Cash App has more features (Bitcoin, stocks, Borrow); Apple Cash is simpler and better integrated for iPhone users. Here is the full 2026 comparison.
Apple Cash vs Cash App: At a Glance
| Feature | Apple Cash | Cash App |
|---|---|---|
| Platform | iPhone/Mac only | iOS and Android |
| Sending limit (verified) | $10,000/week | $7,500/week |
| Credit card send fee | 3% | 3% |
| Instant transfer fee | 1.5% (max $15) | 0.5–1.75% (min $0.25) |
| Standard transfer | Free (1–3 days) | Free (1–3 days) |
| Debit card | Yes (Mastercard) | Yes (Visa — Cash Card) |
| Debit card cashback | 1–2% (Daily Cash) | Boosts (merchant discounts) |
| Bitcoin | No | Yes |
| Stock investing | No | Yes |
| Borrow (loans) | No | Yes ($20–$200) |
| Direct deposit | Yes (2 days early) | Yes (2 days early) |
| FDIC insured | Yes (Green Dot) | Yes (Sutton Bank, with Cash Card) |
| Android | No | Yes |
Sending Limits
| Limit | Apple Cash | Cash App |
|---|---|---|
| Verified weekly limit | $10,000 | $7,500 |
| Unverified limit | $2,000/week | $250/week |
| Per transaction | $10,000 | $7,500 |
Apple Cash has the slightly higher verified limit. Cash App’s unverified limit ($250/week) is far more restrictive before verification.
Fees Side-by-Side
| Fee type | Apple Cash | Cash App |
|---|---|---|
| Send from balance/debit | Free | Free |
| Send from credit card | 3% | 3% |
| Instant bank transfer | 1.5% (max $15) | 0.5–1.75% (min $0.25) |
Instant transfer example on $1,000:
- Apple Cash: $1,000 × 1.5% = $15
- Cash App (best rate): $1,000 × 0.5% = $5
Cash App can be significantly cheaper for instant transfers at higher dollar amounts.
Extra Features
| Feature | Apple Cash | Cash App |
|---|---|---|
| Bitcoin | No | Yes (1.5–3% spread) |
| Stock investing | No | Yes ($1 min, $0 commission) |
| Borrow | No | Yes ($20–$200, 5% flat fee) |
| Taxes | No | Yes (free federal + state) |
| Business profile | No | Yes |
| Paper money deposit | No | Yes (at retailers) |
If you want any of these features, Cash App is the only option.
Who Should Use Each
Choose Apple Cash if:
- You primarily pay iPhone contacts (iMessage integration is seamless)
- You want simplicity with no extra financial features
- You already have an Apple Card and use Apple Savings
Choose Cash App if:
- You need Android compatibility
- You want Bitcoin or stock investing in the same app
- You want cheaper instant transfers on larger amounts
- You want the Cash Card’s Boost discounts
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