If you need to get money out of your Apple Pay, using your card should be the first option that comes to mind.
Well, while that's rightfully the most straightforward way, there's still a handful of options available in case you don't want to use your card, and I've compiled four methods to go about doing this.
Can You Get Money Off Apple Pay Without Card?
Yes, you can get money off Apple Pay without card.
However, you should be aware that as of this writing, Apple Pay does not feature any option that lets you withdraw funds from your account without having to use your debit card.
There are, though, some indirect methods to get money off Apple Pay without card which we'll see later.
How To Get Money Off Apple Pay Without Card
The Apple Card can be used as a stand-alone credit card, but it works best when combined with Apple Pay or your iPhone's Wallet app.
The Apple Card can be used to make purchases and receive cash back, with no additional fees or penalties other than interest.
If you've always wondered how to get money off Apple Pay without card, you might find the following methods useful.
1. Ask a Friend or Relative for Help
The first and foremost thing you'll want to do is to request for a friend's help.
Of course, the person must be an Apple Pay user and lust have ordered their Apple Cash card.
Then you'll ask them if they can allow you send them money through Apple Pay and repay you with physical cash.
Apple Pay is a P2P payment service and transfers to other Apple Pay users are usually instant — making this method one of the fastest ways to get money off Apple Pay without card.
You can send money to another Apple Pay user as follows:
- On your iPhone, open the Wallet app.
- Tap "Send or Request" then, select or add the person you want to send money to.
- Tap "Next" then, enter the amount you want to send.
- Tap "Send" then, tap the "Send" button.
- Confirm your payment with Face ID, Touch ID, or your passcode.
2. Transfer Money to Your Bank Account
Apple Pay lets U.S. users directly withdraw money from their Apple Pay wallet to their linked bank account.
However, you might be required to have an Apple Cash card in order to conveniently move funds to your bank account; — learn how to setup Apple Cash if you don't have one yet.
To get this done:
- Open your Wallet.
- Tap your Apple Cash card and select "Transfer to Bank."
- Enter an amount and tap "Next."
- Tap 1-3 Business Days. If you don't have a bank account set up, follow the instructions on your screen to add one.
- Tap "Transfer," then confirm with Face ID, Touch ID, or passcode.
3. Use Apple Pay Where Directly Supported
Another way to get money off Apple Pay without card is to use the your Apple Wallet for transactions where it is directly supported.
Some stores including restaurants and gas stations directly accept Apple Pay as a payment method — this way, you'll be able to use the money in your Apple Wallet directly for purchases without having to withdraw it first.
4. Order Your Apple Card And Use Your A New Debit Card
If none of the aforementioned methods worked out for you, then its good time you consider ordering your own Apple Card and benefit from its full cash back and other exciting features.
To order an Apple card:
- Open the Wallet app and tap "Apple Card" on your iPhone.
- Tap the "More" button the more button, then tap the "Card Details" button.
- Scroll down and tap "Get a Titanium Apple Card."
- Follow the instructions on your screen.
You can also request a replacement card on your iPhone or iPad if your card is lost, damaged, or stolen.
- Open Wallet on your iPhone or iPad.
- Tap "Apple Card."
- Tap the "More" button.
- Scroll down to "Physical Card" and tap "Request Replacement Card" then, follow the instructions on your screen.
After you've ordered your Apple Card, you can request for a new debit card in case you've lost your debit card registed with Apple Pay.
To add a new debit card to Apple Pay:
- Open the Wallet app on your iPhone.
- Tap to "add a card."
- Follow the prompts to add your new debit card to Apple Pay.
Can You Use Apple Pay Online Without A Card?
Yes, you can use Apple Pay online without the Apple Card itself.
However, you might need to have the Apple Cash set up in order to use its virtual number where Apple Pay isn't directly supported as a payment method.
Frequently Asked Questions
How do I withdraw money from Apple Pay?
You can withdraw money from Apple Pay directly to your bank account which should take 1 to 3 business days, or to a linked U.S. debit card which should be done instantly (with a fee).
Where can I use Apple Pay to withdraw money?
You can use Apple Pay to withdraw money at most cardless ATMs including Wells Fargo, Chase and Bank of America. Apple Pay uses near-field communication (NFC) for cardless ATM access. To verify that an ATM is NFC-enabled, look for the contactless symbol and open your Apple Pay Wallet.
Can you use Apple Pay for anything online?
Yes, you can use Apple Pay wherever it is supported, or the Apple Cash wherever card payments are supported.
Where can you use Apple Pay online?
You can use Apple Pay online at any store that accepts Apple Pay payments. You can also use your Apple Cash card wherever Apple Pay isn't directly accepted.
Final Thoughts
Apple Pay is a popular mobile wallet counting millions of registered and active users worldwide.
Your Apple Card let you use your Apple Wallet in a more flexible way for offline and in store transactions.
Usually, withdrawing money from Apple Pay in most cases require the Apple Card and getting money off Apple Pay without card can be tricky.
Thankfully, this guide compiles the best ways to help you get money off your Apple Pay without having to use your card.
Nonetheless, for the best convenience, we'll recommend getting your own Apple Card.