Set spending limits on transactions and get notifications for Apple Card Family participants
Account owners and co-owners can set spending limits on transactions for participants on their shared Apple Card account. They can also get notifications on an account co-owner or participant's Apple Card activity.
How to set spending limits on transactions for Apple Card Family participants
On your iPhone, open the Wallet app and tap Apple Card.
Tap the More button
, then tap Account Details
.Tap the name of the participant that you want to set limits for.
Tap Transaction Limit.
Tap the amount that you want to set.
Spending limits on transactions are for individual transactions. Participants can still spend up to the credit limit with multiple transactions as long as each purchase is below the transaction limit. With Apple Card Family, the account owner or co-owner can lock participant spending or remove the participant from a shared Apple Card account.1,2,3,4
Turn on notifications for an Apple Card Family account co-owner or participant's activity
On your iPhone, open the Wallet app and tap Apple Card.
Tap the More button
, then tap Account Details.Tap the name of the participant or co-owner that you want to turn on transaction notifications for.
Under Notifications, tap Transactions or Total Spending and choose an amount.
If you choose Transactions, you receive notifications when an individual purchase exceeds the amount that you chose. If you choose Total Spending, you receive a notification when the user's cumulative monthly spending exceeds the amount that you chose.
To access and use all Apple Card features and products available only to Apple Card users, you must add Apple Card to Wallet on an iPhone or iPad that supports and has the latest version of iOS or iPadOS. Apple Card is subject to credit approval, available only for qualifying applicants in the United States, and issued by Goldman Sachs Bank USA, Salt Lake City Branch.
If you reside in the U.S. territories, please call Goldman Sachs at 877-255-5923 with questions about Apple Card.
Apple Card Family Participants and Co-Owners do not need to have a familial relationship but must be part of the same Apple Family Sharing group.
Each Co-Owner is individually liable for all balances on the Co-Owned Apple Card, including amounts due on your Co-Owner's account before the accounts merged. Each Co-Owner will be reported to credit bureaus as an owner on the account. In addition, Co-Owners will have full visibility into all account activity and each Co-Owner is responsible for the other Co-Owner’s instructions or requests. Co-Ownership involves risk, including payment history and other information about your Apple Card, including negative items like missed payments. Addition of new Co-Owner or merging existing accounts is subject to credit approval and general eligibility requirements. For Apple Card eligibility requirements, click here. Either Co-Owner can close the account at any time, which may negatively impact your credit, and you will still be responsible for paying all balances on the account. For details on account-sharing options, including some of the risks and benefits, click here.
If you are a Participant, you are able to spend on the account but are not responsible for payments. Being a Participant who is reported to the credit bureaus on an account that has a negative payment history (e.g. the account goes past due) or is overutilized can have negative effects on your credit. The account owner remains responsible for all purchases made by a Participant. For more details including some risks and benefits of being a Participant, click here.
Owners can set transaction limits at any time for Participants through the Wallet app, but this does not limit a Participant’s ability to spend up to the available credit limit on the account. Participant cards can also be locked to pause spending at any time through the Wallet app.
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