I've always used Apple Cash for online purchases or for tap in store. But my account got permanently restricted just because I wanted to add 50 bucks in my account. Supposedly “it wasn’t” me so it restricted me, and when I tried to verify it was me I had gotten permanently restricted.
iPhone 14 Plus, iOS 18
See information in If your Apple Cash account is restricted or locked - Apple Support
including the following excerpt:
If your Apple Cash account is restricted
Your account may be restricted if your identity verification fails multiple times, if there are multiple accounts tied to the same social security number, or if there's suspected fraud on the account. If your account is restricted, you can still transfer your Apple Cash balance to your bank or use it to make purchases with Apple Pay. You can't send or receive money, or add money to your account.
If your account is restricted and there are no instructions provided, contact an Apple Cash Specialist at Green Dot Bank.
Apple Cash restricted permanently
