Open the Wallet app on your iPhone
Tap your Apple Cash card
Tap the Send button
Enter the amount you want to send
Tap Pay
Choose or confirm the recipient
Authenticate with Face ID, Touch ID, or passcode
Confirm the payment
To send money from Messages, open a conversation
Tap the Apple Pay button
Enter the amount
Tap Pay
Review the payment
Authenticate with Face ID, Touch ID, or passcode
Confirm the transfer
Make sure Apple Cash is set up
Make sure you have a supported debit card or Apple Cash balance
Make sure the recipient can receive Apple Cash payments
Check that you are in a supported country or region