To send money from Cash App to your bank, open the app, tap the Money tab, choose “Withdraw,” enter an amount, and select your bank account and transfer speed. The whole process takes about 30 seconds. You can choose between a free standard transfer that arrives in one to three business days or a paid instant transfer that hits your account right away.
What You Need Before You Start
Cash App requires you to link a debit card before you can add a bank account. You can have up to two debit cards and one bank account connected to your Cash App at a time. If you haven’t linked your bank yet, tap your profile icon in the top-right corner of the app, select “Linked banks,” and follow the prompts to enter your account details.
Your linked debit card and bank account serve different roles. Instant transfers go to your debit card, while standard transfers go to your bank account. If you only want the free standard option, you still need a debit card on file first, so link one even if you don’t plan to use it for instant transfers.
Step-by-Step: Cashing Out in the App
Here’s the process from start to finish:
- Open Cash App and tap the Money tab (the dollar sign icon on your home screen).
- Tap Withdraw.
- Enter the amount you want to transfer.
- Select your bank account and your preferred transfer speed (standard or instant).
- Confirm with your PIN or biometrics (Face ID, fingerprint) if prompted.
You can also do this from a computer. Log into your account at cash.app/account, click “Money” on the left side, then click “Withdraw” under your Cash Balance. Choose your amount, pick your bank and speed, and confirm.
Standard vs. Instant Transfers
Standard transfers are free and deposit into your linked bank account within one to three business days. Weekends and bank holidays don’t count as business days, so a transfer started on Friday afternoon might not arrive until Tuesday or Wednesday.
Instant transfers land in your account within seconds to minutes, but they cost between 0.5% and 1.75% of the transfer amount, with a minimum fee of $0.25. On a $200 transfer, for example, you’d pay somewhere between $1.00 and $3.50. Instant transfers go to your linked debit card rather than your bank account directly, but the money still ends up accessible through the same bank since debit cards are tied to checking accounts.
The exact fee percentage and available speeds can vary depending on which bank or card you have linked. Cash App will show you the fee before you confirm, so you won’t be surprised.
How Long Each Transfer Takes
Instant transfers typically arrive within minutes. Standard transfers take one to three business days, though many users see the money appear within one to two days. The timing depends on your bank’s processing schedule. Some banks post incoming transfers faster than others, and transfers initiated early in the day on a weekday tend to arrive sooner than those started late at night or on weekends.
If your transfer has been pending for more than three business days, something may have gone wrong. Check your activity feed in the app to see whether the transfer is still processing, completed, or failed.
Why a Transfer Might Fail
The most common reason for a failed cash-out is simply not having enough money in your Cash App balance. Before you withdraw, check that your balance covers the full amount plus any instant transfer fee if you chose that option.
Other reasons transfers get stuck or fail:
- Unstable internet connection. A weak signal can interrupt the transaction. Try switching between Wi-Fi and cellular data if your transfer won’t go through.
- Outdated app. Running an old version of Cash App can cause glitches. Check your app store for updates.
- Account limits. Cash App sets limits on how much you can withdraw in a given period. If you’ve hit your limit, you’ll need to wait or verify your identity to increase it. You can check your current limits in the app’s settings under the Limits section.
- Security flags. Several large transactions in a short period can trigger Cash App’s fraud detection, temporarily blocking your ability to cash out.
- Server outages. Occasionally Cash App itself has downtime. If everything on your end looks fine, check Cash App’s social media accounts or status page for service alerts.
If Your Bank Account Isn’t Showing Up
When you try to withdraw and don’t see your bank as an option, the most likely cause is that you haven’t fully linked it yet. Go back to your profile, tap “Linked banks,” and re-enter your bank details. Remember that Cash App requires a debit card to be linked first. If your debit card is from a different bank than the account you want to deposit into, that’s fine. Just make sure both are added.
If you recently changed banks or got a new debit card, you’ll need to update your linked accounts before cashing out. Remove the old card or account and add the new one through the same “Linked banks” menu.