Missing Apple Cash option on iPhone

Here are the steps to take to set up Apple Cash.

Set up Apple Cash - Apple Support

If you still have trouble, provide a screenshot of what you see at Settings > Wallet & Apple Pay. Feel free to redact any card numbers even though it will only show the last 4 digits if you have any.

• Are you a US resident and your device is set for US?
• Are you 18 or older?
• Are you using two factor authentication?

What country are you in?