Apple Cash is a convenient way to send, receive, and store money using your iPhone. But if you want to access that balance in cash, can you withdraw it directly from an ATM or at a store? The short answer:
you can’t withdraw Apple Cash directly from an ATM — but you
can transfer it to your bank or debit card and withdraw it from there. This guide explains exactly how Apple Cash withdrawals work, how to move your funds, and the options that actually let you access your Apple Cash balance as physical money.
Can You Use Apple Cash at an ATM?
No. Apple Cash does not issue a physical card or provide an ATM withdrawal option. Because it’s a virtual card inside Apple Wallet, ATMs can’t recognize it as a debit card. That means you can’t insert your phone or use Apple Cash balance directly to get cash. However, there are two easy workarounds — transferring your Apple Cash to a linked bank account or to an eligible debit card that
can be used at an ATM.
How to Withdraw Apple Cash Using a Debit Card
If you’ve added a debit card to Apple Wallet, you can move your Apple Cash funds instantly and withdraw them from any ATM that accepts that card. Here’s how:
- Open the Wallet app and tap your Apple Cash card.
- Tap the “More” icon, then choose Transfer to Bank.
- Select “Instant Transfer” and choose your debit card.
- Enter the amount you want to move and confirm.
Funds transfer instantly for a small fee (typically 1.5%). Once the money hits your debit card, you can withdraw it from any ATM connected to that card’s network — such as Visa Plus or Mastercard Cirrus.
How to Withdraw Apple Cash by Transferring to Your Bank
If you’d rather avoid the instant transfer fee, you can send Apple Cash to your linked bank account for free. The process takes one to three business days:
- Open Apple Wallet and tap your Apple Cash balance.
- Tap “Transfer to Bank.”
- Select your linked bank account or add one if needed.
- Enter the amount and confirm.
Once the funds appear in your bank account, you can withdraw them using your regular debit card at any ATM or branch.
Can You Use Apple Cash at Stores to Get Cash Back?
Apple Cash works anywhere Apple Pay is accepted, including most major retailers. However,
you cannot get cash back from Apple Cash transactions, even at stores that normally offer cash back with debit cards. That feature only works with physical debit cards, not digital Apple Cash balances. If you want cash on hand, transferring your balance to your debit card or bank remains the only option.
How to Check Your Apple Cash Balance
To check your available Apple Cash balance:
- Open the Wallet app on your iPhone.
- Tap your Apple Cash card.
- Your balance will appear in the top-right corner of the screen.
You can also review transactions, transfers, and deposits directly from this screen for easy tracking.
Apple Cash vs. Apple Card: Know the Difference
Apple Cash is a peer-to-peer payment service — it lets you send and receive money, like Venmo or Cash App. Apple Card, on the other hand, is a credit card issued by Goldman Sachs. The confusion often comes from the fact that Apple Card rewards are paid in Apple Cash. You can transfer those rewards to your bank, but you can’t use your Apple Cash balance directly at an ATM.
Alternatives That Let You Withdraw Cash from Apps
If you frequently move money digitally but still need cash access, consider these popular options:
- Venmo – supports cash withdrawals using its debit card with set daily limits.
- Find Nearest ATM Guide – helps locate fee-free ATMs for your linked debit card.
- Cardless Cash App – learn how mobile wallet apps handle ATM withdrawals.
Each of these platforms connects more directly to physical ATMs than Apple Cash currently does.
Final Thoughts
You can’t withdraw Apple Cash directly from an ATM, but it only takes a few taps to transfer your balance to a debit card or bank account. Once transferred, you can withdraw money from any ATM tied to that card. Until Apple issues a physical card for Apple Cash, your best option for quick cash remains instant transfer to your debit card. For more flexible ATM access, Venmo and Cash App are still ahead in 2025.