Open the Wallet app on your iPhone
Tap the Apple Cash card
Tap Set Up Apple Cash
Follow the on-screen instructions
Verify your identity if prompted
Accept the terms and conditions
Make sure you are signed in with your Apple ID
Make sure Apple Pay is set up on your device
Be at least 18 years old or the required age in your region
Be in a supported country or region
Use Apple Cash through Messages, Wallet, or Apple Pay after setup