Omari Gates
Apple Cash is a service provided by Green Dot Bank that allows users to send and receive money with trusted friends and relatives. While Apple Cash is available in the United States, it is unclear whether it will be available in Australia. Users in Australia have reported that Apple Cash has been unavailable in the region, and Apple has not provided any indication of when or if it will be released in Australia. However, Apple Pay, which is available in Australia, can be used for contactless payments.
| Characteristics | Values |
|---|---|
| Current availability in Australia | Not available |
| Availability in other countries | Only available in the US |
| Age restrictions | Users must be 18 or above, but US families with younger kids can also participate |
| Alternatives in Australia | Companies like Spriggy issue cards for kids that can be managed through a parent's wallet |
| Workarounds | Setting the device region to the US |
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What You'll Learn
Apple Cash in Australia: Availability
Apple Cash is currently only available in the United States. US residents who are 18 or older can use Apple Cash to send and receive money with trusted friends and relatives. US families with younger kids can also participate.
Apple Cash services are provided by Green Dot Bank, a member of the Federal Deposit Insurance Corporation (FDIC). Apple Payments Services LLC, a subsidiary of Apple Inc., is a service provider of Green Dot Bank for Apple Cash accounts. However, neither Apple Inc. nor Apple Payments Services LLC is a bank.
While Apple Cash is not available in Australia, Apple Pay is widely accepted there. Apple Pay works with compatible iPhone and Apple Watch models and can be used wherever contactless payments are accepted.
There are also various companies in Australia, such as Spriggy, that can issue cards for kids that can be managed through a parent's wallet. These provide a way for parents to manage pocket money digitally until their children are old enough to have and manage their own accounts.
Although Apple Cash is not currently available in Australia, there may be future plans for its implementation. In 2019, some Australian users noticed the Apple Pay Cash card appearing on their iPhones, with the option to set up the card. However, upon attempting to do so, users received a message stating that the service was "currently unavailable."
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Apple Cash: Age Requirements
Apple Cash is currently only available in the United States, and to use it, one must be at least 18 years old and a US resident. US families with younger kids can also participate. If you're under 18, your family organiser can set up Apple Cash for you as part of their Apple Cash Family account. However, you may not be able to access features that require a supported payment card. Security checks may also require more time to make funds available. Apple Cash Family accounts can only send or receive up to $2,000 within a rolling seven-day period.
Apple Cash Family lets you set up Apple Cash for members in your Family Sharing group who are under 18. Once it's set up, they can send, spend, and receive money using Apple Cash. You can receive notifications when they make a transaction, limit the people they can send money to, and even lock their account. Transactions and comments sent by children using Apple Cash Family are visible to parents, guardians, and the family organiser.
On your iPhone, open the Wallet app and tap your Apple Cash card. Tap the More button, then tap Apple Cash Family. Tap the child or teen's name. Tap Transactions to view their transactions. If you're the family organiser, you can tap Request Transaction Statement to request a copy of your child or teen's transactions. The transaction statement is sent to the email associated with the organiser's Apple Account. If your child or teen is over 18 years old and they take ownership of their Apple Cash account, you won't be able to view their Apple Cash activity.
In Apple Cash Family, the family organiser or anyone over the age of 13 can set up a recurring payment for a child in the family. On your iPhone, open the Wallet app and tap your Apple Cash card. Tap the More button, then tap Apple Cash Family. Tap the name of the family member. Under Recurring Payments, tap Set up for [child's name], choose the dollar amount of each payment, when you want payments to start, and how often you'd like payments sent.
There are various companies in Australia, such as Spriggy, that can issue cards for kids that can be managed through a parent's wallet. This can be a way for parents to manage pocket money digitally until the kids are old enough to have and manage their own accounts.
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Apple Cash: Alternatives in Australia
Apple Cash is currently only available in the United States. Apple has not provided any information on whether Apple Cash will be available in Australia in the future. However, there are several alternatives to Apple Cash in Australia that offer similar functionalities.
Revolut
Revolut is a mobile wallet that allows users to make peer-to-peer AUD transfers to friends in Australia in real time. It also offers international transfers, stock trading with limited commission-free options, and multi-currency accounts.
Wise
Wise is a platform that specialises in multi-currency and international transfers. It offers some of the most competitive exchange rates and transparent fees, making it ideal for regular transactions between Australia and the US, UK, India, Canada, and the Eurozone.
Remitly
Remitly is a platform that focuses on remittances, or sending money abroad. It is a good option for sending money from Australia to other countries.
SingX
SingX is another platform that is ideal for sending money to the US and the UK. It offers competitive exchange rates and transparent fees.
Global66
Global66 is a platform that specialises in receiving money from Latin America.
Currencyfair
Currencyfair is a platform that is best for receiving money from the US and South Africa.
Payoneer
Payoneer is a business alternative to Cash App that offers similar functionalities.
Google Pay
Google Pay is a secure and easy-to-use payment app that allows users to make contactless payments in stores, online, and in apps. Users can link their credit or debit cards to the app and make payments with just a tap on their mobile device.
Apple Pay
Apple Pay is a mobile payment and digital wallet service that is available to Apple users in Australia. Users can add their credit or debit cards to the app and make secure payments using their Apple devices. It also offers peer-to-peer transfers and contactless payments.
PayPal
PayPal is a widely used digital payment platform that allows users to send and receive money online domestically and internationally. It offers a mobile app that is available for both iOS and Android devices, making it convenient to manage transactions on the go.
Venmo
Venmo is another digital payment platform that is available in Australia.
Local Services
Some local services in Australia, such as Beem It and OSKO, also offer peer-to-peer payment services.
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Apple Cash: International Use
Apple Cash is a service that allows users to send, receive, and spend money through Messages, Wallet, or with Tap to Cash. It is available on iPhone, Apple Watch, iPad, Mac, and Apple Vision Pro. Apple Cash can also be used with Apple Pay, which is accepted by over 85% of retailers in the US.
Currently, Apple Cash is only available in the United States on eligible devices. To use Apple Cash, you must be 18 years or older and a US resident. However, US families with younger children can also participate. In this case, a family organizer who is at least 18 years old can set up Apple Cash for their children under 18.
Apple Cash can be used internationally outside the US at eligible merchant locations that accept both Apple Pay and the payment network on which the Apple Cash Card is issued. There is a 3% foreign transaction fee for using Apple Cash with Apple Pay outside the US, as is typical for prepaid debit cards.
While Apple Cash is not currently available in Australia, there are other companies that offer similar services for children, such as Spriggy, which provides cards that can be managed through a parent's wallet. It is unclear if these cards can be used on Apple Watches.
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Apple Cash: Security
Apple Cash is currently only available in the United States. There is no indication of when, or if, it will become available in Australia.
Apple Cash Security
Apple Cash is designed to be more secure than a traditional debit card. Face ID or Touch ID is used to authenticate transactions, ensuring that only the owner of the Apple Cash account can make purchases. In addition, each transaction uses a device-specific number and unique transaction code, and the virtual card number has a security code that frequently rotates to protect against fraudulent purchases.
When a user sends money with Apple Pay, adds money to an Apple Cash account, or transfers money to a bank account, a call is made to the Apple Pay servers to obtain a cryptographic anti-replay value. The anti-replay value and transaction data are passed to the Secure Element to compute a payment signature, which is then returned to the Apple Pay servers. The servers verify the transaction's authentication, integrity, and correctness through the payment signature and the anti-replay value.
Information provided to verify a user's identity, such as a social security number or answers to security questions, is encrypted using the Apple partner's key, which Apple itself cannot decrypt. This information is securely transmitted and stored, and Apple Payments Inc. stores and processes user information separately from the rest of Apple, ensuring that transaction history and spending habits remain private.
To use Apple Cash, a user must be signed in to their iCloud account on a compatible device with two-factor authentication set up. Apple Cash Family accounts have additional security measures, with the ability to restrict money-sending capabilities to family members only or contacts only.
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Frequently asked questions
Apple Cash is currently only available in the United States. There is no indication of when it will be available in Australia.
Apple Cash is accepted anywhere in the US that takes contactless payments. However, some cashiers may be unaware if Apple Cash will work at the register, so it is worth trying.
Yes, Apple Pay is available in Australia. It can be used on iPhone, Apple Watch, Mac, and iPad.
Apple Cash is a prepaid debit card that can be used to send and receive money with trusted friends and relatives. Apple Pay is a safer way to use your credit, debit, or prepaid card in-store, online, or on public transport.
