You can disable Apple Cash in your Wallet settings, and the process takes about two minutes

Apple Cash is a digital wallet feature built into your iPhone, iPad, or Mac that lets you send money to other people and make purchases. If you no longer want to use it, you can turn it off without deleting your Apple ID or affecting any other services. The steps differ slightly depending on whether you use an iPhone, iPad, or Mac, but the setting is in the same place: your Wallet app.

Disabling Apple Cash does not automatically refund any money sitting in your Apple Cash balance — you will need to transfer that out first. Once you turn it off, you cannot send or receive money through Apple Cash until you turn it back on.

Key Takeaways

  • You must transfer any remaining Apple Cash balance to your bank account before you disable the feature, or that money will stay locked in your account.
  • On iPhone and iPad, open Wallet, tap your Apple Cash card, then go to Card Settings and select Disable Apple Cash.
  • On Mac, open Wallet in System Settings, find your Apple Cash card, and choose the option to disable it.
  • Disabling Apple Cash does not affect your regular Apple ID, iCloud account, or any other Apple services.
  • You can turn Apple Cash back on at any time by reversing these steps.

How to disable Apple Cash on iPhone or iPad

Open the Wallet app on your home screen. Tap your Apple Cash card — it shows your name and a green or blue background. At the top right, tap the three dots (the menu icon).

Tap Card Settings. Scroll down to the bottom of the screen. You will see an option that says Disable Apple Cash or Turn Off Apple Cash (the exact wording varies by iOS version). Tap it. A confirmation message will appear asking if you are sure. Tap Disable or Confirm to finish.

If you see a message saying you have a balance remaining, you must transfer that money to your linked bank account first. Go back to your Apple Cash card, tap the three dots again, and look for Transfer to Bank. Enter the amount and follow the prompts. This usually takes one to three business days. Once the transfer is complete, return to Card Settings and disable Apple Cash.

How to disable Apple Cash on Mac

Click the Apple menu in the top left corner and select System Settings (or System Preferences on older macOS versions). Click Wallet & Apple Pay in the sidebar. You will see your Apple Cash card listed under your payment methods.

Click your Apple Cash card to select it. Look for a button or option that says Remove or Disable. Click it and confirm when prompted. As with iPhone, make sure you have transferred any remaining balance to your bank account before you remove the card.

What happens to money in your Apple Cash account

When you disable Apple Cash, any money sitting in your account does not disappear — it stays there. However, you will not be able to spend it or send it to other people while the feature is disabled. The only way to access that money is to transfer it to a linked bank account before you turn off Apple Cash.

To transfer your balance, open Wallet on iPhone or iPad, tap your Apple Cash card, tap the three dots, and select Transfer to Bank. Enter the amount you want to move (you can transfer all of it or just part). The money will arrive in your bank account within one to three business days. On Mac, you may need to use your iPhone or iPad to complete this transfer, as the Mac Wallet app has limited functionality.

Turning Apple Cash back on later

If you change your mind, you can re-enable Apple Cash by reversing these steps. On iPhone or iPad, open Wallet, tap the plus sign to add a new card, and select Apple Cash. On Mac, go to System Settings, click Wallet & Apple Pay, and look for an option to add Apple Cash. You will need to verify your identity and agree to the terms again, but any previous transaction history will still be there.

Re-enabling Apple Cash does not require a new bank account or any additional setup beyond what you did originally. If you had a balance before you disabled it, that balance will be restored once you turn the feature back on.

Why you might want to disable Apple Cash

Some people disable Apple Cash because they prefer to use other payment apps like PayPal or Venmo, or because they do not send money to other people often enough to justify keeping the feature active. Others turn it off for security reasons — removing unused payment methods from your devices reduces the number of places where your financial information is stored.

Disabling Apple Cash does not affect your ability to use Apple Pay for purchases in stores or online. Those are separate features. You can have Apple Pay turned on while Apple Cash is turned off, or vice versa.

Frequently Asked Questions

Will disabling Apple Cash delete my transaction history?

No. Your past transactions remain in your Wallet app even after you disable Apple Cash. You can still view them for record-keeping or dispute purposes. The history is only deleted if you remove your Apple ID from the device entirely.

Can I disable Apple Cash on one device but keep it on another?

Yes. Apple Cash settings are device-specific, so you can turn it off on your iPhone while keeping it active on your iPad or Mac. However, they all use the same Apple Cash account and balance, so disabling it on one device does not affect the others.

What if I have pending transfers when I disable Apple Cash?

Any money you have already sent to someone else will still go through, even if you disable Apple Cash afterward. However, you will not be able to send new transfers once the feature is off. Incoming transfers from other people will fail if you try to receive them while Apple Cash is disabled.

Do I need to contact Apple support to disable Apple Cash?

No. You can disable it yourself through the Wallet app or System Settings in a few taps. You only need to contact Apple if you run into an error message or cannot find the disable option on your device.

Will disabling Apple Cash affect my credit score?

No. Apple Cash is not a credit product — it is a prepaid account funded by money you already have. Disabling it has no impact on your credit history or score.