Apple Card
How do I turn off paying my Apple Card balance with Apple Cash
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See the following from How to make Apple Card payments - Apple Support
Turn payments with Apple Cash on or off
If you want to pay from only your bank account without using your Apple Cash balance, follow these steps:
- Open the Wallet app on your iPhone and tap Apple Card.
- Tap to pay.
- Choose a payment amount and tap Pay Now.
- Tap your bank account, then turn Apple Cash on or off.
- Tap the Back button, then authenticate with Face ID, Touch ID, or passcode to make a payment.