Can I Use Cash App without a Bank Account?
We get the question "Can you use Cash App without a bank account" and here's what you need to know!

elisabeth samuels
Last Updated: February 26, 2022
Date Published: February 24, 2022
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You may be wondering if you can use Cash App without a bank Account and the answer is yes, but there are some things to know before setting it up.

While we do live in a digital age, which makes sending and receiving money so easy, many users come to find that most payment apps require a bank account.

You will be happy to hear that you can use Cash App without ever setting up a bank account and here is how!

can you use cash app without a bank account

Can I use Cash App without a Bank Account?

Yes, You Can use Cash App without a Bank account.

Cash App is free to download and setup on your phone and a bank account is not required for setup.

That being said, Cash App users who do not have a bank account or debit/credit card setup on their profile are considered unverified users.

Unverified users can still send and receive money but with restrictions.

For example, unverified users can only send and receive money up to $1,000/month.

Verified users (who have a bank account setup) can send and receive $7,500/month.

If you don’t plan on doing more than $1,000/month in transactions, read on to find out how you can add money to your CashApp without setting up a bank account.

How can I add Money to Cash App without a bank account

Obviously the easiest way to add money to a Cash App account is to add your bank account and add funds directly from there.

If you choose not to add a bank account, here are a couple of ways you can add money to your Cash App:

  1. A simple way to add money to your Cash App is to send a money request to a friend or family member. They can then send you up to $1,000 in cash to be added to your Cash App account. You can then send money to other users until that balance is depleted.
  2. Another way to add some money to your Cash App account is to add all your friends on Cash App and receive a free Cash App referral bonus when they sign up.
  3. The third way to add money to your Cash App is by visiting a participating retail store and tell the cashier that you want to add money to your Cash App card. You will want to note that there is a reloading fee of $4 per transaction.

The following is a list of participating retailers:

  • CVS
  • Dollar General
  • Dollar Tree
  • Family Dollar
  • Rite Aid
  • Target
  • Walgreens
  • Walmart
  • 7-Eleven

A Cash App card is a Debit card that can be used to pay for goods and services from your Cash App balance and it works both online and in stores.

Furthermore, the Cash App card can be added to Apple or Google pay.

You can order a Cash Card directly in the Cash App buy visiting the Cash Card tab and following the instructions there.

Cash Cards usually take 5 – 10 days to arrive via mail once they are ordered.

can you use cash app without a bank account

How to Cash Out your Cash App money without a bank account

At some point you may want to cash out your Cash App balance, but is this possible without a bank account to deposit the funds into?

The only way this is possible is by using your Cash App Card at an ATM.

You can visit any ATM to withdraw money from your Cash Card but there is always a fee of $2 per transaction.

Even though it is not free, if you need access to cash, you can use your Cash App card to withdraw money from your Cash App balance.


While Cash App is primarily designed for use with a bank account, there are ways around it – as you can see.

Just remember that Cash App users without a bank account are unverified and are therefore restricted to $1,000 of transactions per month as well as ATM Cash App fees and Cash Card fees at participating retailers.

To enjoy all that Cash App has to offer, we recommend linking a bank account, but when this is not possible, know that there are still other options for using the Cash App to send and receive money.