Cash App is the preferred method of payment and money transfers for millions of people. However, some people get the most out of it while others don’t know how to use it to the fullest.
For that reason, we’re answering the question – Can you pay bills with Cash App?
You can easily pay bills with Cash App, online, in-store, or by setting up bill pay. To set up bill pay, you’ll need the account details such as routing and account numbers. Simply enter them in the online form when setting up bill pay.
Keep on reading to find out how to get Cash App’s account and routing numbers, how to set up bill pay, and other tips and tricks that will make you an advanced Cash App user.
How to Pay Bills With Cash App
Paying bills with Cash App is easy. But first, you’ll need to know your routing and account numbers. They are used to identify your Cash App account. More on them below.
How to get Cash App’s routing and account numbers?
You can see your numbers at any time in your Cash App. Simply do the following:
- Open Cash App
- Tap the Banking/Money tab on the Cash App home screen
- Select “Deposits & Transfers”
- Select “Copy Account Details”
You can either copy/paste them or write them down so you have them handy.
How to pay a bill
Let’s see in an example of PG&E how to pay your electricity bill. You will first have to register for an account if you don’t already have one.
The process is similar to any other utility company that lets you set up recurring billing via a bank account. Alternatively, you can add your debit or credit card details.
After you get an account:
- Sign in to Your Account
- Scroll to Payment Options
- Select “Set Up Recurring Payment”
- Add a Payment Account
- Select the “Checking Account” button
- Enter a Nickname for the account (i.e. Cash App)
- Enter the Cash App Routing Number
- Enter the Cash App Account Number
- Enter the Name on the Account
- Select “Add”
- Select “Confirm”
- Choose “Pay Bill Upon Receipt” or “Pay by Due Date”
- Select “Pay up to a maximum of” or “Pay full amount due”
- Enter the account nickname, the routing and account number, and your name
- Select “Confirm”
Although it seems like there are many steps involved, the process is streamlined and straightforward.
You don’t have to set up recurring payments, you can also pay a one-off bill if you want. If you do set up recurring, it should begin from the next billing cycle. However, it’s best to check the fine print.
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What Are Routing And Account Numbers?
If you’ve ever used a paper check you must have noticed a sequence of numbers at the bottom, next to each other on your checks’ signature lines.
Even though you don’t type these numbers manually for every transaction, payment, or transfer in Cash App, they are being used by the app in the background.
The routing number is unique to each bank in the US. It’s a nine-digit code that was assigned to your bank’s, and credit union’s physical location. In the digital age, it isn’t given to companies like Cash App because they are in fact fintech companies and not banks.
Instead, they are using their partner bank’s routing numbers. The partner banks do all the stuff in the background like money transfers and card issuing.
In traditional banking, your routing number is tied to the branch where you opened your account.
The account number is different as it’s unique to you and you can have more than one. You see, checking, savings, and credit lines all have unique account numbers.
Of course, they have to as they are separate balances and have to be handled separately.
The account number is usually between eight and 12 digits long and can be found on checks or in-app.
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Cash App Routing And Account Number Direct Deposit Scam
Should you share your routing and account numbers with people you don’t know? The answer is obvious – no. OK, the routing number is the same for many Cash App users and if you share that, you shouldn’t have any issues.
However, the account number is a different story. Coupled with the routing number, a scammer can use your details to file fake unemployment claims and other federal grants and incentives.
Because you have routing and account numbers, it means that Cash App has verified your information and knows your details such as your SSN. Thus, the fake unemployment claim will be traced back to you and can get you into major trouble.
For the sake of your safety, security, and integrity, don’t share the numbers with anyone you don’t know or trust. Even then, I’d be extremely careful.
Apart from this scam, there are many many other scams doing their rounds on social media and the internet in general. For that reason, you should only share your private information with people you know and only send payments to people and businesses you trust.
Report a potential scam to Cash App and the FTC. If you do get scammed, Cash App will most likely not refund the money to you. They will tell you that you sent the money voluntarily and did this against their terms and conditions in case you transfer money to strangers.
Referring to their T&C’s is an easy out for them and a way to save money. In this regard, they are very much different than traditional banks. Traditional banks and good digital banks will return the money to you after an investigation if you notified them promptly.
It’s worth noting that no Cash App employee will ask you to click or tap on a link in an email or message. Everything can be done in the app itself. Additionally, you’ll never have to pay money to “release” a pending payment.
If someone asks you for your full SSN number, full debit or bank account number, login and similar info know that you could become a victim of a scam.
If you think you got scammed, change your Cash App PIN instantly and report the incident to Cash App Support.
You can pay bills with Cash App by getting your routing and account numbers and entering them in the bill pay form of the company you want to settle the bill with.
There’s no option to add a company or bill to Cash App as you can with most traditional bank accounts. However, if you set up recurring payments as we showed you, you don’t have to worry about remembering to pay your bills anymore.
You just have to ensure you have enough money in the cash app balance or a connected bank account.
Adrian Volenik is a fintech enthusiast who loves testing and reviewing digital banking apps and financial products in general. How many digital banking accounts can one man have? Not enough, if you ask Adrian. As his wallet will soon explode if he doesn’t cut back on the number of cards.