You can get money out of Cash App by transferring your balance to a linked bank account, withdrawing cash from an ATM with a Cash App Card, or getting cash back at a store checkout. Each method has different speeds, fees, and limits, so the best option depends on how quickly you need the money and whether you have a Cash App Card set up.
Transfer Your Balance to a Bank Account
The most common way to get money from Cash App is to “cash out” your balance to a linked bank account or debit card. Open the app, tap your balance on the home screen, then tap “Cash Out.” You’ll choose an amount and pick between two transfer speeds.
Standard transfers are free and typically arrive in one to three business days. The money goes to the bank account you’ve linked in the app. If you’re not in a rush, this is the cheapest option since there’s no fee at all.
Instant transfers send money to your linked debit card and usually arrive within seconds. The trade-off is a fee of 0.5% to 2.5% of the transfer amount, with a minimum charge of $0.25 to $1 and a maximum of $75. The exact fee is shown on screen before you confirm, so you’ll know the cost upfront. On a $500 transfer, for example, you might pay anywhere from $2.50 to $12.50 depending on the rate applied.
To use either option, you need a bank account or debit card linked to your Cash App profile. You can add one under the “Money” tab by tapping “Add a Bank” and entering your account details or scanning your debit card.
Withdraw Cash From an ATM
If you have a Cash App Card (the free Visa debit card tied to your Cash App balance), you can pull money from any ATM that accepts Visa. Insert or tap your card, enter your PIN, and withdraw from your Cash App balance just like you would from a traditional checking account.
Cash App sets a weekly withdrawal limit of $1,000, which resets every Saturday at 7 PM Eastern. That limit includes both ATM withdrawals and cash-back transactions at store checkouts, so keep track if you use both in the same week. Most ATMs also impose their own per-transaction limits, which vary by machine.
Be aware that the ATM operator may charge its own surcharge, typically $2 to $3 per transaction. Whether Cash App reimburses that fee depends on your account status and any active promotions, so check the app’s settings for current reimbursement details before heading to an ATM.
Get Cash Back at Checkout
Another way to turn your Cash App balance into physical cash is to request cash back when paying with your Cash App Card at a store. Grocery stores, pharmacies, and many big-box retailers offer cash back at the register, usually up to $50 or $100 per transaction depending on the store’s policy. This counts toward the same $1,000 weekly limit as ATM withdrawals, but most stores don’t charge an extra fee for it, making it a cheaper alternative to using an ATM.
Receive Money From Other People
If you’re trying to get money into your Cash App account (rather than out of it), you can receive payments from anyone who has Cash App. Share your $cashtag, phone number, or QR code, and the sender can transfer money directly to your balance. From there, you can cash out to your bank or spend it with your Cash App Card.
How much you can receive depends on your account verification status. Unverified accounts can send and receive up to $1,000 over a rolling 30-day period, with a total lifetime account cap of $1,500. Verified accounts have higher limits set on an individual basis, which you can check in the “Limits” tab under your account settings. Verifying your identity requires your full legal name, date of birth, and the last four digits of your Social Security number.
Borrow Money Through Cash App
Cash App offers a Borrow feature that lets eligible users take a short-term loan deposited directly into their Cash App balance. Loan amounts vary by user, and the feature doesn’t appear in everyone’s app since eligibility depends on several factors.
You’re most likely to qualify if you direct deposit at least $300 in paychecks monthly into Cash App, or if you connect an external bank account showing $500 or more in monthly deposits. Using your Cash App Card regularly and keeping a balance in the app also improve your chances. You need to be at least 18, have completed identity verification, and have an account in good standing.
Cash App doesn’t check your credit score or report to the credit bureaus for this feature, so borrowing won’t affect your credit history. However, residents of certain states are excluded from the program, and approval is never guaranteed even if you meet the general criteria.
Which Method Is Fastest
If you need money in your bank account right now, an instant transfer gets it to your debit card in seconds for a small fee. If you need physical cash immediately, an ATM withdrawal or cash back at a store works as long as you have a Cash App Card. Standard bank transfers are the only free option but require patience since they can take up to three business days.
For the smoothest experience, make sure your account is verified, your bank or debit card is linked, and you’ve ordered a Cash App Card. Setting up all three gives you access to every withdrawal method without scrambling when you actually need the money.