You can deposit money into Cash App two ways: transferring funds from a linked bank account or debit card, or depositing physical cash at a participating retailer. Both methods add money directly to your Cash App balance, and the in-app transfer takes just a few taps. Here’s how each option works.
Add Money From a Bank Account or Debit Card
The fastest way to fund your Cash App balance is by pulling money from a bank account or debit card you’ve already linked. Open Cash App, tap the Money tab on your home screen, then press “Add money.” Enter the amount you want to deposit, select your preferred payment method (your linked bank or card), and confirm with your PIN or biometrics if prompted. The funds typically appear in your balance within one to three business days for bank transfers, though debit card transfers can arrive faster.
If you haven’t linked a funding source yet, Cash App will walk you through connecting a bank account or debit card during the process. You’ll need your account and routing numbers for a bank account, or the card number, expiration date, and CVV for a debit card. Credit cards can sometimes be linked for sending payments, but they aren’t a reliable option for loading your balance and may carry cash advance fees from the card issuer.
Deposit Cash at a Retail Store
If you want to deposit physical bills, Cash App’s Paper Money Deposit feature lets you load cash at thousands of retail locations across the country. Major chains that accept these deposits include Walgreens, CVS Pharmacy, Dollar General, Dollar Tree, Family Dollar, 7-Eleven, Kroger, Walmart, and many more. The full list covers dozens of grocery, convenience, and pharmacy chains.
There are two ways the deposit works at the register, depending on the retailer. At stores like Walgreens, CVS, Kroger, and 7-Eleven, the cashier can either swipe your Cash App Card or scan a barcode from your app. At other locations like Walmart, Sheetz, Circle K, and H-E-B, only the barcode method is available.
To generate your barcode, open Cash App, tap the Money tab, and select “Paper Money Deposit.” Show the barcode on your screen to the cashier, hand them the cash you’d like to deposit, and the funds are automatically added to your Cash App balance. At Walmart specifically, you’ll need to visit the customer service desk or MoneyCenter rather than a regular checkout lane, and those counters may keep different hours than the rest of the store.
Fees for Cash Deposits
Adding money from a linked bank account or debit card through the app is free. Retail cash deposits, however, may carry a small service fee charged by the retailer. The fee varies by store and deposit amount, so check the total before you hand over your cash. The fee will be displayed on your screen or receipt before you confirm.
Deposit Limits and Verification
Cash App sets limits on how much you can add to your balance, and those limits depend on whether you’ve verified your identity. Unverified accounts face tighter restrictions on both sending and receiving money. To unlock higher limits, you’ll need to verify your identity by providing your full legal name, date of birth, and Social Security number or Individual Taxpayer Identification Number (ITIN). If Cash App can’t confirm your identity from that information alone, it may ask for additional documentation.
Verification is free and happens inside the app. Once approved, your sending, receiving, and deposit limits all increase significantly. If you plan to use Cash App regularly or need to deposit larger amounts, completing verification upfront saves you from running into caps at an inconvenient time.
When Deposited Funds Become Available
Cash deposited at a retail store is generally available in your Cash App balance right away, since the transaction processes at the register in real time. Bank transfers can take a bit longer. Standard transfers from a linked bank account typically settle within one to three business days. If you need funds immediately, using a debit card for the transfer or depositing cash at a store are your quickest options.
Once money is in your Cash App balance, you can use it to send payments, make purchases with your Cash App Card, transfer it to a linked bank account, or invest it through the app’s stock and Bitcoin features.