How to Pay Bills with Cash App in 2023 (Two Options)

Written By Branson Knowles

Cash App started as a simple peer-to-peer transfer app but has become so much more. Now, not only can you send your friends funds in a flash, but you can also invest in cryptocurrency and even pay your bills! New and experienced Cash App users alike wonder — how do you pay your bills with Cash App?

To pay bills with Cash App, you’ll use your routing and account numbers that can be found within Cash App itself. Head to the app, find and copy your routing and account numbers, and give them to whoever you want to pay.

Most companies you transact with will accept payment through a debit card, credit card, check, or through direct payment from an account. You can also use Cash App’s debit card, called the Cash Card, to pay your bills. 

You need Cash App’s Cash Card to get routing and account numbers with them. Once you’ve got the card, you’ll have access to your routing and account numbers. The Cash Card can be used anywhere Visa is accepted.

How to Pay Bills with Cash App Using Routing and Account Number

As I mentioned above, you need to get a Cash Card with Cash App in order to get a routing number and an account number.

If you don’t have a Cash Card, you can only really use the transfer features of Cash App and not any of their more banking related areas.

Getting the Cash Card is free and there’s no monthly fee to keep it either. Once you get it, Cash App will generate a unique account number and a routing number for you to use.

To find your routing and account numbers, open up Cash App. Head to the home tab and click on “Account and Routing” towards the top of the screen by your balance. If you don’t have a Cash Card, Cash App will show you a screen letting you know you’ll need one to proceed.

my cash app balance

If you do have a Cash Card though, Cash App will show you your account and routing number here. To pay your bills, copy and paste your routing and account number into the payment system of whatever bill you want to pay.

cash app account & routing

Cash App will then transfer your money to pay your bills for free, as any traditional bank’s bill pay system would do. 

As an ex-banker, I would always recommend using a debit card to pay your bills or make any sort of payment instead of using your account and routing numbers.

Think of a debit card as an added layer of security between the outside world and your money.

cash app getting the card

If you give someone your debit card information and they get hacked, leaving your debit card number compromised, you can freeze your debit card or get a new one altogether quickly.

If your account and routing number get stolen, you’ll have to replace an entire account.

If you have an account number and a routing number with Cash App, it means you have a Cash Card as well. If I were you, I’d just use the Cash Card.

How To Pay Bills with Cash App Card

Cash App’s Cash Card is the app’s very own debit card. Cash App partners with Visa to give their users a new way to use their Cash App balance. You can use your Cash Card to eat at your favorite restaurants, book fancy hotels, and even pay your bills!

You can use the Cash Card to pay your bills like you would any other debit card. The Cash Card comes with a unique 16 digit number found on the back of the card, as well as an expiration date and a security code. You can use those numbers to make payments so long as Visa is accepted.

You can even use your Cash Card to pay your bills from your digital wallet. If you use Apple Pay, Samsung Pay, or even Google Pay to pay your bills, you can use your Cash Card at the same time. 

You can add your Cash Card to your digital wallet right from Cash App. Head to the card portion of the app and click on the image of your Cash Card. From there, click on “Add to Apple Pay” if you’re using an iPhone. The Cash Card will immediately be added to your Apple Pay and digital wallet.

Can You ACH Transfer with Cash App?

ACH transfers are a very popular way to send money quickly. They’re safe, reliable, and can get your money anywhere in the world for a low price. Fortunately, Cash App is a financial platform that accepts ACH transfers. 

Using your routing and account numbers, Cash App will allow you to receive incoming ACH transfers. These would most likely come in the form of direct deposits from an employer.

ACH transfers sent to a Cash App account shouldn’t take any longer than if they were sent to a traditional bank account as well. 

Can You Pay Utilities From Cash App Card?

I saw this question asked a lot online in relation to paying your bills with the Cash App card. If your utilities company accepts Visa, you can pay them with your Cash App Cash Card.

Take popular utility company PG&E, for example (they’re a company out in California for those unfamiliar). If you needed to pay your PG&E bill and wanted to use your Cash App Cash Card, you could.

All you’d have to do is head to their website where you can enter your card’s numbers, expiration date, and security code into their system where you can then use it as a method of payment, so long as you have the balance in your Cash App account. 

How Do I Pay with Cash App without Card?

This one is tricky. I saw this question asked a lot as well and thought the wording might be a little confusing. If you have a Cash App Card, you can pay without it. See? Pretty confusing.

If you have a Cash App Cash Card, Cash App will link it to an account number and a routing number. You can use the account number and routing number to pay your bills, without your Cash App Card.

If you don’t have a Cash Card, however, you won’t have routing or account numbers. So again, you’ll need a Cash Card in order to pay your bills without it. 

About the Author

Lead Researcher, Digital Banking in the U.S. at TopMobileBanks

Branson Knowles is a former banker and current writer at

During his years banking, he helped his clients discover their financial freedom through smart savings and spending goals. He started as a teller before becoming a banker and obtaining his federal licenses, furthering his clients' on their financial journeys.

After becoming one of the top producing bankers in the state, Branson decided it was time to pursue his own financial freedom. He started writing freelance finance articles before joining, breaking down banking like only an ex-banker could.

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