I can't access Apple Cash on iPhone 13 Pro after iOS 18 update

I had the exact same issue. I found this page and followed the directions and for whatever reason it worked. I did it slightly different though (as follows):

1. Go Into Settings, Language and Region and make sure it's USA and English for the language (if that's your info)
2. Go to Wallet and Apple Pay in settings and toggle Apple Cash off
3. (Go to settings, don't just use Control Center to) Turn on and off airplane mode
4. Restart your device
5. Go to Wallet and Apple Pay in settings and toggle Apple Cash back on
6. Go to the Wallet app and try to set up Apple Cash once again

It finally worked for me, I needed to do the update and accept the terms of conditions of the new update, then it worked. Make sure all your updates are refreshed and you don't have any notifications in your generals tab

Same boat. Randomly today it reverted back to setup screen after working for weeks. Click setup-> Apple Cash is setup message -> back to setup screen

15 pro max 18.0.1

This isn’t Apple Support and Apple doesn’t review comments here. Apple Cash is a service that’s administered by Green Dot Bank. Contact an Apple Cash Specialist at Green Dot Bank by calling (877)-233-8552 or by calling 1-800-MY-APPLE

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

I had the exact same issue with my iPhone 13 Pro and tried the 6 steps. No change.

After trying a few other things, I checked for software updates in Settings. None showed up as pending, but after clicking on it iOS 18.2.1 appeared. Installing it fixed the problem.

I have the most updated system 18.2 and I’m having the exact same issue. Suddenly Apple Cash isn’t working (my cards in the Apple wallet are fine)

I tried all the steps listed and also logging in and out of my id to see if it worked and nothing. I’m in a constant loop of having to set up, I click set up and it takes me back to previous set up menu. I’m always using Apple Cash and have money I no longer can access until this is fixed

In Step 5, the prompt went right to the set up of Apple Cash…..

I'm having the same issue after updating, but unfortunately these steps didn't work for me after trying twice.

Yes. I tried this and nothing

Let’s see what an Apple Cash Specialist has to say about the issue.

Apple Cash is a service that’s administered by Green Dot Bank. Contact an Apple Cash Specialist at Green Dot Bank by calling (877)-233-8552 

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

Are you following the steps in the Apple Support article I linked below?

Use Apple Cash in Wallet on iPhone - Apple Support

This worked perfectly thank you! I was going in circles

The solution above regarding regional settings check, airplane mode and rebooting worked for my wife’s phone. iPhone 13 Pro with iOS 18 update. Thank you for the post!

I have done all of these steps and I still don’t have access to my funds. Apple can you please make this right??

tried these steps and still didnt resolve the issue, such a pain