With Apple Cash (available in the U.S.), you can send and receive money, get cash back from Apple Card transactions, make purchases, and transfer your Apple Cash balance to your bank account.
Go to Settings Use Apple Pay in apps and on the web.
With the virtual card number: Go to Settings , start a new message or tap an existing conversation, tap Add money to Apple Cash.
Transfer funds to your bank: See the Apple Support article Use Apple Cash and Apple Card with Family Sharing on iPad (U.S. only)Use Apple Card on iPad