Apple Cash users will soon pay more when they move money to a debit card using Instant Transfer. Apple has increased both the percentage fee and the maximum charge, which means larger transfers will cost more starting February 18, 2026.
Apple has started sending notices to users about the change. The company confirmed that Instant Transfer will now charge 1.7 percent of the amount, with a minimum fee of $0.25 and a maximum of $25.
Right now, Instant Transfer charges 1.5 percent, with the same $0.25 minimum but a lower $15 cap. That difference becomes clear with bigger transfers. If you move $1,000 today, Apple charges $15. After February 18, that same transfer will cost $17.
Both parts of the fee are rising. Apple increased the base rate from 1.5 percent to 1.7 percent. It also raised the cap from $15 to $25. That means high-value transfers will hit the higher limit more often.
Free transfers still exist
You still have a free option. Standard bank transfers use ACH and take one to three business days. Apple does not charge a fee for those. If you do not need the money right away, this remains the cheapest way to move funds out of Apple Cash.
Instant Transfer lets you move money from Apple Cash to your bank with no waiting time. You start by opening the Wallet app, selecting the Apple Cash card, tapping the three-dot menu, and choosing Transfer to Bank. From there, you can pick Instant Transfer or the free option.
Apple Cash works only in the United States. You can use it in Messages to send and receive money, similar to Venmo, Zelle, or PayPal. With this new fee in place, more users will likely stick with the slower but free bank transfer when time is not an issue.
