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

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

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

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Common Questions

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

It’s always completely free to send or receive money on Cash App. There’s no fee to transfer money, and most payments deposit directly into your bank account in minutes.

International transactions are also fee-free. When you send a payment to either the UK or EU it’s converted based on the mid-market exchange rate at the time of the transaction, and your recipient will receive the funds in their local currency. There’s no extra charge.

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 send money to anyone in the world 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.

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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FAQs

Send Money with Cash App? ›

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. Cash App will send them a notification to download the app.

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

To send a payment:

Open the Cash App mobile app.
Enter the amount you want to send.
Tap “Pay.”
Enter the email address, phone number or “$Cashtag” (another person's username in the app).
Enter what you are sending the payment for.
Tap “Pay.”

Oct 18, 2023

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Can I send money to Cash App without a Cash App account? ›

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How do I send a payment to Cash App? ›

Sending and Receiving Payments

Open Cash App.
Enter the amount you would like to send.
Tap Pay.
Enter an email address, phone number, or £Cashtag.
Optionally, enter what the payment is for.
Tap Pay.

Does someone need my email to send me money on Cash App? ›

Sending and receiving money via the platform is easy and users only need the $Cashtag, phone number, or email address of their recipients. Since Cash App is home to millions of payments, this makes it a great target for scammers always in search of victims to scam.

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How much money can you send on Cash App in one day? ›

Cash App Cards have a limit of $7,000 per transaction. They also have a maximum limit of $7,000 per day, $10,000 per week, and $15,000 per month.

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How much does it cost to transfer $100 on Cash App? ›

If you are sending $100 through Cash App using your linked debit card or bank account, typically there isn't a fee associated with that transaction. However, if you don't have a bank account, or simply wish to send the $100 using a credit card, Cash App charges a 3% fee.

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What is Cash App fee for $300? ›

You may also be charged a fee by the ATM operator. If you receive $300 or more in direct deposits in any given month, we will reimburse all fees for three ATM withdrawals (up to $7 in fees per withdrawal) for the following 31 days. Any additional withdrawals in the 31 day period will be $2.50.

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What is the Cash App fee for $100? ›

FAQ about Cash App fees

Cash App doesn't typically charge a fee for sending or receiving $100, with a few exceptions. If you use a credit card to send money through Cash App, you'll pay a 3% fee, which is $3 for a $100 transaction.

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Can someone access your Cash App account? ›

Can someone steal your Cash App account? Not unless they have access to your phone. If you notice phone hacking signs, stop using Cash App and any other payment app immediately. Though Cash App itself is safe, the quick access to money has opened the platform to a variety of different types of scams.

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