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How to Add Money to Apple Pay: A Comprehensive Guide

Are you trying to figure out how to add money to Apple Pay? Apple introduced its mobile payment solution, Apple Pay Cash, in late 2017 as a contender against other popular platforms like PayPal and Venmo. Here, we’ll walk you through the steps to ensure you’re never left without some extra cash on your Apple Pay Cash card.

Introduction to Apple Pay

Introduction to Apple Pay

Apple Pay, launched by Apple Inc., offers a secure and private way to pay on the iPhone, Apple Watch, iPad, and Mac. Apart from making purchases, Apple Pay also features Apple Pay Cash, a mobile wallet allowing users to send and receive money directly through the Messages app.

Why Add Money to Apple Pay?

By adding money to your Apple Pay Cash card, you:

  • Enable easy person-to-person payments.
  • Can make purchases without relying on a linked bank card.
  • Have an emergency fund handy, right in your digital wallet.

Step-by-Step: How to Add Money to Apple Pay

How to Add Money to Apple Pay

Follow the steps below to learn how to add money to Apple Pay:

  1. Accessing Settings: Begin by tapping on your device’s “Settings” icon.
  2. Enter the Wallet: Within Settings, select the “Wallet & Apple Pay” option.
  3. Tap on Apple Pay Cash: Under the Cards section, choose “Apple Pay Cash” to view your card details.
  4. Add Funds: You’ll see an “Add Money” option within the Balance segment. Tap it to move to the next step.
  5. Input Amount: A screen will appear prompting you to input the desired dollar amount. Remember, you cannot add less than $10.
  6. Complete the Transfer: After entering the amount, confirm by tapping “Add”. You’ll be presented with linked debit or prepaid cards from which you can source the funds. Use Touch ID or Face ID (depending on your device) to authorize the transaction.

Once completed, your Apple Pay Cash balance will update, showing the freshly added amount. Moreover, if you want to know if Walmart and McDonald’s accept Apple Pay or not, check out our posts. 

Frequently Asked Questions (FAQs)

Q1. Is there a limit to how much money I can add to Apple Pay Cash at one time?

Yes, while the minimum amount you can add is $10, Apple has set a maximum amount you can add to your Apple Pay Cash card at once. This amount might vary depending on your region and any security checks in place. It’s always good practice to check Apple’s official guidelines or contact Apple support for specifics related to your account.

Q2. Can I use any debit or credit card to add money to Apple Pay?

You can add money to your Apple Pay Cash balance using a debit card or a prepaid card that’s already connected to Apple Pay. Credit cards, however, cannot be used to fund your Apple Pay Cash balance, but they can be used for other Apple Pay transactions.

Q3. Is there a fee for adding money to my Apple Pay Cash card?

When you add money to your Apple Pay Cash card using a debit or prepaid card linked to Apple Pay, there is no fee. However, always be aware of any charges or fees your bank might impose on transactions.

Q4. How long does it take for the added funds to reflect in my Apple Pay Cash balance?

Generally, the funds you add to Apple Pay Cash are available immediately. However, in some cases, it might take a little longer for the transaction to process. If your balance hasn’t been updated after a considerable amount of time, it’s recommended to contact Apple support or check with your bank for any potential issues.


The process to top up is straightforward, ensuring every Apple Pay user can benefit.

For those looking to embrace a digital wallet’s conveniences, understanding how to add money to Apple Pay is essential. Adding money to your Apple Pay Cash card allows for swift, easy payments and provides a handy digital emergency fund. With this knowledge in hand, you’re well-equipped to make the most of this innovative payment solution.

Author Profile

Elizabeth Jones
Elizabeth Jones is one of our editorial team’s leading authors on credit card offers, services & more. With over two decades of experience in the consumer credit industry and as a nationally recognized credit expert, Elizabeth provides in-depth analysis of both traditional & alternative forms of credit. Elizabeth regularly appears on many major media outlets including NBC Nightly News, Fox Business Network, CNBC & Yahoo! Finance. She is also a frequent contributor to Forbes Magazine. As a highly appreciated author for our exclusive Editorial Team, Elizabeth strives to provide readers with a trustworthy advice on how to manage their credit accounts while staying informed on the latest offers in the marketplace.

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