I could not tell you I think it's excludes some countries, but I'm not for sure 
I would have to do some googling to see what countries it covers.

> On Nov 4, 2023, at 8:18 AM, Anders Holmberg <and...@pipkrokodil.se> wrote:
> 
> Hi!
> Is this Apple Cash something that only exists in the US.
> I can not see that here in Sweden yet.
> Bless.
> /A
> 
>> 2 nov. 2023 kl. 02:53 skrev 'Mary Ward' via MacVisionaries 
>> <macvisionaries@googlegroups.com>:
>> 
>> I believe that if you are paying an individual, you must use Apple Cash, not 
>> regular Apple Pay.  Unless, of course, this has changed since last year.  I 
>> once had to add some money from my bank account to pay an individual.  I 
>> have also had to use it to pay certain types of organizations, such as 
>> paying dues to a nonprofit, though I don’t know if this is always the case.  
>> 
>> If you buy from Apple with your Apple Pay, you get 3% back.  You get 2% back 
>> from certain online purchases, and for everything else, as in when you use 
>> your physical card you get 1%.  If you buy a big ticket item from Apple, 
>> such as an iPhone, iPad, or Mac, you can collect some money in your Apple 
>> Cash account.  I also understand that you can now get some type of Apple 
>> savings account and use your cash balance as part of it, though I have not 
>> done this yet.
>> 
>> 
>> 
>> 
>>> On Nov 1, 2023, at 8:37 PM, Lorie McCloud <lorice...@gmail.com> wrote:
>>> 
>>> ok. so if I get that message that says there’s nothing in my Apple Cash 
>>> account how do I switch over to Apple Pay?
>>> 
>>>> On Nov 1, 2023, at 8:35 PM, joseph hudson <jhud7...@twc.com> wrote:
>>>> 
>>>> OK, so let me see if I can explain this in terms for you actually 
>>>> understanding. So Apple Cash is cash that is available in like your 
>>>> digital wallet. That is transferred from your bank account. Or if somebody 
>>>> pays you, that's where it goes, and then you can transfer it to your bank. 
>>>> If you're using just straight up, Apple Pay, and you don't have any cash 
>>>> on your thing, then it will charge from your regular bank card. I hope 
>>>> this helps.
>>>> 
>>>>> On Nov 1, 2023, at 8:16 PM, Lorie McCloud <lorice...@gmail.com> wrote:
>>>>> 
>>>>> What’s the difference between Apple Cash and Apple pay? today I tried to 
>>>>> pay for something in a store using Apple Pay and it came up saying that 
>>>>> my balance for Apple Cash was zero. I didn’t have any trouble with my 
>>>>> card so it wasn’t that. what was going on there? I want to be able to use 
>>>>> Apple Pay without that kind of interference as I have in the past.
>>>>> 
>>>>> thanks.
>>>>> Lorie
>>>>> 
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