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How To Get Money Off Apple Pay Without Card (4 Best Ways)

Apple Pay lets you make purchases in stores, on websites, and in apps. Find out how to get money off Apple Pay without card.
how to get money off apple pay without card

We are gradually moving to a digital era, where digital payment methods keep overtaking traditional methods by offering the most convenient ways to easily send and receive payments online.

One of the popular digital payment methods, Apple Pay, counting over 507 million registered users worldwide, it is one of the most used mobile wallets and accounts for more than 92% of the entire mobile debit wallet market in the industry.

Over the years, Apple Pay has strived to offer customers a secure way for transferring money online — following this, Apple Pay was supported by 5,480 banks worldwide in 2020, letting users easily transfer funds from one account to the next.

Though the company offers a flexible way for managing funds through a mobile wallet, some users will always demand more and take their thoughts beyond what is not features by the company notably how to get money off Apple Pay without card.

Though it might sound impossible for many, there are some few ways to withdraw money from your Apple Pay without card.

To address this issue, we've compiled the best ways to help you get money off Apple Pay without card.

Table of Contents

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 Apple Cash.

There are, though, some indirect methods to get money off Apple Pay without card which we'll see later.

Also Read: How To Add Money To Apple Pay Without Debit Card

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.

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.

Also Read: Can I Apple Pay Myself?

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:

  1. Open your Wallet.
  2. Tap your Apple Cash card and select "Transfer to Bank."
  3. Enter an amount and tap "Next."
  4. Tap 1-3 Business Days. If you don't have a bank account set up, follow the instructions on your screen to add one.
  5. 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

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 Card Details the card details button.
  • Scroll down and tap Get a Titanium Apple Card.
  • Follow the instructions on your screen.

You can as well 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.

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.

Benefits of Apple Card

The Apple Card comes with a lot of benefits as follows;

Earn 1%-3% Cash Rebates on Purchases

The Apple Card gives you cash back, or "Daily Cash," on every purchase.

The amount of money you can earn is determined by what you buy and how you pay (i.e., the physical card or Apple Pay).

Overall, the three cash reward tiers are equivalent to those found on other cash back credit cards. Daily Cash rebates on Apple purchases are available upfront and are immediately credited to your Apple card, which you can use as you see fit.

Has No Fees

While many credit card companies are reducing fees, the Apple Card has none — not on a regular basis, like as annual fees.

Not punitive ones, such as those for late payments or exceeding your credit limit.

Integrates Easily With Apple Pay

The Apple Card is designed to be used in conjunction with the Apple Pay mobile payment app.

The card is stored in your mobile device's Wallet app, and you may sign in to use it with Apple Pay for online or in-store purchases.

If you currently use Apple Pay for purchases, this is a really easy card alternative.

Allows You to Pay for Apple Purchases in Installments

Another available feature offered by the Apple card is, it allows you to pay for most Apple items in installments over time with no interest.

Cardholders can enjoy low monthly payments with no interest by simply selecting Apple Card Monthly Installments when shopping in Apple Stores, on Apple.com, or on the Apple Store App.

Is Apple Pay Secure?

Apple Pay is loaded with security features that ensure the safety and security of your transactions.

Apart from excellent encryption and optional two-factor authentication, it includes a chip-based technique known as Near-Field Communication (NFC).

However, Apple Pay statistics have previously revealed some concerning trends.

In 2015, the fraud rate associated with this payment service reached a startling 6%, which is 60 times higher than the typical credit card fraud rate.

The majority of these thefts were caused by Apple making it too simple to fill the system with stolen credit cards, rather than any security flaws on the payment processing side of things.

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.

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.

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About the Author

Graphic Designer, Web Developer, Ethical Hacker, Programmer, Content Creator is what I am and over all a Biochemist with an aim of bypassing all restrictions that separate me from my objectives.

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