Apple Cash is an easy and private way to send and receive money in Messages. Money you receive with Apple Cash goes straight to your Apple Cash card in Wallet, ready to spend anywhere with Apple Pay. Apple Pay is how you spend that money. It lets you make secure, contactless purchases with Apple Cash, Apple Card, or any credit or debit card you add to Wallet.

To send money with Apple Cash, you’ll need to have a balance or a debit card added to Wallet. If you don’t have one yet, tap the + button in Wallet. In Messages, tap the + button, then select Apple Cash. Enter an amount on the keypad and tap Send. In Wallet, choose your Apple Cash card and tap “Send or Request.” You can select from a list of suggested recipients or simply type in a contact. Enter an amount on the keypad, then tap Send. To use Tap to Cash, open the Wallet app and select your Apple Cash card. Tap “Send or Request,” then Tap to Cash. Enter the amount you’d like to send and author

You can use Apple Cash to make purchases just as you would with physical cards and cash. You can spend your Apple Cash using either Apple Pay or your virtual card number. You can also transfer your Apple Cash to your bank account. If you have an Apple Card and choose to automatically save your Daily Cash in a Savings account, you can use Apple Cash to move money in and out.