Someone stole my phone and Apple Cash themselves money

There really is no information to provide. You can review the fraud protection in the Terms & Conditions for Apple Cash. I’ve shared a link to download the T&C below.

Zelle is a service between US banks so you were robbed in a foreign country by people with a US bank account(s). Since they have US accounts law enforcement in the US could be involved if you pursued it. Apple Cash doesn’t work with Zelle so other accounts were involved.

Face ID played no part in the fraud or theft. Face ID doesn’t work with photos. It requires your active participation. If it fails multiple times you may be presented with the option of entering the iPhone passcode. Apple Pay offers greater protection than any other digital wallet. Apple Wallet can be easily locked by signing out of your Apple Account (Apple ID). Signing out removes all credit and debit cards from your Apple Walet. Lost phones can easily be locked. Please review the support article below.

https://applecash.greendot.com/termsconditions/

If your iPhone or iPad was stolen - Apple Support

The parties involved are your bank and Green Dot Bank issuer and servicer of Apple Cash accounts. Apple Cash is a prepaid debit card and like virtually all debit cards offer very little protection for fraud. You may have some protections from the Payment Network Operator, Visa. It would at least be worth a phone call.

When the passcode was obtained it gave access to your financial accounts. Some banks require 2 Factor Authentication to enter the website or accounts. Many banks however don’t require 2FA and access is easier.

Id file a police report if you haven’t done so already and contact your state’s consumer financial protection agency and inquire about resources.

How did funds get into Apple Cash if you never set it up? How is Cash App involved?