Understanding Apple Cash Pending and Restricted Accounts

Apple Cash Pending and Restricted Accounts can be frustrating, especially if you're not sure why your account is in this state. The main reason for a pending account is a pending transaction, which can take up to 24 hours to be processed.

If your account is restricted, you may see a message saying "Your account is restricted" or "We're unable to verify your identity." This is usually due to an issue with your identity verification, which can be resolved by providing additional information.

To resolve a pending account, try checking for any pending transactions and canceling any that you don't need. You can do this by going to the Wallet app and tapping on the Apple Cash card.

If your Apple Cash account is in review, you can't send or receive money with Apple Cash, or add money to your account.

Reviews take up to 2 business days to complete.

If your account is under review, you won't be able to send or receive money with Apple Cash, or add money to your account.

Reviews can take up to 2 business days to complete.

You won't be able to transfer money to your bank or make purchases with Apple Pay if your account is locked while under review.

Once the review is complete, your account will either be active or there'll be a message on your Apple Cash card with your account status.

If your Apple Cash account is restricted due to suspected fraud, multiple accounts tied to the same social security number, or failed identity verification, you can still transfer your balance to your bank or use it to make purchases with Apple Pay.

You won't be able to send or receive money, or add money to your account, but you can still use Apple Cash to make purchases or transfer your balance to your bank.

If you're stuck, contact an Apple Cash Specialist at Green Dot Bank for help.

Reviews of your account can take up to 2 business days, during which time you won't be able to send or receive money, add money to your account, or make purchases with Apple Pay.

If your account is locked due to suspected fraud or additional security checks, you won't be able to use Apple Cash at all, including making purchases, sending or receiving money, or adding money to your account.

In this case, contact an Apple Cash Specialist at Green Dot Bank for assistance.

To use all Apple Cash features, you must have an eligible device with Wallet that has the latest version of iOS.

You must be 18 and a U.S. resident to send and receive money with an Apple Cash account. If you're under 18, your family organizer can set up Apple Cash for you, but you may not be able to access features that require a supported payment card.

Other limits apply, see Terms and Conditions for details. Apple Cash Family accounts can only send or receive up to $2000 within a rolling seven-day period. Tap to Cash transactions can only be used to send or receive up to $2000 within a rolling seven-day period.

Daily Cash can be earned on purchases after the transaction posts to your account. Actual posting times vary by merchant.

If you get Daily Cash from Apple Card purchases, it accumulates in your Apple Card account when your Apple Cash account is locked or restricted.

This means you can still earn Daily Cash, even if you can't use your Apple Cash account.

You can apply the accumulated Daily Cash towards your Apple Card balance, which can be a great way to reduce your balance and save money.

To access and use all Apple Cash features, you must have an eligible device with Wallet that has the latest version of iOS.

Note: Apple Cash services are provided by Green Dot Bank, Member FDIC, and Apple Payments Services LLC is a service provider of Green Dot Bank for Apple Cash accounts.

To pay using Apple Cash, you can rely on your Apple Cash account balance to cover the cost of your payment. If the balance is less than the amount due, the remaining balance will be paid from your default bank account.

Apple Cash takes care of the rest, automatically drawing from your bank account to cover the difference. This seamless process ensures that your payment is made in full, without any hassle.

By using Apple Cash, you can make payments with ease, knowing that your default bank account will cover any remaining balance.

To send money with Apple Cash, make sure you and the recipient have the latest versions of iOS or watchOS.

If you're having trouble sending money, try restarting your device.

Verify your identity and the recipient's identity, as this may be required for the transaction to go through.

Ensure the recipient is eligible to receive Apple Cash payments, and check if they meet the requirements. If they don't, you'll see a message in Messages saying they're not eligible.

If you're trying to send money from your debit card in Wallet using Apple Cash, and your bank declines the payment, contact your bank or card issuer.

If you accidentally sent money to the wrong person, ask them to send it back. If the other person hasn't accepted the payment, you can cancel it until they do. If they don't accept it within 7 days, the money automatically returns to you.

If you're using Apple Cash, you'll notice that some transactions are pending. This can be frustrating, especially if you're not sure why your money isn't being released yet.

Typically, pending transactions on Apple Cash take 1-3 business days to resolve. This timeframe can vary depending on the specific transaction and the bank involved.

You can check the status of your pending transaction by opening the Wallet app and looking for the transaction in question. If it's still pending, you'll see a status update indicating that it's being processed.

It's worth noting that Apple Cash pending transactions are usually related to issues with the recipient's bank or card, rather than a problem with your Apple Cash account.