Apple Cash Adds ID Check for Reloads, Teases Bank Funding

Monday October 5, 2026 10:57 am PDT by Juli Clover

Apple Cash will soon require identity verification to add money. In emails going out to customers, Apple explains that starting on November 9, Green Dot Bank will begin requiring users to verify their identity when reloading their Apple Cash cards.

Identity verification is already required when adding, sending, or receiving over $500 total, but verification for any reload is new. Apple says Green Dot Bank may make it easier to add money to an Apple Cash card by introducing support for transferring funds from a bank or merchant in the future.

Right now, reloading an Apple Cash card can only be done through the Wallet app using a connected debit or prepaid card.

Apple Cash users who have iOS 27 and who live in a state with support for digital driver's licenses can use a license stored in the Wallet app for identity verification.

Customers whose identity can't be verified will not be able to send or receive money or add money to an Apple Cash balance. Money already in an Apple Cash account can still be used for transactions or transferred to a bank account.

Apple says identity verification is required for "fraud protection and regulatory reasons."

Apple Cash is a U.S.-only feature that is available to customers 18 or older, though users under 18 can access Apple Cash through Apple Cash Family.

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