You can load money onto your Cash App card in three ways: transferring funds from a linked bank account inside the app, depositing physical cash at a participating retailer, or setting up direct deposit from your employer. Each method puts money into your Cash App balance, which is what your Cash App card draws from when you make purchases or ATM withdrawals.
Add Money From a Linked Bank Account
The fastest way to load your Cash App card is transferring money from a bank account or debit card you’ve already connected to the app. Here’s how:
- Tap the Money tab on your Cash App home screen
- Press Add money
- Choose the amount you want to add
- Select the bank account or debit card you want to pull from
- Confirm with your PIN or biometrics
The transfer typically takes a few seconds to a few minutes for debit card funding. If you haven’t linked a bank account yet, you’ll need to do that first by entering your account and routing number or connecting your debit card. Once the money hits your Cash App balance, it’s immediately available to spend with your Cash App card.
Deposit Physical Cash at a Store
If you have paper money you want to load onto your card, Cash App lets you deposit cash at dozens of retail chains across the country. The network includes major stores like Walgreens, CVS Pharmacy, Dollar General, Dollar Tree, Family Dollar, 7-Eleven, Kroger, Walmart, Sheetz, and many others.
There are two ways the deposit works depending on the retailer. At some stores, you can swipe your Cash App card at the register and hand the cashier your cash. At others, you’ll need to generate a barcode in the app first, then have the cashier scan it before you hand over the money. Stores like Walgreens, CVS, Dollar General, Kroger, and 7-Eleven support both methods. Retailers like Walmart, H-E-B, Circle K, and Sheetz use the barcode method only. At Walmart specifically, you’ll need to visit the customer service desk or MoneyCenter rather than a regular checkout lane.
To generate a barcode for stores that require one, open Cash App, tap the Money tab, and look for the option to deposit cash. The app will create a scannable barcode the cashier can use.
Fees and Limits
Cash App charges a flat $1 processing fee on each paper money deposit, deducted automatically from the amount you’re depositing. So if you hand the cashier $50, your balance increases by $49. That $1 fee is waived if you have Cash App’s Green Status, which you earn by receiving regular direct deposits into your account.
Keep in mind that some retailers may also have their own policies on minimum or maximum deposit amounts per transaction. Your funds generally appear in your Cash App balance within minutes of the deposit completing at the register.
Set Up Direct Deposit
If you want your paycheck loaded onto your Cash App card automatically, you can set up direct deposit through your employer. Cash App gives you a unique account number and routing number that work just like a traditional checking account.
To find your direct deposit details:
- Tap the Money tab on your home screen
- Scroll down and tap Direct deposit
- View your account and routing numbers
You can also access these details on a computer by logging into cash.app/account, clicking Money on the left side, and clicking Show to reveal your full account information (you’ll need to enter your PIN).
Give your employer the account number, routing number, and the banking information they may ask for: the account is listed as a checking account through Block Inc, c/o Sutton Bank. Most employers and payroll systems can process this the same way they’d handle any other bank direct deposit. It typically takes one to two pay cycles for the switch to take effect, depending on your employer’s payroll schedule.
Direct deposit is worth setting up even if you only route part of your paycheck to Cash App. Beyond the convenience of automatic loading, regular direct deposits can qualify you for Green Status, which waives the $1 fee on paper money deposits and may unlock other perks like getting your paycheck up to two days early.
Other Ways Money Reaches Your Balance
Your Cash App balance also grows any time someone sends you a payment through the app. If a friend pays you back for dinner or a client sends you money for work, that amount is immediately available on your Cash App card. You don’t need to do anything extra to “load” those funds; they land in the same balance your card uses for purchases and withdrawals.