Apple cash card identity verification silliness

Question

Level 2

264 points

Apple cash card identity verification silliness

So I get an e-mail from Apple saying that "Starting on November 9, Green Dot Bank will begin requiring users to

verify their identity in order to reload their Apple Cash balance. You can do so at any time from your device by going to Settings > Wallet & Apple Pay > Apple Cash." You're supposed to click on the "Verify Identity" on the Apple Cash page on your phone to do that. If "Verify Identity" is not offered as a selection, you have completed verification. OK, so I call that up that page and press the "Verify Identity" button. It asks for SS#, birthdate, name, and address. I press continue, and it asks for those things all over again. I enter them again and again and, same thing. Nutso. Then I get an e-mail from Apple saying that gee, we can't verify your identity. Need to call them up. So I go back to that Apple Cash page on my phone, and the "Verify Identity" button isn't there anymore. Job done, but Apple doesn't seem to have a clue. Wringing hands ....

iPhone SE

Posted on Oct 5, 2026 3:07 PM

Reply

Answer 1

Oct 5, 2026 4:05 PM in response to Dannymac22

Yes, I’m on iOS 27.0.1. It worked without any issues and I transferred several hundred dollars from my Chase account to Apple Cash.

If your iPhone is an SE 2 (second generation) I believe your device can upgrade to iOS 27. I understand you may not want to do this. I get it.

Apple Cash terms and conditions state you must maintain your device at most recent compatible iOS version. You guessed it, iOS 27.

I can’t say that’s the specific issue with a high degree of certainty. But it’s certainly a possibility. I see you having two paths forward. Contact Apple Support and they may transfer you to an Apple Cash Specialist at Green Dot Bank. Support may be able to confirm, but since this just launched today. This could certainly be a bug.

Let me know how you want to proceed and I can post contact information etc. Sorry. I’m just the messenger.

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Answer 2

Oct 5, 2026 4:16 PM in response to Dannymac22

I suspect that’s part of it, but we’re just Apple users like yourself. No one else has reported an issue, so it could be the iOS version. I’m still going to urge you to contact Apple Support. They may have additional information or experience with this.

If you’re in the US, please call 1-800-MY-APPLE, or consult the support article below.

Contact Apple for support and service - Apple Support

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Answer 3

Oct 5, 2026 3:49 PM in response to Dannymac22

Sounds like Green Dot might be tightening-up their KYC practices:

See following except from the Apple Cash T&C:

REQUIRED PERSONAL INFORMATION

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. Accordingly, when you register your Apple Cash Account as described in Section 1(F) above entitled “Registering your Apple Cash Account with Bank”, we will ask you for certain information, including, but not limited to …

Source:

https://applecash.greendot.com/termsconditions/#tandc

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Answer 4

Oct 8, 2026 4:24 AM in response to Dannymac22

The fractional versions sometimes carry the security updates required for Apple Pay, Apple Cash to function. Being behind an update could cause a new security feature to malfunction.

If you want to provide feedback to Apple, please use the link below.

Product Feedback - Apple

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Answer 5

Dannymac22 Author

Level 2

264 points

Oct 5, 2026 3:39 PM in response to Jeff Donald

I'm, 26.6.2, like everyone else should be. If the change is going to take place November 9, I'm sure not going to wait until then to do the verification. You do realize that they're notifying you about this now so you can make that verification, correct?

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Answer 6

Dannymac22 Author

Level 2

264 points

Oct 5, 2026 3:54 PM in response to Jeff Donald

I have an old SE2, but I suspect that isn't relevant. Did you do the verification seamlessly on a newer model? You would think Apple would tell us if there is some issue with older phones for this purpose.

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Answer 7

MrHoffman

Level 10

166,277 points

Oct 6, 2026 7:28 PM in response to Dannymac22

Dannymac22 wrote:

As far as my updates are telling me, iOS27 is just beta right now.

iOS 27 and 27.0.1 are released.

Are you already running a beta?

But yes, maybe Apple Cash is especially particular about versions. I was one fractional version behind.

If you’re already running a beta, all bets are off.

How to uninstall iOS or iPadOS beta software - Apple Support

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Answer 8

MrHoffman

Level 10

166,277 points

Oct 5, 2026 3:23 PM in response to Dannymac22

What did Apple Support indicate when you called them?

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Answer 9

Dannymac22 Author

Level 2

264 points

Oct 5, 2026 3:26 PM in response to MrHoffman

Why would I call them if I found that the verification was complete?

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Answer 10

Oct 5, 2026 3:33 PM in response to Dannymac22

Hi, what iOS version is your iPhone using? You do realize this is not November 9, 2026, correct?

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Answer 11

Oct 5, 2026 3:49 PM in response to Dannymac22

Thank you for the additional information. Exactly what model iPhone do you have?

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Answer 12

Dannymac22 Author

Level 2

264 points

Oct 5, 2026 4:10 PM in response to Jeff Donald

I did not know that iOS27 was available. When I look for updates, I just get a "Learn More" button about it. But I wasn't aware that 26.7.1 was available either, and I am now updating to that.

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Answer 13

Dannymac22 Author

Level 2

264 points

Oct 6, 2026 6:59 PM in response to Jeff Donald

As far as my updates are telling me, iOS27 is just beta right now. But yes, maybe Apple Cash is especially particular about versions. I was one fractional version behind.

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