I don’t have Apple Cash in my wallet settings. How do I get it?

Hi mabel49,

Thanks for reaching out to Apple Support Communities. It sounds like you're having an issue with setting up Apple Cash. We're happy to provide some information to assist.

You started from an excellent resource Set up Apple Cash

Specifically the following requirements.

What you need

• Be at least 18 years old and live in the United States.
• Have a compatible device with iOS 11.2 or later or watchOS 4.2 or later. 
• Set up two-factor authentication for your Apple ID. 
• Sign in to iCloud with the same Apple ID on any device that you want to use to send or receive money.
• Add an eligible debit card in the Wallet app, so you can send money.

Additionally, "(Apple Card and Apple Cash are available only in the U.S.)" as mentioned here: Set up Apple Pay in Wallet on iPhone

You can view additional requirements here: If you can't send or receive money in Messages with Apple Cash

Best!