Apple Pay For Child

Editorial Team May 08, 2026
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Apple Cash Family lets you set up Apple Cash* for the children and teens in your Family Sharing group so they can make purchases and send and receive money in Messages or Wallet. You can limit who your child can send money to, get notified when they make transactions, and lock their account. This guide provides a comprehensive overview of setting up Apple Pay on a childs iPhone, leveraging Apples Family Sharing features and addressing the nuances of parental controls and financial oversight.

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Yes, children aged 16 can use Apple Pay if they have a supported debit or credit card. However, if your child has no credit or a debit card, they can only use Apple Pay through the Apple Cash Family feature as long as theyre younger than 18. Kids under age 13 in the iOS universe can get money from their parents in an Apple Cash account.

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Kids can then use that money to send and receive money via text, plus make purchases in store or online. The Apple Cash card works anywhere that accepts Apple Pay. Learn how to set up Apple Pay for a child with Apple Cash Family, allowing them to make secure purchases, track their spending, and learn valuable money management skills under your supervision.

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Learn how to set up Apple Pay for your kids safely and easily in this 2025 guide! Well show you how to add your childs Apple ID to Family Sharing, set up Apple Cash Family, and enable... We'll be happy to help out with setting up Apple Pay for family members under 18. Here's the steps you'll want to follow to set that up: Set up and use Apple Cash Family - Apple Support.

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What is Apple Cash Family? Apple Cash Family is an extension of Apples Family Sharing features and enables parents and guardians to send money to family members who are under 18 years old. You can think of this as an allowance through your kids iPhone or Apple Watch. By understanding these steps and frequently asked questions, you can confidently set up Apple Pay for your child, giving them a taste of financial responsibility while maintaining control and oversight.

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A guide for how to set up your (older) kids to use their Apple Watch or Apple iPhone to pay for things in the real world. No cash or debit card necessary!

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