How do I receive my Apple Cash?

Some things you can do with Apple Cash:

Transfer it to a bank account or debit card. See instructions in: Transfer money in Apple Cash to your bank account or debit card - Apple Support

Send it to someone else: Send and receive money with Apple Cash - Apple Support

Use it to buy something where Apple Pay is accepted: Make purchases using Apple Pay - Apple Support

Use it to make a payment on your Apple Card balance (if you have an Apple Card): How to make Apple Card payments - Apple Support

To put it simply, Apple Cash is a DEBIT card, not a credit card, and debit cards are always attached to bank accounts as the source of funds. So first you must attach your Apple Cash to a bank account. Then you can transfer money from that bank account to the Apple Cash card. The reverse also works. If you have cash in the Apple Cash card you can transfer it to the bank account that is attached.