Eight-year-old spends £8,500 via Apple’s App Store on her iPhone

Excerpt from a letter to The Guardian: Our eight-year-old daughter has, unbeknown to us, managed to spend over £8,500 over 90 days on the Apple app store. We did not realise that our HSBC debit card had somehow been linked to her iPhone and had no idea that she could spend so easily. She was not aware that the money she was spending was real money.
She has been sending money to YouTube channels and the YouTubers have then befriended her on Roblox in an attempt to make more money from our child. To me, this is financial grooming. HSBC did not once alert us to these suspicious transactions. Apple initially rejected our claim for a refund, then, on appeal, agreed to refund only two payments totalling £60 because they were unauthorised purchases by a minor, even though the others were made in the same circumstances. We are desperate.
Anna Tims for The Guardian:
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This is a staggering story on many levels. Your daughter managed to make 270 payments over three months without you noticing and without the bank or Apple flagging up suspicious activity. You told me she has her own iPhone and her own Apple ID, which allows her to log in to Apple services without you being notified. Children under 13 are not permitted to apply for a personal Apple ID. You say you have no idea how your debit card came to be linked to her account. Some of the money was spent on YouTube Super Chat and Super Stickers, which is how YouTubers can monetise their channels. Essentially, their viewers can pay for their live chat messages to be highlighted or pinned to the top of a chat feed.
Roblox and other online gaming services, meanwhile, allow users to pay real money for virtual merch and privileges. On one day alone, your daughter made six payments of £49.99 to Apple and one of £6.99. You sent me a screenshot of a YouTuber pulling up your daughter’s online profile on a live video to see who was spending so much money. Her profile photo clearly showed a young child. In another video, a YouTuber offered to add her as a friend on Roblox if she paid out more.
This virtual jungle is a mystery to many parents, including me, which is why it’s essential that parental controls are activated and in-app purchases supervised or turned off if children are given smartphones. In my view, an eight-year-old has no business having an iPhone, let alone their own Apple ID, and you have most painfully realised your mistake…
When I contacted the company [Apple] it instantly decided, much to my surprise, to refund the entire amount. The money was paid the following day. It told me it does not comment on individual cases but assured me an adviser would call you and guide you through safeguards to prevent this happening again.

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MacDailyNews Take: Good job by Apple to refund the entire amount.
If you permit your eight-year-old to have their own iPhone — a decision worth careful consideration for all parents (for communication with your child, we suggest an Apple Watch SE instead) — set up an Apple ID for them within your family group. Avoid letting your child create their own or use your account, which is tied to your bank card. This setup automatically activates Ask to Buy.
With Ask to Buy, when kids want to make an eligible purchase – such as buying an app from the App Store or a TV show, movie or book from Apple Media Services – they send a request to the family organiser. The family organiser can use their own device to approve or decline the request. For example, if a child wants to buy an app, the family organiser can see the app and decide whether to allow it.
If the family organiser approves the request and completes the purchase, the item downloads automatically to the child’s device. If the family organiser declines the request, no purchase or download will take place. If a child re-downloads a purchase, downloads a shared purchase, installs an update or uses a redemption code, the family organiser won’t receive a request.

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