How to transfer money from Apple Pay to a bank account without an Apple Card?

Apple Pay is not an account that holds any money. What account are you looking to transfer money?

If you are looking to transfer money from Apple Cash to your bank account, then follow the steps here:

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

Apple Cash is only available in the US, so you will not be able to use it. Where are you seeing this money that you want to transfer to your bank account. Post a screenshot if it does not reveal any personal information.

Those funds can only be spent with Apple. Please review the link in Jim’s earlier post. It tells you exactly what can be down with gift cards and funds in Apple Account.

Buying gift cards and converting back to cash is a form of money laundering and illegal in most countries.

If you do not have Apple Cash set up yet, you will need to do that first as long as you meet the requirements.

Set up Apple Cash - Apple Support

Nope. Apple Account is only for Apple purchases. You can see what it can be used for here:

What you can buy with your Apple Gift Card or Apple Account balance - Apple Support

Ok, follow the steps in the link provided in the first post and you can transfer money directly from Apple Cash to your bank account.

Withdraw funds from one account and deposit funds into your bank account. Apple Pay is not a method of transferring funds except in the US. Sorry.

Are the funds in your Apple Account from redeemed Apple Gift cards, funds transferred from your bank or both?

Those funds are non-transferable and non-refundable. Please review the Apple Support link Jim shared with you. It explains what Apple Account funds may used for.