Apple Pay won’t transfer funds instantly

Are you using a Visa debit card?

Transfer money from Apple Cash to your debit card or bank account - Apple Support

With Instant Transfer, you can quickly transfer money to an eligible Visa debit card in Wallet. An Instant Transfer is typically available within 30 minutes.

1. Go to your card info:

• • iPhone: open the Wallet app, tap your Apple Cash card, then tap .
  • iPad: open the Settings app, tap Wallet & Apple Pay, then tap your Apple Cash card.

1. Tap Transfer to Bank.
2. Enter an amount and tap Next.
3. Tap Instant Transfer.
4. If you haven't added a Visa debit card, tap Add Card and follow the instructions on your screen to add one.
5. Tap > select the Visa debit card you want to transfer funds to and select the billing information for your chosen debit card.
6. Your funds should transfer within 30 minutes.