Apple Cash adds ID verification for top-ups, teases bank financing

Apple Cash will soon require identity verification to add money. In emails sent to customers, Apple explains that starting 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 a total of more than $500, but verification for any top-ups is new. Apple says Green Dot Bank could 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.

Currently, topping up 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 live in a state that supports digital driver’s licenses can use a license stored in the Wallet app for identity verification.

Customers whose identity cannot 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 and available to customers 18 or older, although users under 18 can access Apple Cash through Apple Cash Family.