How to Get Money off Cash App without Bank Account

how to get money off cash app without bank account

Cash App is an excellent mobile wallet similar to PayPal, Google Pay, and Payoneer that enables you to transact online. You can send and receive money on Cash App from friends and relatives. In most cases, users can withdraw cash from Cash App into their bank accounts. However, you can still get money out of your Cash App without a bank account. Today I will show you how to get money off Cash App without bank account.

Not everybody has a bank account, and Cash App understands that. You can still receive money without a bank account and even withdraw it, but you need to have creativity on this matter. The bad thing about having a Cash App account without a bank account is that you remain an unverified account holder. There are various disadvantages of having an unverified Cash App account. 

If you have an unverified Cash App account, the maximum amount you can receive within 30 days is only $1,000. Again, you can only send $250 in a week. A verified account allows you to send up to $7,500 per week. Furthermore, you can receive as much money as possible from your friends or relatives. A bank account is not enough for the account verification process. Cash App must ensure that all other details are correct.

How do I create a Cash App account?

Creating a Cash App account is the first step to using Cash App services. If you have a smartphone, you can download the app from the relevant sites. For android smartphones, you can download Cash App from the Google Play store while you can get it at the App Store if you are using an Apple phone.

Next, open the app and sign up by following the procedure below.

  • Enter your phone number and email address
  • Enter the code you receive via your email/phone.
  • Enter your bank or debit card information to connect either or all to your Cash App account.
  • Choose your preferred $Cashtag and hit ‘Next’ for more instructions. The $Cashtag is a username that people can use to send you money.

You can also use your desktop computer to create your account. On your browser, load the Cash app and fill in the necessary details with precision.

How to get money off Cash App without a bank account

how to get money off cash app without bank account

Getting money off Cash App without a bank account might be tricky if you do not have a verified Cash App account. Various ways which you can use to get money off your Cash App account involve the following.

i) Use a Cash Card

The Cash Card is a debit card by Cash App that allows you to withdraw money from ATMs. It is an easy way to avoid using your bank where you have to queue in a bank branch. However, the card is only for verified accounts, and that means that people with unverified accounts cannot benefit from the service.

Cash App charges users a $2 fee when they use the card to withdraw money from an ATM card. You can also qualify for free ATM withdrawals if you get direct deposits of $300 (or more) in paychecks into your Cash App each month.

Cash App usually reimburses ATM fees and other operator charges instantly, thus enabling no-charge ATM withdrawals to those who qualify. Cash App also limits the amount you can withdraw from an ATM for security reasons.

ii) Use a friend with a verified account

The trick is an indirect way to withdraw money from your Cash App if you do not have a verified account. You can send funds to your friend or a relative, who then draws it on your behalf. The recipient needs to have a linked bank account or a debit card.

Once they receive money in their account, they can withdraw it from their bank accounts and get it for you over the counter. Alternatively, the recipient can use an ATM card to withdraw the money and then present it to you.

iii) Contact Cash App customer care

Cash App customer care can also help you if you want to get money off your Cash App account without a bank account or a debit card. You can chat with a Cash App representative to have them settle the matter for you. The following is a procedure to contact Cash App through the app.

  • On your Cash App’s home screen, hit the profile icon.
  • Tap Cash Support
  • Tap Something Else
  • Navigate to your issue
  • Hit Contact Support

You can also contact customer care over the web by following the following procedure.

  • Load cash. app/help on your browser
  • While still on this page, scroll down and click the “Contact Support” link at the bottom.
  • Next, login
  • Scroll to your issue

The other alternative you have is to contact Cash App customer care via phone. Call 1 (800) 969-1940. Alternatively, you can send a mail via;

Cash App
1455 Market Street Suite 600
San Francisco, CA 94103

However, sending mail may not be a quick solution to help you withdraw your money. I prefer chatting with customer care in the app or calling them by phone. Furthermore, you should only opt to contact Cash App customer care if you do not have a close relative or friend with a Verified Cash App account.

How do I verify my Cash App account?

Are you tired of the limits that accompany an unverified Cash App account? Then you should worry no more since you can easily have the account verified without much hustle. For this process;

  • Ensure that you are at least 18 years old. Cash App does not verify accounts for users who are below 18 years of age.
  • Ensure that you enter the correct details. These include your Social Security Number. Your ID., proper names, and accurate information of your bank account or debit card. The bank or card should also be active.

Note that you can only add one bank account or Debit card to your Cash App account.

Cash App account verification takes about 48 hours, and you will see the message “Verification in Progress” on your home screen. Once you are through with the activity, you will receive a notification that your account is verified or verification failed in your phone number or email address, depending on the details you used to create your account.

Once you have successful account verification, you will be able to conduct various forms of transactions such as receiving unlimited amounts of money, withdrawing to bank accounts, larger monthly money transfer limits, and so on. Some of the banks you can add for account verification are Chime Bank, BofA, and Wells Fargo, among others. For example, you can transfer money from Chime to Cash App once you link the two.

Can I have two Cash App accounts?

You can have as many Cash App accounts as possible. However, if you use a number or an email address to open an account, you cannot use the same to open another Cash App account. Opening multiple accounts are only possible if you have several phone numbers or email addresses.

Each account will be independent of the other. However, it is possible to associate several phone numbers or email addresses with one Cash App account.

The next thing to have your account verified by Cash App is to provide the necessary details without errors and wait for 48 hours. As I had said earlier, you will receive a text message to the phone number you used to create your account or get it into your email address.

How do I recover my Cash App account?

You can restore your old Cash App accounts into action. Sometimes Cash App can block your account if they suspect illegal activities on your account, such as using fake details or even contacting fraudulent transactions.

Forgetting your PIN can also keep you out of your account. You should not worry as you can get your account back even if it has hundreds of dollars in it. The following ways can help you restore your account.

  • If you can still log in, but your account appears unresponsive to some operations, you can delete the app and download it once more. Next, sign in by entering all the necessary details. Your account is likely going to be okay. If using your computer, you can sign out and sign in again.
  • If you have forgotten your PIN, you now need to contact the Cash App customer care via Cash App or using their phone number. You will need to prove that the account is yours.

If Cash App closes your account, you can recover it by contacting the customer care representative.

Can I transfer funds from Cash App to a bank account instantly?

You can use two options to transfer funds from your Cash App account to a bank account. These are;

  • Instant transfer
  • Standard transfer

Instant transfers ensure that the money reflects in the bank account immediately. It comes with a 1.5% fee (the minimum fee is $0.25). You can make an instant transfer with the routing and account number of your bank account. The standard transfers are free but take 1-3 days for the money to reflect in your bank account.

Bottom line

It is possible to get money off your Cash App account even when you do not have a bank account. However, you will have to use indirect means to succeed. Sending it to a friend with a verified Cash App account is a quick way to withdraw the money.

Alternatively, you can contact Cash App customer care to help you with the best way you can cash out from your account. The most likely solution will be to verify your account.

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.