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Cash App review

Send and receive money from your phone with a linked debit card.

Cash App sets itself apart from peer-to-peer payment services with the ability to receive direct deposit payments to your bank account and to buy and sell Bitcoin.

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Instant withdrawal fee

No fees

Fees to send


Maximum transfer amount (verified)


Product NameCash App
Fees to sendNo fees
Instant withdrawal fee1.5%
Free withdrawal speedUp to 3 business days
Payment methodBank account, Credit card, Debit card, Google Pay, Apple Pay
Ways to receiveBank account, Debit card, Mobile wallet, ATM
Maximum transfer amount (unverified)$250
Maximum transfer amount (verified)$2,500
Supported devicesiOS app, Android app, Browser
Customer supportPhone, Email
Supports international transfers?Yes

What is Cash App?

Cash App is a peer-to-peer digital payment app backed by Square that allows you to send and receive money through your bank account using your debit card. Cash App is often used to pay friends or family — for instance, after getting dinner together or splitting the cost of a trip.

Your Cash App account comes with a Visa debit card — called a Cash App Cash Card — that you can use to pay for goods and services in the US from your Cash App balance without involving your bank account or personal credit card.

How does Cash App work?

Cash App works by sending money from your bank account to your recipient’s Cash App balance. You can pay someone through Cash App using their phone number or email, and they’ll be sent a link to claim the payment if they aren’t a Cash App user.

Some unique things to know about Cash App:

  • You must be 18 or older to open an account.
  • You can receive direct deposit payments to your Cash App balance.
  • Your $Cashtag is your unique way to receive payments.
  • All money received through Cash App will be stored in your balance until you withdraw it.

Compare Cash App to other domestic money transfer services to see which is best for you.

Why should I use Cash App?

  • Makes paying friends and family straightforward. Whether you’re splitting dinner or paying your brother back for a tuxedo rental, Cash App makes moving money a breeze.
  • Buy/sell Bitcoin and stocks. Cash App lets you buy and sell stocks and Bitcoin directly from the app.
  • No fees. Using Cash Apps standard service can be done for free, but certain features like expedited withdrawal may cost extra.

What should I watch out for with Cash App?

  • US only. You can’t use Cash App to send money abroad, even if Cash App is available in the country you’re trying to send to.
  • Low limits. Your sending limits will be capped until you verify your account by providing identification.
  • No sending protection. Cash App is intended for personal transfers to people you know, so treat Cash App payments like sending cash.

How to use Cash App

There are multiple things you can do with Cash App, including sending and receiving money, buying and selling Bitcoin, accepting direct deposits and adding funds to spend on your Cash App card. Before you can do any of these, you’ll need to create your Cash App account by downloading the app and creating an account.

How to send money on Cash App

  1. Open your Cash App mobile app
  2. Enter amount to send, tap Pay.
  3. Enter name, $Cashtag, phone number or email of recipient.
  4. Add reason for payment (emojis allowed).
  5. Tap Pay to send money.

How to add money to Cash App card

  1. Navigate to the banking section in the app.
  2. Tap Add Cash.
  3. Choose an amount to add.
  4. Tap Add.
  5. Use your PIN or Touch ID to confirm payment.

How to set up direct deposit in Cash App

  1. Navigate to the banking section in the app.
  2. Tap Deposits & Transfers.
  3. Tap Enable Direct Deposit to turn your direct deposit account on.
  4. Order your free Cash App card to enable direct deposit.
  5. Use the direct deposit information displayed to receive direct deposit payments.

How to buy stocks or Bitcoin on Cash App

  1. Navigate to the stock page in the app.
  2. Search for the stock you want to buy, or select Bitcoin.
  3. Select the frequency of your purchase and how much you’d like to buy.
  4. Verify your name and identity if you haven’t already done so.
  5. Tap Buy to complete your order.

For more information on buying stocks or Bitcoin, see our full review of Cash App’s investing features.

Cash App limits

A new Cash App account is limited to sending $250 per week, but identity verification can quickly lift this:

Non-verified accounts

  • Send: $250/week
  • Receive: $1,000/month

Verified accounts

  • Send: $2,500/week
  • Receive: Unlimited

You must verify your identity to increase your transaction limits. You must be at least 18 years old to become verified with your full name, date of birth and the last four digits of your SSN. If Cash App can’t verify your ID, it might require additional information.

Check out other alternatives for sending money online

Cash App fees

Cash App charges a 3% fee when paying by credit card and a 1.5% fee for instant transfers. Cash app fees can often be avoided by choosing the slower option and by never paying by credit card. Some fees, like ATM charges, will be reimbursed — up to 3 times per month and up to $7 per withdrawal — if you receive at least $300 in direct deposits to your Cash App account each month.

Instant withdrawal1.50%
Standard withdrawalFree
ATM withdrawal$2 (reimbursable)
Pay by credit card3.00%
Pay by debit cardFree
Pay by bank accountFree
Buy/sell Bitcoin1.75% (estimated)
Buy/sell stocksFree

Fees accurate as of September 30, 2020.

ATMs and your Cash Card

If you’ve signed up for the Cash App Cash Card, which is free, you can withdraw money from your Cash App balance through ATMs. Cash App will charge you for using ATMs, by default, and the ATM may also charge you additional fees. Before using your Cash Card at an ATM, keep in mind that:

  • Limits apply – A max of $310 per transaction and $1,000 per 7-day period can be withdrawn.
  • You can avoid fees – Up to 3 ATM withdrawals per 31 days will be reimbursed if you receive paycheck direct deposits to your Cash App account that total more than $300 per month.
  • There’s a cap on reimbursement – A maximum of $7 will be reimbursed per withdrawal, meaning a cap of $21 per 31-day period will be reimbursed.

Cash App reviews and complaints

Cash App has a poor rating on Trustpilot, ranking in at 1.2 out of 5 stars with 2,144 customer reviews. Many of the reviews discuss fraudulent transactions, a struggle to verify accounts and poor customer service. However, given that Cash App is primarily a mobile app, it might be worth taking into account the high ratings that Cash App has on both Google Play and the App Store.

Reviews accurate as of October 6, 2020.
Google Play Store4.2 out of 5 — based on 245,450 customer reviews
Apple App Store4.5 out of 5 — based on 400,300 customer reviews

Forums like Reddit are more positive in their Cash App feedback, but not entirely. Recent complaints include lacking customer support, declined transactions with limited details and sudden closures of Cash App accounts — one while waiting for a Bitcoin transaction.

Is Cash App safe?

Cash App is owned by Square, a financial payments company that was launched in 2009 by Jack Dorsey, Twitter’s Co-founder. Cash App is PCI Data Security Standard Level 1 compliant, which is the highest level of data compliance in the payment industry. Additionally:

  • Cash App encrypts all financial transactions.
  • Encourages you to protect your account with 2-factor authentication and biometrics.
  • Monitors accounts for fraudulent activity.
  • Handles millions of transactions a year.

However, your account is only as safe as you allow it to be. Never give out your password, open any suspicious Cash App related emails or send money through Cash App to people you don’t know.

Bottom line

If you’re looking for a simple peer-to-peer payment app with no debit card fees, Cash App is worth considering. But with opaque fees, a focus on Bitcoin and multiple customer complaints, you may want to compare top mobile payment apps first.

And if you need to send money for business, rather than to friends and family, you’ll want to compare other Square products.

Frequently asked questions

What happens if someone sends me money and I don’t have the Cash App?

You can retrieve your money without it. After you receive a text or an email from the app, you’re asked to enter a bank account or debit card information to receive your deposit.

How long does the Cash App take to deposit into a bank account?

It depends on the option you choose for delivery:

  • Standard. Up to three business days.
  • Instant. Nearly immediately with a fee equal to 1.5% of your transaction.

Only use Instant transfers when you’re willing to pay the fee.

How do I change the email or phone number on my Cash App account?

To change the email or phone number on your account:

  1. Tap the profile icon from the Cash App home screen.
  2. Tap Personal.
  3. Tap the phone number or email you want to change.
  4. Tap Add Phone or Email to enter a new email or number.

Your account can be linked to multiple emails and phone numbers at once.

How do I change my PIN?

To change your Cash App PIN, you’ll need to first open the app:

  1. Tap the profile icon from the Cash App home screen.
  2. Tap Privacy & Security, which should be the second option.
  3. Look for Change Cash PIN under the Security section. You’ll need to scan your finger or face to verify your identity, if you’ve already set a PIN.
  4. Confirm your new PIN by entering it a second time.

Can I refund a payment?

Yes. Tap the payment you want to refund, select Refund and tap OK.

Are Cash App and Snapchat linked?

Yes. Snapchat’s payment system, Snapcash, is also powered by Square. Add your debit card information to your Snapchat, open a private message to a friend, type in a dollar amount and Snapchat recognizes that you’re trying to send or request money. The rest of the process works like Cash App.

Compare other services that send money within the US

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    Default Gravatar
    April 26, 2020

    What details am I going to give to the person sending the funds?

      Avatarfinder Customer Care
      April 27, 2020

      Hi Fred,

      Thanks for reaching out to Finder.

      I understand you would like to know the details you need to give your sender using Cash app.

      Your sender will need an email address, mobile phone number or a $Cashtag.

      I hope this helps.



    Default Gravatar
    March 10, 2020

    I have a Cash app and my card is enabled. What do I do in order to use my card? I don’t want to add my bank account on it.

      Default Gravatar
      March 12, 2020

      Hi Victoria,

      Thanks for contacting Finder. I hope you are well.

      Your Cash App account comes with a Visa debit card — called a Cash Card — that you can use to pay for goods and services in the US from your Cash App balance without involving your bank account or personal credit card. Your Cash Card may be used to make purchases with a merchant using any available amounts in your Cash App Balance. Upon activating the Service, you instruct Square to use the available funds in your Cash App Balance to load your Cash Card for making purchases with your Cash Card and to transfer the funds from your Cash App Balance to your Cash Card upon receipt of funds into your Cash App Balance.

      Hope this helps and feel free to reach out to us again for further assistance.


    Default Gravatar
    February 17, 2020

    How would i change my pin

      Default Gravatar
      February 17, 2020

      Hi Judith,

      Thanks for your comment and I hope you are doing well.

      To reset your PIN:
      Tap the profile icon on your Cash App home screen.
      Select Privacy & Security.
      Press Change Cash PIN.
      Confirm your new PIN.

      Hope this helps and feel free to reach out to us again for further assistance.


    Default Gravatar
    February 9, 2020

    Can i send money that is not yet in my bank but will be before the 3 day deposit into receivers account

      Default Gravatar
      February 9, 2020

      Hi Erin,

      Thanks for getting in touch! I hope you are well.

      You won’t be able to send money when there are no funds in your Cash app.

      Hope this clarifies!


    Default Gravatar
    December 19, 2019

    I don’t know anyone able to send me money. Can I go to places like Walmart or CBS to use them to deposit money

      Default Gravatar
      December 20, 2019

      Hi Tracy,

      Thanks for your comment and I hope you are doing well.

      One wat to add cash to your Cash App balance is to do a direct deposit. Please see the steps below:

      1. Tap the Balance tab on your Cash App home screen.
      2. Press Add Cash.
      3. Choose an amount.
      4. Tap Add.
      5. Use Touch ID or enter your PIN to confirm.

      You can use Walmart to deposit into Cash App and add anywhere from $20 to $1100 at one time. Simply visit a Walmart store and they’d be able to help you out on the transaction.

      Hope this helps and feel free to reach out to us again for further assistance.


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