Why is my Apple Cash account restricted?

This is primarily a user-to-user support forum; other Apple users like you. See the information in If your Apple Cash account is restricted or locked - Apple Support including the following excerpt from that Support article:

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.

If it’s permanently locked, the bank’s investigation is over. You are probably in the process of being de-banked. Banks often refer to it as de-risking. De-banking is the closure of people's or organizations' bank accounts by banks that perceive the account holders to pose a financial, legal, regulatory, or reputational risk to the bank.

Verify your identity for Apple Card or Apple Cash - Apple Support

If your Apple Cash account is restricted or locked - Apple Support

Banks do not have give a reason for closing and restricting an account. Several of the most common reasons are activities perceived to be money laundering, commercial use of the account, purchase of cryptocurrency or other cash equivalents, gambling and activities related to marijuana. 

Banks are federally regulated and audited by multiple agencies several times a year. If there are improprieties, regulators and auditors will find them. 

Apple Cash is serviced and issued by Green Dot Bank. Please contact an Apple Cash Specialist at Green Dot Bank. 

Contact Green Dot Bank:

• by calling (877) 233-8552,
• by mail for disputes at P.O. Box 9, West Chester, Ohio,
• by mail for general customer service at P.O. Box 1070, West Chester, Ohio 45071,
• visit www.greendot.com.

For general information about prepaid accounts, visit cfpb.gov/prepaid.