Digital payment options such as Apple Pay make it possible to securely send money to other Apple users, friends, or family members. To ensure that funds are readily available for these transactions, you may want to consider adding money to Apple Pay using your debit card. It will allow for seamless transactions and make you eligible for some of the best cashback and rewards available when using Apple Pay. Let’s explore the process of adding money to Apple Pay with your debit card and bank account.
How to Add Money to Apple Pay with Debit Card
With this guide, how you can transfer money from your bank account, debit card, and gift card to the Apple Pay account. Let’s see these processes one by one in the upcoming sections.
Quick Answer
To add money to Apple Pay with a debit card, follow these steps:
1. Launch the Wallet app on your iPhone or iPad.
2. Tap on your Apple Pay Cash card and select the three-dotted icon.
3. Tap on Add Money.
4. Choose the amount you want to add and tap Add.
5. Select your debit card as the payment method and verify the transaction with Touch ID or Face ID.
How to Add Money to Apple Pay with Debit Card
Apple Pay, a software in Apple devices, allows users to make online payments in a safe & secure manner. You can add funds to this software via a debit card and can make transactions with any linked card in your account. To know more about how to add money to Apple Pay with a debit card, follow the subsequent steps:
1. Open the Wallet app on your iPhone.
2. Now, select the desired Apple Cash card.
3. Next, tap on the three-dotted icon from the top right corner.
4. Then, tap on Add Money.
5. Enter the desired amount and tap on Add to add a card.
6. Now, tap on Debit or Credit Card and select Continue.
7. To add a new card, follow the on-screen instructions to add the card details.
8. Confirm the transaction with your Face ID, Touch ID, or passcode.
From now on, you can easily use the card to add funds to Apple Pay.
Note: You won’t need to add money to Apple Pay. It can automatically deduct it when you select the added card for payment.
Also Read: How to Transfer Money from PayPal to Debit Card Instantly
How to Add Money to Apple Pay from Bank Account
Other than your debit card, you can also add funds to Apple Pay straight from your bank account. To do so, you must first link a bank account to Apple Pay. You need your bank account’s Routing and Account Numbers for this purpose. Once done, you will now be able to add money to your phone straight from the bank account without needing a card.
To know in detail how to add money to Apple Pay from a bank account, follow the steps below:
1. First, launch the Wallet app on your iPhone.
2. Now, tap on Apple Cash.
3. Next, tap on the three-dotted icon from the top right corner of the screen.
4. Tap on Bank Account.
5. Now, tap on Add Account.
6. Then, enter the Routing Number and Account Number.
7. Once the details are entered, you will receive a trial deposit from Apple for confirmation.
8. Now, tap on the three-dotted icon from the top again.
9. Select Add Money from the menu.
10. Enter the amount you want to add to Apple Pay and it will reflect within 1-3 business days.
How to Add Money to Apple Pay with Gift Card
You cannot add money directly from the gift card to your Apple Pay account.
But it is possible to add certain gift cards to your Apple Wallet account. This method requires you to have a digital App Store and iTunes Pass created. Let us learn more about how to add money to Apple Pay with a gift card below:
Note: This method is helpful if you want to avoid paying with cash and don’t want to add credit to your account.
1. Open the App Store app on your iPhone.
2. Now, tap on your avatar icon from the top right corner of the screen.
3. Next, tap on Redeem Gift Card or Code.
4. Then, tap on Get Started from the iTunes Pass section.
5. Enter the Apple ID password and tap on OK.
6. Next, tap on Add iTunes Pass to Wallet.
7. Then, tap on the Add option from the top right corner.
8. Finally, tap on Done and the App Store & iTunes Pass will appear.
9. Now, launch the Wallet app on your Apple device.
10. Now, tap on the App Store & iTunes card from the app home screen.
11. A unique QR code will appear which opens your App Store & iTunes Pass.
12. You can show this App Store & iTunes Pass to the employee at an Apple Store and tell them the amount you want to add to your account.
13. Once done, you can pay the employee the desired amount you have chosen.
Also Read: How Do I Use My Vanilla Visa Gift Card Online
How to Get Cash from Apple Pay
To get cash from Apple Pay, you must have a debit account linked with an Apple Pay withdrawal functionality bank. Also, you require an ATM with Apple Pay contactless reader enabled.
To know more about how to get cash from Apple Pay, check the following steps:
1. Double press the power button on your iPhone to see your default card in your Wallet.
Note: Tap on the default card and then select the other desired card if you have multiple ones stored.
2. Now, select the desired debit card.
3. Next, place your phone on the ATM’s contactless symbol.
4. Confirm the transaction with the Touch ID.
5. Finally, enter your ATM PIN to get cash.
How to Get Money off Apple Pay without Card
It is possible to get money off Apple Pay without a card as well. You can use Apple Card as a credit card which works best with Apple Pay and iPhone’s Wallet app. Also, there is always an option for using gift cards to add funds. Other than that, let us explore 4 different ways to get money off Apple Pay without the need for a card:
Method 1: Transfer Money to Bank Account
The easiest way to avoid using a card to get money from Apple Pay is by transferring the funds to a bank account. Apple Pay allows users to withdraw money to their bank account straight from the Apple Pay Wallet. To get this transfer done, follow the steps below:
1. Open the Wallet app on your iPhone.
2. Now, select the desired Apple Cash card.
3. Next, tap on the three-dotted icon from the top right corner.
4. Then, tap on Transfer to Bank.
5. Now, enter the desired amount and tap on Next.
Note: Tap on Add Card to set up a bank account by following the on-screen instructions if you have not already.
6. Then, select the 1-3 Business Days option.
Note: You can also choose the Instant Transfer option for instant transactions with a $0.25 Fee.
7. Finally, tap on Transfer and confirm the payment with your Face ID, Touch ID, or passcode.
Once done, your funds will transfer successfully from Apple Cash to the bank account in 1-3 business days.
Also Read: Long Awaited Arrival of Apple Pay Later is Finally Here
Method 2: Get Apple Pay Cash through Friend or a Relative
Even though you already know how to add money to Apple Pay with a debit card, you can avoid using it and request a friend or a relative for help. This person must have an Apple Pay account and Apple Cash Card. You can send them money through Apple Pay and receive cash in return. To send money to a friend or a relative on Apple Pay, follow the steps given below:
1. Tap on the Wallet app on your iPhone screen.
2. Now, tap on Send or Request.
3. Next, select the desired recipient.
Note: You can also add the desired recipient if you have not already.
4. Tap on Next and enter the desired amount you want to send.
5. Then, tap on the Send option.
6. Finally, confirm the payment with your Face ID, Touch ID, or passcode.
Method 3: Use Apple Pay for Transactions
You can also make use of Apple Pay money for transactions directly wherever they are supported. There are many places like restaurants where you can use your money in Apple Pay directly without the need to withdraw it.
Method 4: Use Titanium Apple Card
Lastly, you can order your own Apple Card and use it as your new debit card. Apple Card also comes with additional benefits like full cash back and other exciting stuff. You can order an Apple Card by following the steps below:
1. Open the Wallet app on your iPhone and tap on your Apple Cash card.
2. Now, tap on the three-dotted icon and select Card Details.
3. Next, swipe down and tap on Get a Titanium Apple Card.
4. Now, follow the on-screen instructions to order one.
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This brings us to the end of our guide on how to add money to Apple Pay with debit card. We hope that you are now familiar with different ways of adding money to Apple Pay, with or without a card. In case of more queries or suggestions, please leave your comments below.
