An Apple Cash account is likely restricted or locked if you cannot send, receive, or add money, or if a "Account Restricted" or "Verification Required" banner appears in the Wallet app. Other indicators include disabled buttons for transactions, failed identity verification, or a notification to verify your identity.
Your account may be restricted if your identity verification fails multiple times, if there are multiple accounts tied to the same social security number, or if there's suspected fraud on the account.
If you go to the Settings app on your iPhone or iPad and your Apple Account is grayed out, or you can't sign out of your Apple Account, you might have restrictions turned on in Screen Time, or you might have a Screen Time passcode set.
To unrestrict your Apple Account, check Screen Time>> settings for "Content & Privacy Restrictions" and allow changes to "Accounts," or if it's locked for security, use iforgot.apple.com, as restrictions often stem from failed login attempts or parental controls, requiring a passcode or identity verification to resolve.
Go to the Settings app on your iPhone. Tap Screen Time, then tap Content & Privacy Restrictions. Turn on Content & Privacy Restrictions. Tap iTunes & App Store Purchases, then choose restrictions for installing or deleting apps and in-app purchases.
You can transfer up to $10,000 per transfer and up to $20,000 within a seven-day period from Apple Cash to your bank account. You can only transfer your money to a bank account in the United States.
Reset the Screen Time passcode for your child's device
Check whether your account is restricted or locked by opening your Apple Cash card in Wallet and looking for any notifications or warnings.
A restricted account will not let anyone withdraw money without a court order. Getting a court order takes time - this arrangement works best when the protected person has other money to pay for regular expenses.
How long does it take to resolve Apple Pay restrictions? Usually 1-(866)(542)(8909) immediately after verification; complex cases may take a few days.
A Restrictions passcode prevents the Restrictions settings on your phone from being changed or disabled. You enter this when you go to the Restrictions section of the Settings app.
Like Paypal and Venmo, Apple Pay and CashApp report users' business income to those users and to the IRS, but Apple Cash does no such reporting because it is not intended for business use. Zelle stands apart from the other payment applications because it is not required to report user transactions to the IRS.
With Apple Pay, you can make payments for any amount, but some retailers limit the spend to £100.
Change app permissions
To turn off restricted mode, usually on YouTube, tap your profile picture, go to Settings > General, and toggle the Restricted Mode switch off; if it's locked, it's likely due to a network admin (school/work) or parental controls (Family Link), which you'll need to contact them about, or check your account settings for network/DNS filters.
If your account is restricted, you might still be able to transfer your Apple Cash balance to your bank or use it to make purchases with Apple Pay, but you won't be able to send or receive money, or add money to your account. To resolve this issue, you should contact Apple Support directly by phone at (877) 233-8552.
Per message, you can send or receive a minimum of $1. Per message, you can send or receive a maximum of $2,000. Within a 7-day period, you can send or receive a maximum of $2,000.
Important:
To unrestrict your Apple Account, check Screen Time>> settings for "Content & Privacy Restrictions" and allow changes to "Accounts," or if it's locked for security, use iforgot.apple.com, as restrictions often stem from failed login attempts or parental controls, requiring a passcode or identity verification to resolve.