Apple Pay Transaction Limits and Fees

You can send up to $1,000 per transaction on Apple Pay.

The daily limit for Apple Pay transactions is $2,000, but this can vary depending on your bank's policies.

Apple Pay doesn't charge any fees for transactions made in the US, but you may be charged a foreign transaction fee if you use Apple Pay abroad.

The minimum transaction amount on Apple Pay is $1, so you can't send less than that to another user.

There's also a maximum transaction limit of $10,000 per individual payment, giving you plenty of flexibility for sending money to friends.

You can send up to $10,000 in a single transaction, making it a reliable option for splitting bills or sending larger gifts.

You can add a minimum of $10 to your Apple Pay Cash card balance at a time.

There's a maximum of $3,000 you can add to your balance in a single transaction.

Curious to learn more? Check out: How to Add Credit Cards to Apple Wallet

Over a 7-day period, you can add up to $10,000 to your balance.

You can send a minimum of $1 to another Apple Pay user in a single transaction.

The maximum amount you can send to someone in a single transaction is $10,000.

Here's a quick summary of the daily limits for Apple Pay:

Weekly Limits are in place to prevent excessive spending. The maximum limit for Apple Pay transactions varies by country and region.

In the US, for example, the daily limit for Apple Pay transactions is $2,500. This limit applies to all transactions made with Apple Pay, regardless of the payment method used.

If you're traveling abroad, be aware that the daily limit for Apple Pay transactions may be lower in some countries. For instance, in the UK, the daily limit is £2,500, while in Australia, it's AU$2,500.

You can check your Apple Pay daily limit by going to the Wallet app on your iPhone or iPad, tapping on your Apple Cash card, and looking for the "Daily Limit" section.

Suggestion: Apple Pay Limit to Send

Monthly limits vary depending on the card issuer, but most Apple Pay users can make up to 10 transactions per day.

Some card issuers may have a daily spending limit of $1,000 to $3,000, while others may have a higher or lower limit.

If you're trying to make a large purchase, it's best to check with your card issuer to see if they have any specific limits in place.

In some cases, card issuers may also have a monthly limit on the total amount that can be spent using Apple Pay.

Curious to learn more? Check out: Pay Apple Card with Apple Cash Not Available

Apple Pay transactions are free for most users, but there are some exceptions.

If you're using a debit card, you won't be charged any fees.

However, if you're using a credit card, you may be charged a foreign transaction fee, which can range from 1% to 3% of the transaction amount.

Consider reading: How to Apply Apple Cash to Apple Card

Fees for Money Transfer can be a bit of a minefield, but don't worry, we've got you covered.

No fees are charged for payments from debit cards or Apple Pay Cash cards, making them a great option if you want to avoid extra costs.

If you use a credit card, however, you'll be charged a 3% fee of the total amount.

The fee structure is pretty straightforward, and it's worth noting that using a debit card or Apple Pay Cash card can save you from paying this extra charge.

Here's a quick rundown of the fees:

Instant transfers to an eligible debit card come with a 1.5% fee, ranging from a minimum of 0.25% to a maximum of $15 per transfer.

Some fees are unavoidable, like the $25 late payment fee charged by banks for missed payments.

Utility companies may also charge a $10 fee for processing payments by phone.

If you're using a credit card to pay bills, be aware that credit card companies often charge a 2-3% fee for processing payments.

In some cases, a $5 fee is charged for using a credit card to pay bills online.

Discover more: Apple Pay Automatic Payments

Adding and managing your balance on Apple Pay Cash is a straightforward process. You can add money to your balance using a debit or prepaid card, but be aware of the limits.

The minimum amount you can add to your balance at a time is $10. This means if you only want to spend $5, you'll need to add at least $10 to your balance.

Apple Pay Cash also has a maximum transaction limit of $3,000 per transaction from a debit or prepaid card.

The daily limit is a bit more restrictive, but still reasonable. You can only add up to $10,000 to your balance over a 7-day period.

Here's a quick summary of the limits to keep in mind:

Keep in mind that these limits are set by Apple, but your debit or prepaid card's issuing bank may also have their own limits that apply.

You can send domestic USD payments using Apple Pay and Apple Cash to people within the US. This feature is available to users with an eligible Apple device.

Apple Pay payments can only be made to other people within the US at the moment. If you need to send money internationally, you can use low-cost international transfers funded through Apple Pay with Wise.

If you've received money through Messages, or if someone has sent you a payment using Apple Wallet, the funds will be added to your Apple Cash card.