I received money via text from family member and when I went accept it I got an error message saying Apple Cash unavailable please try again later. How do I retrieve my funds?

Hi siniya144,

Welcome to the Apple Community.

You are fortunate to have family who send you money!

Wondering what happened when you tried again later., as the message said.

Re: How do I retrieve my funds?

If needed:

You might want to check through Apple Support's article for tips:

What to do: If you can't send or receive money with Apple Cash - Apple Support

or

If Apple Pay is restricted or locked

If your Apple Cash account is restricted or locked - Apple Support

or

You could reach out to the Apple Cash Support Team

There is a "Get Support" link at the bottom of their webpage (link below)

Apple Cash - Official Apple Support

All the best :-)