How do I transfer money from Apple Pay to my bank account?

There are confusing names here.

Apple Pay is a way to use payment cards. There’s no cash stored there.

Apple Card is a payment card.

There can be a balance associated with an Apple Account too, and the money doesn’t usually return from that.

But assuming you meant Apple Cash, here is how to transfer money from Apple Cash to your bank account:

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