Why am I unable to send money on Apple Cash or even load any money into the app from my debit card, I've spent hours on the phone both with Apple Care and with my bank and I still get Apple Cash Unavailable?

Hello, khanrmac.

Thank you for using Apple Support Communities.

When you have a chance, check out the steps in this article for help with Apple Cash: Transfer money in Apple Cash to your bank account or debit card - Apple Support

"If you didn't receive your transfer

Check your bank statement to see if the transfer has been processed and deposited into your bank account. Bank transfers aren't deposited on bank holidays or the weekend. See holidays observed by the Federal Reserve on federalreserve.gov.

If you don't receive an Instant Transfer after 2 hours, or you don't receive a 1 to 3 business day transfer after 3 business days, contact Apple Support.

If you think that you entered the wrong bank account or routing number, contact Apple Support.

If you can't transfer money

1. Check for iOS, iPadOS, or watchOS updates.
2. Make sure that your device is eligible to use with Apple Pay.
3. Make sure that you have a Wi-Fi or cellular connection.
4. If you're transferring money to a debit card, make sure that it's an eligible debit card.

After each step, try to transfer money again:

1. For 1 to 3 business day transactions, make sure that you added an eligible United States bank account and that you entered the correct account and routing numbers. If you enter the wrong numbers, the transfer might go to the wrong account.
2. Instant Transfers require you to use the billing address that matches your selected debit card.
3. Check the limits. The minimum amount that you can transfer to your bank account is $1. If your balance is less than $1, you can transfer your total balance as an exception to the minimum. The maximum amount that you can transfer per transaction is $10,000.
4. Make sure you aren't using accents when you enter your name.

If you still can't transfer money to your bank, you might need to verify your identity."

Countries and regions that support Apple Pay - Apple Support

"Sending and receiving money with Apple Pay and the Apple Cash card are available only in the U.S. These services are provided by Green Dot Bank, member FDIC."

If this doesn't help, then the best recommendation is to continue working with your bank and Apple Support: Contact - Official Apple Support

Cheers!