Proper Path To Add Money To Cash App Without Debit Card

how to add money to cash app without debit card

Cash App is a mobile payment service by Square, Inc. that allows people to transfer money to one another by using a mobile phone app. The service formerly known as Square Cash is only available in the US and the UK. To use the service, you have to add money to your app account using various means, debit cards included. I will major mainly on how to add money to Cash App without a debit card.

A debit card is a kind of payment card that allows you to spend money from your bank account. Debit cards usually link to checking accounts and add convenience to the way you spend your money. You can shop online, send money, withdraw cash at ATMs, pay for goods at physical locations such as groceries, shopping malls, filling stations, hotels, and restaurants. However, prepaid cards which are also forms of debit cards do not require a bank account.

When you open a Cash App account, you get a unique username that starts with $Cashtag followed by other characters. Others can use the $Cashtag to transfer money to your account. You also use the $cashtag of others when sending money to them. However, you can use the phone number or email address of a recipient to send them money. Generally, Cash App is a peer-to-peer money transfer app.

Entire Procedure To Open A Cash App Account

You can open a Cash App account either online using your computer browser or on your smartphone by downloading the latest Cash App from either Google Play Store or App store depending on your phone’s operating system. You should never download a sensitive app from any other untrustworthy site since it may be vulnerable to hacking. Such apps may also contain viruses that can damage your device.

It is more secure to open the Cash App on the app with your phone. Once the application is ready, open it and enter your email address in the space provided. It does not matter the service provider for your email service as long as it is active. Alternatively, you can use your phone number to get started. Afterward, you will get a confirmation code in your email address or phone number.

Once you confirm your account, you will be asked to enter your debit card details. You can add a debit card that links to a US bank account or a bank account to help you to fund your transactions. For your information, you can transfer money from a bank to Cash App as a way of topping up your balance.

After that, type your full name. The next thing is deciding your $Cashtag, a unique username that people can send you money. As I mentioned earlier, the $Cashtag username helps you to receive money from others when you share it with them. Lastly, enter your ZIP code to complete your application.

Ways You Can Follow To Add Funds To Cash App Without Debit Card

how to add money to cash app without debit card

A debit card helps you to add money to your Cash App. However, it is not a must you add money to your Cash App account using a debit card. The following are ways you can use to add money to your Cash App account.

1) Bank Account

You can use your bank account to add money to your Cash App. The first thing is adding your bank account as follows.

  • Tap the ‘Banking tab’ on your screen.
  • Select ‘Link Bank’.
  • Follow the prompts.   

You can also modify an existing bank account as follows.      

  • Tap the ‘Banking tab’ on your screen.
  • Hit on ‘Linked Banks’ or ‘Linked Accounts’.
  • Select the account you wish to modify.
  • Hit on ‘Remove Bank or Replace Bank’.
  • Follow the prompts.

Now, when adding money from your bank account to your Cash App account, you have to follow the steps below.

  • Tap the ‘Banking tab’ on your screen.
  • Select ‘Add Cash’.
  • Enter the amount to add.
  • Tap ‘Add’.
  • Confirm using your Touch ID or enter your PIN.

2) Check deposit

Cash App allows you to deposit checks to your account. If you receive a paycheck, then you are in an excellent position to deposit it in your account. You only need to log into your account online, then open the check deposit feature, snap a photo using your device and deposit it in your account. The mobile check capture allows you to directly deposit cash in your account.

3) Receive funds from someone else

You can also add funds to your Cash App account when you receive money from your friend or relative. You can request your friend to send you money by providing them with your username. Cash App to Cash App transfers are instant, and you do not have to wait for days for the funds to enter your account. You can use the procedure below to request money from someone else.

  • Log in to your Cash App account.
  • Navigate to the dollar sign “$” tab.
  • Input the amount of money you’re requesting.
  • Enter the email, $Cashtag, or mobile number of the person you are requesting money from.
  • Click Request.

Add Money To Cash App From PayPal – The Process

If you have a balance in your PayPal account, you may want to transfer some money to your Cash App account. However, you cannot directly transfer money from PayPal to Cash App. You have to use a bank account as the bridge between the two money transfer platforms.

That means you must link your bank account to PayPal and add it to Cash App. Since I have shown you how to add a bank account to Cash App, let me show you how to add one to PayPal. You should follow the steps below.

  • Log in to your PayPal account and navigate to your Wallet.
  • Select Link a bank. (When using the app, hit on the Menu tab, then Banks and Cards.)
  • Search your bank or choose it from the list.
  • Enter your banking details for your online account to instantly link your account with your PayPal account. You can also add your bank account manually by selecting Link your bank another way. PayPal will send two small deposits of $1 to your bank account to test whether it is working.

Once you have successfully linked the same bank you added to Cash App to PayPal, you can then transfer money to the bank account, a process that will take up to three days to complete. After the funds reflect in your bank account, you can log into your Cash App account and add money to your Cash App account using the same procedure I highlighted at the top. 

Can I Use Someone Else’s Bank Account To Add Money To Cash App

It is possible to use someone else’s online bank account to add money to your Cash App account. However, they have to provide you with their online logging details to add the bank account details. You can add the account the same way you can add your bank account.

However, other money transfer platforms such as PayPal and Venmo do not allow you to add a bank account that is not yours. This is because some fraudsters may use the process to add other people’s account details to steal money.

Bottom Line

Cash App is a digital payment wallet that allows users to transfer money between others. The payment service from Square, a digital payment company in the US. Cash App only operates in the United States and the UK, and you can open a Cash App account using your smartphone or bank account. You can add funds to a Cash App account using debit cards, bank accounts, or check deposits.

Spencer Tierney is a writer and expert on certificates of deposits at His work has been featured by USA Today, MSN, SF Gate, the Los Angeles Times, NerdWallet and more. He earned a bachelor’s degree in English at UC Berkeley.