Money on Apple account
why can’t you take money off my Apple account and add to my iCloud
iPhone 6s, iOS 13
Question marked as
What do you mean "add to my iCloud"?
Your Apple Account is used for Apple Purchases and the location where Gift Cards are redeemed. If you could transfer money out of your Apple Account, that would mean you could also redeem a Gift Card and transfer the money to another account. Most regions consider that money laundering, which is why there are no refunds on Gift Card purchases. To see what you can use the money in your Apple Account, you can review this Support Article.
What you can buy with your Apple Gift Card or Apple Account balance - Apple Support