How to send money in the Wallet app using Apple Cash
- On your iPhone, open the Wallet app. Then tap your Apple Cash card.
- Tap Send, then select or add the person you want to send money to.
- Tap Next, then enter the amount you want to send.
- Tap Send with Messages, then tap the Send button
to review or cancel the payment. - Confirm your payment with Face ID, Touch ID, or your passcode.
If the person you sent money to has not accepted the money yet, you can cancel the payment.
How to send money in the Messages app using Apple Cash
When you send money using Apple Cash, your Apple Cash balance is used to pay by default. If you want to use a debit card in Wallet instead, you can send money directly from your debit card.
On your iPhone or iPad
- Open the Messages app, then start a new conversation or tap an existing one.
- Tap the Apple Cash button
. If you don’t see the Apple Cash button, tap 
first. - Enter the amount you want to send.
- Tap Pay, then tap the Send button to review or cancel the payment.
- Confirm your payment with Face ID, Touch ID, or your passcode.
If the person you sent money to has not accepted the money yet, you can cancel the payment.
Respond to a request for money on iPhone or iPad
- Open the request in the Messages app, then tap Pay on the message.
- Review the amount to send. Tap Pay to continue, or change the amount.
- Confirm using Face ID, Touch ID, or your passcode and send your payment.
To decline a request for money, just ignore the message.
Use a debit card to send money
By default, your Apple Cash balance is used to send money. If you don’t have enough money in your Apple Cash balance to send the payment, you can pay the remainder with a debit card in Wallet. You can see which card is being used on the confirmation screen.
Learn how to add a debit card to Wallet if you don’t have one added.
Change your payment method
To change the debit card being used to send money, tap the arrow 
. Then choose the card that you want to use, and check that the correct billing address is selected for that card.
You can also choose not to use your Apple Cash balance by turning Apple Cash off under Payment Method.