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how to set up apple cash

You can set up Apple Cash in just a few minutes if you meet the basic requirements and use a supported device and region (currently U.S. only).

What you need first

  • Be at least 18 years old (for a standard Apple Cash account) and located in the United States.
  • Use a compatible iPhone, iPad, Apple Watch, or Apple Vision Pro with the latest software installed.
  • Be signed in to iCloud with your Apple ID and have two‑factor authentication turned on for that Apple ID.
  • Use the same Apple ID on every device where you want to send or receive Apple Cash.
  • Have an eligible debit (or sometimes prepaid) card added to Wallet if you want to add money from your bank.

Step‑by‑step: set up Apple Cash

On your iPhone or iPad:

  1. Open the Settings app.
  1. Tap Wallet & Apple Pay.
  1. Turn Apple Cash on if it isn’t already.
  1. Under Payment Cards , tap Apple Cash.
  1. Tap Continue , then follow the on‑screen prompts to agree to terms and verify your identity if asked (you may need your SSN and other details).

When setup is done, your Apple Cash card appears in the Wallet app and shows your balance.

How to use Apple Cash (quick basics)

  • To send money from Wallet:
    • Open Wallet , tap your Apple Cash card, then tap Send or Request.
* Choose a contact, enter an amount, and confirm with Face ID, Touch ID, or passcode.
  • To send in Messages:
    • Open a conversation, tap the Apple Cash (or Apple Pay) button, enter the amount, then confirm.
  • Money you receive goes straight to your Apple Cash balance, which you can spend with Apple Pay, send to others, or transfer to your bank.

Common setup issues and tips

  • If Apple Cash isn’t showing:
    • Check that your region is set to the United States and that your device is updated to the latest iOS or iPadOS.
  • If you can’t verify identity:
    • Make sure your name, date of birth, and address match official documents and that you’re using the correct last 4 digits of your SSN.
  • If you’re under 18:
    • You may need Apple Cash Family , which lets a parent or guardian set up Apple Cash for a child through Family Sharing.

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