What Cards Work With Cash App and How to Link Them
JK
Summary:
Cash App allows you to link debit and credit cards from the big four card companies: Visa, MasterCard, American Express, and Discover. Both personal and business debit cards work, as long as they are issued by a bank or credit union. You can even use a prepaid card. However, be aware that there are some requirements for linking cards to Cash App and some fees involved with certain types of transfers.
Cash App is a popular peer-to-peer payment platform. It allows Cash App users to send money easily and for free using the recipient’s phone number, email address, or $cashtag. Once you first sign on, you will be prompted to link your bank account, but you can attach another card once the account becomes unrestricted. You can link your debit card, credit card, and even a prepaid card.
You should know some ins and outs of attaching a card to your Cash App account, such as which cards work best, how to attain an unrestricted account, and how exactly payments within the app work. Read on for in-depth answers, plus other tips and tricks you should know if you frequently use Cash App.
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What cards work with Cash App
There are many options for cards you can link to Cash App. Debit and credit cards can be linked so that you can transfer cash both ways; that is, from the card to Cash App and from Cash App to the card. When using a prepaid card, cash can only flow from the card into your Cash App account.
Credit and debit cards
According to the Cash App website, Cash App supports debit and credit cards from the big four card companies: Visa, MasterCard, American Express, and Discover. Debit cards should be issued by a bank or credit union. Both personal and business debit cards work.
Any card from a U.S. financial institution can be linked. But it is not guaranteed that the card will work for transactions, as some financial institutions may block transactions from digital payment apps like Cash App. You may want to call your card company, especially if it’s not a Visa, MasterCard, American Express, or Discover card, and ask about the possibility of linking the card to Cash App.
It’s important to note that while there are no fees for most Cash App services, you will run into fees if you use a credit card. If you send money with a credit card, you will be charged a 3% transaction fee. You can avoid this by sending money from a debit card or bank account instead.
According to financial expert Gates Little, CEO of altLINE at the Southern Bank Company, “Cash App works best with debit cards because it allows you to use the most features offered by the app. ATM withdrawals, sending and receiving money, and making purchases are all available features if you link your debit card to the app. This is really why people have the app in the first place, so they can pay back friends when splitting bills or leave physical cards at home.”
Pro Tip
Another fee you should be aware of in Cash App is an instant transfer fee, which is 1.5% of your deposit. You will only incur this fee when you request that money be instantly transferred from Cash App. If you don’t choose this option, there won’t be a fee but you will have to wait 1-3 business days before you see the funds in your account.
Prepaid cards
Cash App does work with prepaid cards, but they have to be reloadable prepaid cards that have been ID-verified. If the card is not reloadable, this will probably be stated very clearly on the card. In order to verify the card, you should call the phone number on the card and tell them you want to verify your identity so that you can reload the card. The card must be a Visa, Mastercard, American Express, or Discover card.
Here are some prepaid cards that work with Cash App:
- Netspend Visa
- Walmart MoneyCard
- PayPal MasterCard
- MyVanilla
- government-issued cards
Pro Tip
It’s very important to note that you can only send money to someone using a prepaid card — you cannot deposit money from Cash App to a prepaid card.
The Cash Card
The Cash App Card, also known as the Cash Card, is a Visa debit card linked to your Cash App balance. You can use this card just as you would any other debit card. Financial institutions view this card as a prepaid card. Follow these steps to get a Cash App card:
- On the Cash App home screen, tap the Cash Card tab.
- Press “Order” to get your Cash Card.
- Continue by tapping “Continue.”
- Comply with the instructions.
You need to verify your identity before you order a Cash Card. Steps taken to verify your identity include providing your date of birth (you must be at least 18 years old) and your Social Security number. You may also be asked to take a selfie and a photo of your driver’s license or state identification card. Once you order the Cash Card, it should arrive within 10 business days.
Pro Tip
If you are under the age of 18, you can still use Cash App with a family account. The account must be approved by a parent or legal guardian.
Setting up your card in Cash App
When you first set up your Cash App account with your bank account, you have a restricted account. This means you can send and receive limited amounts of money using your bank account. In order to remove those limits and link your preferred debit, credit, or prepaid card, you need to have an unrestricted account, which you can get via a verification process.
How to go from a restricted account to an unrestricted account
With a restricted Cash App account, you can only send up to $250 in a seven-day period and receive $1,000 in a 30-day period. In order to move to an unrestricted account, you need to fill out more detailed information to verify your identity. This includes your name, date of birth, mailing address, and the last four digits of your Social Security number. Once verified, account holders can send up to $7,500 per week and receive an unlimited amount of funds.
Linking your card in Cash App
Once you have an unrestricted account, you can add a debit or credit card to Cash App (via the mobile version). Follow these steps:
- Open Cash App on your Apple or Android mobile phone.
- Tap the profile icon in the top right corner of the screen.
- Tap “Linked Banks” in the Account & Settings menu.
- Tap “Add Credit Card or Debit Card” to start the process.
- You’ll be asked to enter your card information. Do so, then tap “Add Card” at the bottom. Your card will be added to your wallet immediately.
How to use Cash App without a linked bank account
If you don’t have a linked bank account, there are still some ways you can go about using the app. You can add money to your Cash App account by visiting a store, such as a convenience store, dollar store, pharmacy, or Walmart. Once there, ask the cashier if they offer a Cash App money-loading service.
Another option is to just request money from one of your Cash App contacts. You can also go through the process of requesting a Cash App card be mailed to you, and then use it to load money into your account.
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FAQ
What app can I link my Cash App card to?
You can link your Cash App card to a lot of apps, as you can essentially use the card as you would a debit card. Within Cash App, tap the Cash Card tab on your home screen, tap the image of your card, and options will appear for apps you can add the card to. You can also often add the card to an app when selecting a payment method while using the app.
Does Green Dot work with Cash App?
Yes, Green Dot works with Cash App, but only with the Green Dot Cash Back Visa® Debit Card. In order to transfer money from Green Dot to Cash App, follow these steps: open Cash App, tap the banking tab, press “add cash,” and enter the desired amount. You will be asked to type your PIN or use Touch ID to confirm, and from there the money will directly transfer from your Green Dot card into your Cash app account.
Why can’t you link a prepaid card to Cash App?
You may run into trouble linking your prepaid card to Cash App if the card is not reloadable or is reloadable but unverified. (In this case, call the number on the card to verify it.) Remember, the card must be a Visa, Mastercard, American Express, or Discover card.
What banks work with Cash App?
All banks should work with Cash App, as long as the card you are trying to link is a Visa, Mastercard, American Express, or Discover card. If you use a small bank or credit union, you may want to call them to make sure your card will work with an app.
Can I link GO2bank to Cash App?
Yes, you can transfer money from your linked GO2bank account into Cash App. There is a transfer limit of $1,500 per month.
Can I link a prepaid Walmart card to Cash App?
Yes, you can link a prepaid Walmart card to Cash App. You can add your Walmart prepaid card to your Cash App account as a funding source. This requires entering your prepaid card information into Cash App, which includes the card number, expiration date, and security code. Once you’ve entered this, transfer the money from your prepaid card to your Cash App balance.
Key takeaways
- There are many different ways you can fund your Cash App account, including linking your debit, credit, or prepaid card. Or, you can find a Cash App money-loading service in a physical store, such as Walmart.
- All debit and credit cards from Visa, Mastercard, American Express, and Discover that are issued from a United States bank or credit union can be linked to your Cash App account. Funds can flow in both directions, so you can use the card to conduct payments or transfer funds from Cash App to the card.
- Beware of using credit cards, as there is a 3% transaction fee when sending money with a credit card.
- Prepaid cards work with Cash App, though the card has to be reloadable and ID-verified. Prepaid cards can only work in one direction, by funding transactions you make using Cash App.
- No surprise here, but Cash App cards can also be linked to your Cash App account. These are physical cards directly connected to your Cash App balance and can be ordered for free in the app by anyone over the age of 18.
- Linking your card to Cash App is simple, but you need to make sure your account is unrestricted. You will have to complete the verification process, which requires answering questions about your personal information.
- Once your account is unrestricted, go to “Linked Banks” in the Account & Settings menu and tap “Add Credit Card or Debit Card” to start the process.
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