Apple Cash will soon require users to verify their identity every time they add money to their balance. In customer emails, Apple said Green Dot Bank will introduce the new requirement on November 9 as part of its fraud prevention and regulatory processes.

Identity checks already apply when Apple Cash users add, send, or receive more than $500 in total. The change expands that requirement to every reload, regardless of the amount being added.

What is changing for Apple Cash reloads

At present, users reload an Apple Cash card through the Wallet app with a connected debit or prepaid card. Once the new policy takes effect, Apple Cash will ask users to complete identity verification when they add money to the card.

Apple said Green Dot Bank may eventually make funding an Apple Cash balance more convenient by supporting transfers from a bank or merchant. The company did not provide a launch date or further details for that potential feature, so debit and prepaid cards remain the current reload option.

How users can verify their identity

Apple Cash customers running iOS 27 who live in a state that supports digital driver's licenses can use a license saved in the Wallet app for verification. The source information does not specify whether every user will have access to that option, meaning other verification methods may still be needed depending on the customer's circumstances.

Users who cannot complete identity verification will lose access to adding money to their Apple Cash balance. They will also be unable to send or receive money through Apple Cash.

What happens to existing Apple Cash funds

Verification problems will not freeze money that is already in an Apple Cash account. Apple said those funds can continue to be used for transactions or transferred to a bank account.

Apple Cash is available only in the United States and is generally offered to customers aged 18 or older. People under 18 can use the service through Apple Cash Family. The expanded identity requirement therefore affects both the way eligible users fund their balances and the actions available to customers who cannot verify their identity.

Apple cited fraud protection and regulatory obligations as the reasons for requiring verification. The policy gives Green Dot Bank an identity check at the point of every reload, rather than only after a user crosses the existing $500 activity threshold.