What is the APPLE CASH charge?

Why it shows up like this

APPLE CASH is the digital card that lives in the Wallet app and lets people send or receive money inside a Messages conversation. The balance itself is held by Green Dot Bank, Member FDIC, which is Apple's banking partner, so the line is legitimate Apple money movement even when a second bank name appears next to it.

The most common trigger is Add Money. When you top up your Apple Cash balance from a linked debit card, that transfer posts to the card as a purchase. A payment you send in Messages can also pull straight from the linked card when your Apple Cash balance is lower than the amount you are sending, which surprises people who assumed the money came from an existing balance.

Auto Reload is the other source of confusion. If you turned it on, Apple Cash refills your balance by a set amount whenever it drops below a threshold, producing charges you did not start by hand each time. Because every send, top-up, and reload is confirmed on your own device with Face ID, Touch ID, or a passcode, an unfamiliar line almost always traces back to your household rather than an outside charge.

Don't recognize it? You might still

Apple Cash sits between your card and the people you pay, so a line you do not remember usually points to a top-up or a shared device rather than a stranger.

• You sent money in a Messages thread and the amount was pulled from your debit card instead of a stored balance.
• Auto Reload topped up your Apple Cash balance automatically after it dipped below the limit you set.
• A Family Sharing member sent money or made an Apple Cash purchase using a card you manage.
• An older Apple Pay Cash label, from before the 2018 rename, still shows up in some transaction feeds.

What to do, in order

Match the charge to an Apple Cash action before treating it as fraud. The detail lives on your own iPhone.

1. Open Wallet and tap your Apple Cash card Scroll the transaction list to find the matching top-up or payment, and see who received it or when the balance reloaded.
2. Check your Auto Reload settings Tap the More button on the Apple Cash card, open the Add Money or Auto Reload screen, and switch off automatic top-ups if you do not want unattended charges.
3. Ask the recipient to return a mistaken send A payment that has already been accepted cannot be reversed by Apple. Request the money back in the same Messages thread, or contact Apple Support while it is still pending.
4. Turn off or close Apple Cash if needed Move any remaining balance to your bank, then go to Settings, then Wallet & Apple Pay, to disable Apple Cash entirely.

Quick questions

Two things people ask most about unexpected Apple Cash lines.

Part of a family

APPLE CASH is one of the APPLE.COM/BILL charges lines — see the whole family decoded.

Verified sources

Every claim on this page is checked against official sources — open them to confirm before you call your bank.

• Apple Support — Set up and use Apple Cash https://support.apple.com/en-us/HT207587
• Apple — Apple Cash overview and help https://support.apple.com/apple-cash