How can I download from the cloud to my iPhone ?
How can I get my photos in the cloud to my phone ?
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See the following Apple articles:
How to use iCloud on iPhone
How to use iCloud on iPhone – Apple Support (UK)
Get help with iCloud Photos
Get help with iCloud Photos - Apple Support
Set up and use iCloud Photos
Set up and use iCloud Photos - Apple Support (IN)
Access and view iCloud Photos on your iPhone, iPad or iPod touch
Access and view iCloud Photos on your iPhone, iPad or iPod touch – Apple Support (UK)