How to Send Money with Apple Cash in Messages on iPhone
Jun 07, 2025 am 10:29 AMDid you know you can transfer money to contacts directly from the Messages app on your iPhone? Thanks to Apple Cash, sending and receiving money through the Messages app on iPhone or iPad is simple and seamless, without needing to exit the Messages app.
Apple Cash functions similarly to Venmo, except it is exclusive to the Apple ecosystem. Much like many other iPhone features, Apple Cash is somewhat hidden and might not be noticed by all users.
Let’s explore how you can send money using Apple Cash within the Messages app on your iPhone.
How to Transfer Money with Apple Cash in Messages on iPhone & iPad
Want to send Apple Cash via your iPhone right from the Messages app? It’s straightforward:
Launch the Messages app on your iPhone or iPad.
Start a new chat or open an existing one with the person you wish to send money to.
Press the Apps button (it resembles the letter “A”), followed by selecting the ?Cash icon.
Input the desired amount by clicking the / – buttons or using the keypad.
Tap “Send,” then confirm (or cancel) the payment by pressing Send again with Face ID, Touch ID, or your device passcode.
Verify the transaction by double-pressing the Side/Lock button and authenticating with Face ID, Touch ID, or the device passcode.
You’ve successfully sent the money to the recipient. The transferred funds will show up both in the Messages app and the Apple Cash section of the Apple Wallet app.
Apple Cash provides a highly convenient method for transferring and receiving money among other Apple device users—well, specifically iPhone or iPad users. Its convenience is clear, making Apple Cash a fantastic alternative to Venmo or Zelle for those with iPhones, though there are some peculiarities to consider.
Interestingly, Apple Cash operates independently of the Apple Savings account, and currently, funds are drawn from a separate bank account rather than the Apple Savings account. Additionally, you cannot use an Apple Card for sending money (which might be treated as a cash advance if it were possible), so the funds must originate from a different bank account or debit card. If you haven’t already, you can add a debit card to Apple Wallet and Apple Pay just like adding any other credit card.
At present, there’s no option to withdraw or deposit Apple Cash funds to and from the Apple Savings account, but this omission seems so glaring that it’s likely this feature will be added soon.
Furthermore, Apple Cash supports sending and receiving money via Messages on iPhone and iPad, as well as Apple Watch, but strangely enough, not the Mac. The reason why the Mac lacks this functionality remains unclear, another oversight that seems so evident but hasn’t been addressed yet.
Do you utilize Apple Cash in Messages to exchange money with other iPhone users? What are your thoughts on this feature? Share your opinions and experiences in the comments below.
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