Money Transfer APPs

Can You Send Money From Zelle to the Cash App? – A Complete Guideline

Zelle is a digital payments platform owned by Early Warning Services, a private financial services company owned by various banks, including BB&T, Bank of America, and Capital One. It is one of the popular digital payment platforms in the United States of America. The question remains, can you send money from zelle to cash app, a similar digital wallet that allows subscribers to send and receive money? 

We shall find out whether it is possible to transfer money from Zelle to Cash App later in this article. Being able to move money from one digital platform to another increases convenience. Furthermore, it increases funds circulation, leading to the economy’s growth since businesses can effectively run when people buy goods and services.

The only problem is that Zelle and Cash App do not operate in all nations of the world like the way other platforms such as PayPal and Payoneer do. However, they still significantly impact the US as thousands of people use the platforms to send and receive money from each other. All of them are easy to access via smartphones and desktop computers.

How do I get started with Zelle?

It is simple to get started with Zelle, especially if your bank supports the service. To get started, you need to download Zelle from either Google Play Store or App Store, depending on your mobile phone’s operating system.

The next thing in the enrolling process is entering the basic information such as your contact information (an email address and U.S. mobile number), a Visa® or Mastercard® debit card with a U.S.-based account. Zelle does not accept international debit and credit cards.

Once you have enrolled successfully, you can send, receive or request payments.  You only need to share your mobile number or email address with a friend and ask them to send you money with Zelle®. It is as simple as sending money with a checking account number instantly to other account holders of the same bank as yours.

Interestingly, anyone with a US bank account can receive money via Zelle so long as their bank supports Zelle. You can check whether your bank or the recipient’s bank supports Zelle here.

What is the Cash App?

Cash App, just like Zelle, is a digital platform that allows users to send and receive money.  The app was developed by Square Inc, a payment platform based in the US. Apart from sending and receiving money, the app allows you to pay for goods and services. Most online sellers support Cash App payments and thus make it easy to carry out your transactions using the app.

Cash app users have unique usernames called $Cashtag followed by unique numbers that identify every user.  You can use someone else’s $Cashtag to request money as you can communicate like a social media network.

The good thing with Cash App is that you can use it either in the App or over the web. When using an Android smartphone, you can download the app from the Google Play Store or the App Store when using iPhone.

Cash App also issues a debit card to their users upon request. However, it is not a must to use the card since there are various ways one can get money off the Cash App without a card. For example, when you pay bills online, you are simply getting money out of your Cash App. The same applies to when you send money to others.

How do I create a Cash App account?

Before you do anything, you have to download the Cash App account from the respective sites for free. You can also access Cash App over the web. Once you have downloaded the app, open it when your phone is connected to the internet. The app will require you to enter your US phone number, where they will send you a code to verify it.

Next, you will enter other details, such as your email address and name. You will also have to choose your $Cashtag (the user name that people will use to send you money). Next, you can add your bank account details to use the bank account to fund your transactions. You can also add a debit card instead of your bank account.

However, if you do not have a bank account or you are not willing to add one at the moment, you can skip and add later. Once you are through with your account creation at this stage, and you can go to the home page and begin to check around. You can also begin inviting people and earn rewards when someone signs up under your name.

Interestingly, you will be able to edit your profile settings if you change your mind. However, you should be careful when choosing your $Cashtag and other details since you can change the details not more than twice. It is essential to add a profile picture so that your friends can identify you when sending you funds.

How to use Cash App

You can use the Cash App to send and receive money. You will see two main buttons named Pay and Request, whereby you must enter the amount to pay or request before hitting any button. When paying or requesting payment, you can enter the phone number, $Cashtag, or email address of the concerned sender or recipient.

The best way to use the Cash App is to allow the app to sync your phone contacts so that you can see friends and relatives using the app. When paying, you will use your bank or card balance if your Cash App balance is not sufficient to fund your transaction. You will be asked to add the bank or debit card details at this stage if you had not added one.

Can you send money from Zelle to the Cash App?

can you send money from zelle to cash app

It is not possible to directly transfer money from Zelle to Cash App and vice versa. However, you can use your bank to remit funds from Zelle to the Cash App. In this case, you need to have a bank account that links to both Cash App and Zelle.

To link a bank account to Zelle, you can follow the steps below.

  • Log into your Zelle account.
  • Navigate to the Settings icon.
  • See the add bank option and follow prompts.

If you had not linked your Cash App account with a bank account when opening, you can link it using the procedure below.

  • Tap on the ‘Banking tab’ on the Cash App home screen.
  • Choose Link Bank.
  • Follow the prompts.

Now that you have Zelle and Cash App linking to the same bank, you can then transfer money from Zelle to Cash App via the bank account. To move money from Zelle to a bank account, you need to follow the procedure below.

  • Open your Zelle app
  • Navigate to send money option
  • Choose an amount or enter any amount of money you want to send 
  • Proceed as per the prompts

The money will reflect in the target bank account if the receiving account links to Zelle. If your Zelle account already links to a bank account, you will have an easy time transferring money to the Cash App.

The next stage is moving money from your bank account to your Cash App account. You should press on Add money in your Cash App account and choose your bank. Money will be moved from your bank account to your Cash App account.

Can you transfer money from the Cash App to a bank account?

Cash App also allows money transfer to a bank account. To cash out from a Cash App account, you need to follow the procedure below.

  • Tap on the Balance button on your Cash App home screen
  • Hit on Cash Out
  • Choose the amount to cash out and press Cash Out
  • Select speed
  • Confirm the transaction with your PIN or Touch ID

There are two options you can use to withdraw money to your bank account. You can use the instant transfer option or the standard option. The instant transfer option ensures that money reflects in your bank account within 30 minutes after initiating the transfer. However, it attracts some fees that you should be aware of.

You have to pay a 1.5% fee (the minimum fee is $0.25). Again, instant transfers are for debit cards. If you transfer money directly to a bank account, you will have to use the standard transfer that takes up to three days to complete. Interestingly, the standard transfer is free of charge. 

Is it safe to use Zelle and Cash App?

The two apps are safe to use. There are lots of security measures put on both apps so that you can operate them online. No one can use your identity details to fraudulently get money out of your account unless you share your login details. It is just the same as bank accounts.

Let me ask you. Can someone withdraw money with my account number? Definitely, the answer is no. The same applies to both Zelle and Cash App. No one can use your identity details to steal from you.

Bottom line

Cash App and Zelle are types of digital payment platforms that allow you to receive and transfer money. You can use either of the platforms online using a smartphone or an app. You cannot directly move money from Zelle to Cash App and vice versa since the two companies do not support money transfers between them. Using a bank account is the only option.

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