Gone are the days when you had to carry a bunch of cash when going outside. We are now living in a digital era where payments can be made with a swipe of your fingertips. While there are multiple ways to pay online, nothing can beat the ease and security of Apple Pay.

This payment method is no less than a godsend for iPhone users, thus eliminating the hassle of carrying cards and cash. The biggest advantage of Apple Pay is its contactless payment, which has become a need of this hour, especially after the pandemic.

But have you ever thought of getting your money off Apple Pay, and that too without using a card? Well, if you are stuck in this situation and wondering if it is possible, then this guide should interest you. Here, we will discuss multiple ways to get your money off Apple Pay without a card. So, let’s get rolling.

Is it possible to get money off Apple Pay without a card?

Before we embark on the journey to getting your hard-earned cash off Apple Pay, let’s first outline if this process is possible in real time. And you’ll be glad to know that it’s possible to do so.

But here’s a word of caution – Apple doesn’t offer this feature officially. According to iOS officials, you cannot withdraw money from Apple Pay cash and only use it in the Apple Pay Cash card to buy things in stores that accept this payment method.

However, you can transfer money to your bank or eligible debit card using the steps mentioned below. When you send money from your Apple Cash card to the bank, it might take around 1 to 3 days to complete the transfer.

Here’s how to send money from Apple Cash to an eligible debit card.

  1. Open the wallet app on your iPhone and tap the Apple Cash Card.
  2. Tap on the More button and select Transfer to Bank option.
  3. Enter an amount you wish to transfer and tap “Next”.
  4. Select “Instant Transfer”. Ensure you’ve already added an eligible debit card and avoid obstructing the process at this moment.
  5. Once done, tap Transfer and select the debit card you want to transfer funds. Choose the billing information and wait for up to 1 to 3 days to complete the payment.

As soon as you are done transferring funds, you can then withdraw your money from your debit card or bank account. But what if you can’t access your debit card? Is there any way to get money off Apple Pay without a card? Relax, the answer is YES.

While no official alternatives are yet available, we’ve speculated some unofficial methods to get the job done. So, are you ready to unleash the secretive path? Scroll down and pen down these methods for your convenience.

The 4 Proven Tips to Get Money Off Apple Pay Without a Debit Card

As already mentioned, you cannot withdraw money directly from Apple Pay, but there are some workarounds that may help you fulfill this desire. If you are ready to do a bit of legwork, read on the guide to the end and try these foolproof methods to get your money off Apple Pay even when you can’t access your debit card.

Let’s unveil the guide now!!

1.      Use Apple Pay at Multiple Outlets

The easiest way to utilize money in your Apple Pay wallet is to make contactless payments using this method wherever possible. A majority of gas stations, restaurants, and grocery stores are now accepting Apple Pay as one of their leading payment methods. Hence, it’s best to make direct payments using Apple Pay and make the best out of your money without accessing your debit card.

However, before making purchases, make sure that a specific store accepts Apple Pay; otherwise, you can get stuck in the middle of the payment process.

2.      Go to the Bank and withdraw payment directly

Okay, you don’t have a debit card, but you can visit the nearest branch of your bank and withdraw money directly without using a debit card. But, to use this method, iPhone users must first transfer their money from Apple Pay to their bank account securely, and wait for around 1 to 3 days to complete the transaction.

Also, make sure your bank account has already been set up to avoid any further hassle. Here’s how you can transfer money.

  • Launch the wallet app on your iPhone, and select the Apple Cash Card.
  • Expand the menu by tapping the “More” button (represented by three horizontal dots) and select the “Transfer to Bank” option.
  • A new page will appear on the screen where you’ll be prompted to enter an amount you wish to transfer.
  • Select the “Transfer” button and confirm your action using Face ID/ Touch ID/ Passcode.
  • Now, sit back and wait for up to 1 to 3 days to complete the transaction.
  • Once it’s done, go to your Bank, and follow their process to withdraw money from your bank account directly.

3.      Transfer money to your friend’s Apple Pay and ask them to pay cash

Honest speaking, this method has the least chance of success, but still, you can try if you are in dire need of cash and have a go-to person who can help. Apple Pay is a P2P payment services, so you can easily transfer money from your wallet to another Apple Pay user and ask him to give you cash in return.

If you are using Apple Pay for the first time, here’s how you can send money to your friend.

  • Open the wallet app and select Apple Cash Card.
  • Choose the person you want to send money to and enter the amount you wish to transfer.
  • Tap the Send button and confirm your payment with a passcode, touch id, or face ID.
  • Once done, ask your friend to do a favor and give you cash in return of the Apple Pay transaction.

4.      Order a new debit card

If none of the tricks are feasible for you, then it’s best to order a new debit card and sort this problem out. You can easily request a new card by manually visiting your bank or through their official website.

In addition, if you can also opt for Apple Card and use it to get your money off Apple Pay. This card is widely applauded for hassle-free payments, massive cashbacks, and various other exciting features.


That’s all about the tactics to withdraw your money from Apple Pay. Be mindful that there’s no official or direct way to get this done; hence, you must have to invest in some extra energy and effort to get your money off.

Hopefully, our research and hardship will pay off and you can now be able to fulfill your cash requirements using Apple Pay. Feel free to share your feedback with us. We would like to hear your thoughts.

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Vineet Maheshwari is a passionate blogger and relationship oriented digital marketing consultant with over 10 years of experience in SEO, PPC management, web analytics, domain investing, affiliate marketing and digital strategy. He has helped high tech brands connect with customers in an engaging manner, thereby ensuring that high quality leads are generated over time.