How to Add Money to Apple Pay: A Step-by-Step Guide
Apple Pay is a secure and convenient way to make purchases in stores, apps, and online. If you use Apple Cash—a digital card inside your Apple Wallet—you can add funds and use that balance wherever Apple Pay is accepted. Whether you want to split a bill, send money to a friend, or simply make purchases, topping up your Apple Cash balance is easy.
Here’s a step-by-step guide on how to add money to Apple Pay using your iPhone.
What You’ll Need
Before you begin, make sure:
- You have an iPhone with iOS 11.2 or later.
- You’re at least 18 years old and a U.S. resident.
- You’ve set up Apple Cash in your Wallet app.
- You’ve linked a debit card or eligible bank account to Apple Pay.
How to Add Money to Apple Pay
Step 1: Open the Wallet App
- Locate and open the Wallet app on your iPhone.
Step 2: Tap Your Apple Cash Card
- In your Wallet, tap the Apple Cash card.
- Tap the More button (•••) in the top-right corner.
Step 3: Tap “Add Money”
- Select Add Money from the menu.
Step 4: Enter the Amount
- Type in the amount you want to add.
- Minimum: $10
- Maximum: $10,000 per week
Step 5: Choose Your Payment Method
- Select a debit card or bank account already linked to your Apple Pay.
Step 6: Confirm and Authenticate
- Tap Add, then use Face ID, Touch ID, or your passcode to confirm the transaction.
The money will be instantly transferred to your Apple Cash balance.
How to Link a Debit Card (If You Haven’t Yet)
If you haven’t linked a card yet:
- Go to Settings → Wallet & Apple Pay.
- Tap Apple Cash, then tap Add Card.
- Follow the on-screen instructions to add a debit card.
Note: You can only add money using a debit card or an eligible bank account—credit cards are not supported for Apple Cash funding.
Tips & Things to Know
- Apple Cash Balance: You can use your Apple Cash balance to make purchases via Apple Pay, send money through iMessage, or transfer it to your bank.
- No Fees: Adding money from a debit card doesn’t incur any fees.
- Limits: You can add up to $10,000 within a 7-day period.
- Transfers: You can also transfer money from Apple Cash to your bank at any time.
Final Thoughts
Adding money to Apple Pay via Apple Cash is quick and simple. As long as you’ve got a debit card linked and Apple Cash set up, funding your balance takes just a few taps. Whether you’re paying for coffee, groceries, or sending money to friends, keeping a balance in Apple Cash makes Apple Pay even more convenient.
