Send Money with Cash App (2024)

It’s free to send and receive money, stocks, or bitcoin** within Cash App.

Cash App is a financial services platform, not a bank. Banking services are provided by Cash App’s bank partner(s). Prepaid debit cards issued by Sutton Bank. Brokerage services by Cash App Investing LLC, memberFINRA/SIPC, subsidiary of Block, Inc. Bitcoin services provided by Block, Inc, formerly known as Square, Inc.

Settle up those tabs

Send Money with Cash App (1)

All it takes to pay someone is their phone number, email, or $cashtag. You can even scan their QR code straight from the app.

Send Money with Cash App (2)

Keep track of your coin

You’ll see your balance updated immediately so you always know when a payment went through.

It’s not just for money

Send Money with Cash App (3)

Send and receive stocks and bitcoin just like you would money.

Brokerage services by Cash App Investing LLC, a subsidiary of Block, Inc**. Bitcoin services by Block, Inc, not by Cash App Investing LLC.

Download Cash App

Send Money with Cash App (4)

Download CashApp to get started

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Send Money with Cash App (5)

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Common Questions

Does Cash App charge a fee to send or receive money?

It's always free to receive money to your personal Cash App account. It's also free to send money from your Cash App balance or your linked debit card. Cash App charges a 3% fee to send money from a linked credit card. When transferring money from Cash App to a linked account, there's no fee for a standard cash out, which typically takes 1-3 business days, while there is an instant deposit fee (0.5%-1.75%) for expedited transfers — typically funds are available within minutes.

Do I need a balance before I can transfer money?

Nope, if you don’t have money in your Cash App balance, Money will be drawn from a linked bank account or card. There are a few different ways you can add money to your balance.

Link a bank account:

Cash App works better when you link an existing bank account. Once you do, you can add money from your bank account to your Cash App balance so it’s quick and easy to send it. Linking your bank account makes receiving money easier too. When you cash out, your payments deposit instantly into your bank account.

Deposit paper money in stores:
You can deposit money into your Cash App balance at many participating retailers.

Set up direct deposits:
You can also deposit paychecks, tax returns, and more to your Cash App balance using your bank account and routing number. You can receive up to $25,000 per direct deposit, and up to $50,000 in a 24-hour period.

Cash App makes direct deposits available as soon as they are received, up to two days earlier than many banks. Your first deposit may take longer to become available depending on your employer.

Can I send money to someone who’s not on Cash App?

You can request to send money to anyone with a phone number or email address.

If they’re not already using Cash App, they’ll be prompted to create an account to accept the payment. If they don’t create and verify their account within 14 days, the payment gets returned to you. Only residents of the U.S. can create Cash App accounts.

So, how does Cash App keep my money safe?

Cash App protects millions of people’s payments each month. Cash App is built on one secure platform, with advanced security features to power and protect your personal information and every single transaction that happens on the platform.

How does Cash App keep my account safe?

Cash App uses cutting-edge encryption and fraud detection technology to make sure your data and money are secure. Any information you submit is encrypted and sent to our servers securely, regardless of whether you’re using a public or private Wi-Fi connection or data service.

Is my Cash App balance insured by the FDIC?

If you have a Cash App Card, the money in your Cash App account balance is covered by the FDIC through our partner banks (this is called FDIC “pass-through” insurance) in the event of bank failure. The FDIC will cover eligible accounts up to $250,000 per Cash App customer. Bitcoin and investing balances are not covered by FDIC insurance.

Does FDIC cover money lost due to fraud?

No, FDIC offers insurance on deposits by institution, meaning that if your bank goes out of business, your money is protected up to $250,000. Insurance coverage is not provided for individual transactions.

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Send Money with Cash App (2024)

FAQs

How do I use Cash App to send money to someone? ›

Sending a Payment
  1. Open the Cash App.
  2. Enter the amount.
  3. Tap Pay.
  4. Enter an email address, phone number, or $cashtag.
  5. Enter what the payment is for.
  6. Tap Pay.

Can someone send money to Cash App without an account? ›

You need an account to send money to another person's Cash App account, but the reverse is not true. You can send money to a person who doesn't have an account from the app if you have their email address or phone number.

Can you use Cash App without a bank account? ›

Do I need a bank account to use Cash App? No, you don't need a bank account to create a Cash App account or add money to your Cash App balance. There are a number of ways to send and receive money through Cash App if you don't have or want to link your bank account.

How do I pay with Cash App in person? ›

In-person payments: To pay with Cash App in person, customers can scan a QR code provided by the business or use the business's $Cashtag, a personalized identifier within Cash App. This process initiates a direct transfer from the customer's Cash App balance, linked bank account, or associated card to the business.

How can I send cash money to someone? ›

Venmo, Cash App, Google Pay, Zelle, PayPal, and wire transfer are some of the safest way to send money digitally. Money transfer apps are inexpensive and convenient options for paying family and friends. Wire transfers at a bank are ideal for securely sending large amounts domestically or internationally.

Can someone just send me money on Cash App? ›

On Cash App, anyone can send a payment to anyone else, or request payment from anyone else. That open contact allows fraudsters to pull various scams. If a random person sends you money on Cash App or requests money, it's likely a scam.

Can you send or receive money on Cash App without a card? ›

Yes, you can send money on Cash App without a debit card or bank account. Cash App allows you to make direct deposits to deposit paychecks, tax returns, and cash (at participating retailers) into your account.

How much does Cash App charge to send money? ›

Basically, there are no Cash App fees for sending money if you stick to standard transfers that are processed within 1-3 business days. For instant payments, though, you'll have to pay fees ranging between 0.5%-1.75%. Transfers supported by credit cards will also cost you 3% per transaction.

Can I send money from my Cash App to someone else's Chime account? ›

P2P services let you make secure payments online without worrying about a third party accessing the transaction. Even if you don't have funds in your Cash App account, by linking it to Chime, you can easily send money to your account or another user.

Does Cash App require an account? ›

Using the Cash App requires you open an account. You'll need to be a U.S. resident and at least 18 years old. If you want to use your account balance to send money to another Cash App user, then you'll need to give us some more information about you, and we'll need to be able to verify your identity.

Can I get money off Cash App without card? ›

There are two ways to withdraw money from Cash App without a card: 1. Transfer the money to your linked bank account: Open the Cash App and tap the Balance tab.

How can I send money through Cash App? ›

How to send money with Cash App
  1. Open the Cash App mobile app.
  2. Enter the amount you want to send.
  3. Tap “Pay.”
  4. Enter the email address, phone number or “$Cashtag” (another person's username in the app).
  5. Enter what you are sending the payment for.
  6. Tap “Pay.”
Feb 15, 2024

Can I link someone else's bank account to my Cash App? ›

Can I Link Someone Else Bank Account To Cash App? Yes, you are able to link someone else's bank account to Cash App if you are allowed and authorized by the owner to do so. Meaning you are actually doing that on their behalf.

How do I put money away from Cash App? ›

To add funds to your savings balance:
  1. Tap the Money tab on your Cash App home screen.
  2. Tap your savings balance.
  3. Select Transfer in, then choose the amount you would like to add.
  4. Change the account funds will transfer from using the grey arrow (Cash balance, external bank account, or linked debit card)

How do I use Cash App for the first time? ›

Create an Account
  1. Tap on Cash App to launch it.
  2. To create an account, enter your phone number or an email address.
  3. Cash App will send you a secret code via text or email—enter it.
  4. You can invite friends to sign up with Cash App to earn cash (optional)
  5. Enter your debit card info to link your bank account to Cash App.

Is Cash App a checking or savings account? ›

Cash App Direct Deposit is a checking account. When you set up direct deposit in the Cash App, you are essentially creating a checking account that is used for the direct deposit of your paychecks or other income. This account can be used to withdraw funds, make purchases, and send money to other Cash App users.

How to use Cash App without card? ›

The Cash App features a digital wallet that lets you pay anyone and anywhere without a debit card. Once you're logged into your Cash App, you can make payments using various methods, including QR transfer, touch-less payment, and direct payment.

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