to authorize transactions at an ATM. Unless you tell someone about the PIN, no one can use the card.

Moreover, Apple allows you to authorize your transactions using your Touch ID. Your fingers are unique, and no one has a similar sequence of patterns on fingers. Again, Apple Pay’s online data is usually encrypted, meaning it is difficult for a third party to intercept it to get your crucial information.

Lastly, if you are in the US, your money in the Apple Pay account is always safe since it has FDIC insurance. FDIC insures funds up to $250,000, and you can be sure that in case the company collapses, your money will still be available for you.

Does Apple Pay charge fees

Just as it is free to send money with a checking account number instantly to other bank account holders of the same bank as yours, it is free to send money from your Apple Pay account to other account holders using the Apple Cash with normal delivery. The instant transfer of funds to your debit card attracts a fee of 1% of the transaction with a $0.25 minimum and $10 maximum.

Wrap Up

Apple Pay is a digital payment service from Apple. The company started in 2014, and up to date, it has attained millions of customers in various countries of the world. You can use Apple Pay on various Apple devices such as iPhones, Apple Watches, iPads, and Mac computers. You must add a credit, debit, or prepaid card to your Apple Pay wallet to fund your transactions.

Spencer Tierney is a writer and expert on certificates of deposits at His work has been featured by USA Today, MSN, SF Gate, the Los Angeles Times, NerdWallet and more. He earned a bachelor’s degree in English at UC Berkeley.