How to send money to people on cash app

If you, like many of us, have the Cash App bug and are wondering how to send money on Cash App, then stick around to learn more about the ins and outs.

You’ll also learn about Wise, and how it could be a great alternative.

How to send money on Cash App

On Cash App, there are some specific sending situations, such as:

• Sending money to someone within the US
• Sending money to your bank account from your Cash App balance
• Sending money internationally

Let’s take a look at these situations in more detail.

Send money within the US

Sending a payment on Cash App is a quick and simple process. All you need to do is:

1. Open Cash App
2. Enter the amount you want to send
3. Click “Pay”
4. Enter the recipient’s phone number, email address or $Cashtag
5. Enter the purpose of the payment (for example, “last night’s dinner”)
6. Select “Pay”¹

And voila - you made your first Cash App payment!

Just be aware that there are Cash App sending limits, which you can increase by verifying your account.

📚 Send money without a debit cardYou may also be wondering how to send money on Cash App without a debit card. If you want to send money on Cash App, you need to either have a linked bank account or linked credit card. So you don’t necessarily need a debit card.² Also, you don’t need a Cash App card to be able to send money on the app.

Cash out: Send money to your own bank account

Transferring money from Cash App to your bank account is simple. It has a specific name for transferring money from your Cash App balance to your bank account - “Cash out”.

To Cash Out money, all you need to do is:

1. Open Cash App
2. Click “Cash Out”
3. Enter the amount you want to transfer and click “Cash Out”
4. Select the speed of the transfer
5. Confirm the transfer with your Touch ID or PIN³

When cashing out your money, you can choose the speed of the deposit. You can either do an instant transfer or a standard transfer.⁴ Standard transfers are free and take between 1-3 business days, while instant transfers charge a fee.

Send money internationally with Cash App

Have a friend in the UK? You’re in luck.

With Cash App you can send money from the US to the UK with just a few taps of the thumb. Cash App will convert your USD to GBP for you, using the mid-market exchange rate.⁵

However if you want to send money to a country other than the UK, give Wise a try. Don't worry, you'll still get the mid-market exchange rate.

Send internationally with Wise 🌎

How to receive money on Cash App

If you can send money on Cash App, then it pretty much goes without saying that you can also receive money on it. But another cool thing you can do is request money on Cash App.

To request money, all you need to do is enter the amount you want and select who you’re requesting from. Once your friend accepts your request, they’ll have to follow some easy steps to complete the transaction.²

All payments you receive through Cash App will be stored on your Cash App balance.²

Need to send money internationally? Try Wise

As previously mentioned, you can only send to the UK using Cash App. If you’re looking to send to other countries then you may be interested in signing up with Wise. With Wise, you can:

• Send money to over 70 countries
• Convert your money at the mid-market exchange rate
• See the total cost of your transaction upfront, without hidden fees

Open a Wise account in minutes ⌚

Sources:

1. Cash App - Sending a payment
2. Cash App - Additional Cash Terms of Service
3. Cash App - Cash out instructions
4. Cash App - Cash out speed options
5. Cash App - International payments

All sources checked 10 June 2021

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Written by

Nicole Dieker

Written by Nicole DiekerArrow RightPersonal Finance Contributor

Nicole Dieker has been a full-time freelance writer since 2012—and a personal finance enthusiast since 2004, when she graduated from college and, looking for financial guidance, found a battered copy of Your Money or Your Life at the public library. In addition to writing for Bankrate, her work has appeared on CreditCards.com, Vox, Lifehacker, Popular Science, The Penny Hoarder, The Simple Dollar and NBC News. Dieker spent five years as writer and editor for The Billfold, a personal finance blog where people had honest conversations about money. Dieker also teaches writing, freelancing and publishing classes and works one-on-one with authors as a developmental editor and copyeditor.

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and

Holly D. Johnson

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Holly Johnson writes expert content on personal finance, credit cards, loyalty and insurance topics. In addition to writing for Bankrate and CreditCards.com, Johnson does ongoing work for clients that include CNN, Forbes Advisor, LendingTree, Time Magazine and more.

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Edited by

Grace Pilling

Edited by Grace PillingArrow RightEditor

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Reviewed by

Antonio Ruiz-Camacho

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Antonio Ruiz-Camacho is senior director of content for CreditCards.com and Bankrate Credit Cards. He has more than 20 years of international experience leading content teams, focused on consumer advice, technology and immigration.

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