Calculate Apple Pay instant transfer fees, understand limits, and learn how fees affect your transfer amount.

How Much Does Apple Pay Charge for Instant Transfers?

When you use Apple Pay to make an instant transfer, Apple charges a fee based on the amount you're transferring. The fee structure is as follows:

Fee Percentage:

Apple charges a fee of 1.5% of the amount being transferred.

Minimum Fee:

The fee is at least $0.25, no matter how small the transfer amount is.
Maximum Fee:

The fee is capped at $15, no matter how large the transfer amount is.

Key Points:

• Percentage Fee: Apple pay always charges 1.5% of the transfer amount.
• Minimum Fee: If 1.5% of your transfer amount is less than $0.25, you’ll still pay $0.25.
• Maximum Fee: If 1.5% of your transfer amount exceeds $15, you’ll only pay $15.

Examples:

Small Transfer Example:

• Transfer Amount: $10
• Calculated Fee: 1.5% of $10 = $0.15
• Applied Fee: Since $0.15 is less than the minimum fee, the fee will be $0.25.
• Total Amount After Fee: $10 - $0.25 = $9.75

Medium Transfer Example:

• Transfer Amount: $1,000
• Calculated Fee: 1.5% of $1,000 = $15
• Applied Fee: Since $15 is exactly the maximum fee, the fee remains $15.
• Total Amount After Fee: $1,000 - $15 = $985

Large Transfer Example:

• Instant Transfer Amount: $20,000
• Calculated Fee: 1.5% of $20,000 = $300
• Applied Fee: Since $300 exceeds the maximum fee, the fee is capped at $15.
• Total Amount After Fee: $20,000 - $15 = $19,985

How much money can I send using Apple Pay Instant Transfer?

You can transfer as little as $1 or your full balance (if under $1) to your debit card or bank account.

The maximum you can transfer in a single transaction is $10,000, and within 7 days, you can transfer up to $20,000.

For Instant Transfers, a fee of 1.5% is deducted from each transfer, with a minimum fee of $0.25 and a maximum of $15.

Instant Transfer limits do not include these fees.

Use Our other Fee Calculator:

Cash App Fee Calculator

FAQs:

What is the minimum fee for an Apple Pay instant transfer?

The minimum fee for an instant transfer is $0.25. If 1.5% of your transfer is less than $0.25, you'll still be charged $0.25.

What is the maximum fee for an Apple Pay instant transfer?

The maximum fee for an instant transfer is $15. Even if 1.5% of your transfer exceeds $15, you will not be charged more than $15.

Can I avoid the instant transfer fee with Apple Pay?

To avoid the instant transfer fee, you can choose a standard transfer, which typically takes 1-3 business days but does not incur a fee.

Is there a limit on the amount I can transfer using Apple Pay instant transfer?

Yes, you can transfer up to $10,000 per transaction and a maximum of $20,000 within a 7-day period.

What happens if I try to transfer more than the limit?

If you attempt to transfer more than the $10,000 per transaction or exceed the $20,000 limit within 7 days, the transfer will not go through.