Cash App has become one of the most popular peer-to-peer money transfer apps in the United States, with millions of people using it daily for sending, receiving, and even investing money. But one of the most common questions new users ask is: How do I withdraw money from Cash App?
Whether you want to transfer your balance to your bank account, withdraw cash using your Cash Card, or send money to someone else, there are multiple ways to access your funds. In this guide, we’ll walk you through step-by-step methods to withdraw money from Cash App, explain the difference between instant and standard transfers, and answer some frequently asked questions.
Table of Contents
What Does “Withdraw Money” Mean on Cash App?
When people say “withdraw money” on Cash App, they usually mean one of three things:
- Transferring money from Cash App to your bank account.
- Withdrawing cash using the Cash App Card at an ATM.
- Sending money from Cash App to another user who can then cash out.
Cash App gives you flexibility, but the most direct way to withdraw is by using the Cash Out feature.
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How to Withdraw Money from Cash App to Your Bank Account
The easiest and most common method is to transfer funds directly to your linked bank account. Here’s how:
Step 1: Open Cash App
- Launch the Cash App on your phone and log in.
Step 2: Check Your Balance
- On the home screen, your Cash App balance is displayed at the bottom left corner. Tap on it.
Step 3: Select “Cash Out”
- After tapping your balance, you’ll see a menu with the Cash Out option. Tap it.
Step 4: Enter Withdrawal Amount
- Type in the amount of money you want to transfer to your bank account.
Step 5: Choose Transfer Speed
- Standard Transfer (Free): Takes 1–3 business days.
- Instant Transfer (Small Fee): Moves your money instantly to your linked bank card.
Step 6: Confirm Transfer
- Follow the prompts, and your money will be sent to your chosen account.
- Tip: If you need your money right away, Instant Transfer is worth it, even with the small fee.
How to Withdraw Money from Cash App Using the Cash Card
If you’ve ordered the Cash App Card (a free debit card connected to your Cash App balance), you can withdraw money directly from ATMs.
Steps to Withdraw Cash from ATM:
- Insert your Cash App Card into the ATM.
- Enter your Cash Card PIN.
- Choose the withdrawal option.
- Enter the amount you want to take out.
- Collect your cash.
ATM Withdrawal Fee: Cash App charges a $2.50 fee per withdrawal, plus any additional ATM operator fees. However, if you receive $300 or more in paychecks per month through direct deposit into Cash App, Cash App reimburses ATM fees up to three times every 31 days.
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How to Withdraw Money Without a Bank Account
Not everyone links a bank account to Cash App, but you can still withdraw your money:
- Using the Cash Card at ATMs.
- Sending money to a trusted friend or family member who has a linked bank account, then asking them to cash out for you.
- Spending directly with your Cash Card at stores, online, or anywhere Visa is accepted (instead of withdrawing as cash).
How to Transfer Money from Cash App to Debit Card
Instead of waiting 1–3 days for a bank transfer, you can transfer money directly to a linked debit card using Instant Transfer.
Here’s how:
- Open Cash App and tap on your balance.
- Select Cash Out.
- Enter the withdrawal amount.
- Choose Instant Transfer.
- Select your debit card and confirm.
Your funds will show up immediately on your debit card.
Fees Involved in Withdrawing Money from Cash App
It’s important to know the costs so you don’t get surprised:
- Standard Transfers: Free (1–3 business days).
- Instant Transfers: 0.5%–1.75% fee, with a minimum of $0.25.
- ATM Withdrawals: $2.50 per withdrawal, plus operator fees.
- Cash Card Spending: Free when used at stores or online.
Frequently Asked Questions (FAQs)
1. Can I withdraw money from Cash App without a card?
- Yes, you can transfer funds to your bank account or debit card without needing the Cash App Card.
2. What is the Cash App withdrawal limit?
- Standard bank transfers: No daily limit.
- ATM withdrawals: $310 per transaction, $1,000 per 24 hours, and $1,250 per week.
3. How long does it take to withdraw money?
- Instant Transfer: Instantly.
- Standard Transfer: 1–3 business days.
- ATM withdrawal: Immediately.
4. Can I use Cash App internationally?
- Cash App is currently available only in the U.S. and U.K. You can withdraw funds only in these regions.
5. Does Cash App charge for withdrawals?
- Yes, for ATM withdrawals and instant transfers. Standard bank transfers are free.
Final Thoughts
Withdrawing money from Cash App is straightforward once you know your options. Whether you prefer moving funds to your bank, using the Cash App Card at ATMs, or spending directly with your card, Cash App gives you flexibility and control over your money.
For quick cash, Instant Transfer or ATM withdrawals are your best bet. But if you don’t mind waiting a little, Standard Transfers are completely free.
By following the steps outlined in this guide, you’ll always know how to withdraw money from Cash App safely, quickly, and without unnecessary fees.