Can You Use Cash App Card at ATM (6 Things to Know)

can you use cash app card at atm

Cash App and Cash App Card have become very popular in recent years. If you still didn’t jump on the bandwagon, you might be wondering if you can use Cash Card as you would any other card. Including at an ATM. 

You can use Cash Card at any ATM, just like most typical bank cards. However, unless you get $300 worth of direct deposits every month, you’ll have to pay $2 per withdrawal, plus ATM’s fee. 

1. About Cash Card

Cash Card is basically a free debit card issued by Cash App. You can have one but don’t have to. However, it does make payments easier because it is a Visa debit card that you can use online, in-store, or via Google Pay or Apple Pay. 

As soon as you order yours, you can start using it if you add it to one of the above-mentioned wallets. Otherwise, you’ll have to wait for it to arrive at your address. 

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Cash Card is only connected to your Cash App balance and not your personal bank account or debit card. Therefore, by using the Cash Card, you’re only spending the balance available in your Cash App balance, nothing more, nothing less.

READ ALSO: 6 Possible Reasons Why Cash App Transfer Failed (How to Fix)

2. How to Order a Cash Card

how to order a cash card

To apply for a Cash Card, you have to be older than 18 and have a Cash App account. From Cash App:

  1. Tap the Cash Card tab on the Cash App homescreen
  2. Tap “Get Cash Card”
  3. Tap “Continue”
  4. Follow the steps

You can also design your unique Cash Card. This costs $5 and can be done by:

  1. Tapping the Cash Card tab on the Cash App homescreen
  2. Selecting “Design a New Card”
  3. Following the prompts

You can add emojis, signature, change colors, or even order a glow in the dark card. 

After the card arrives at your home address, you’ll first have to activate it. 

You can activate your Cash Card by using the QR code:

  1. Tap the Cash Card tab on the Cash App homescreen
  2. Tap the Cash Card icon
  3. Tap “Activate Cash Card”
  4. When Cash App asks for consent to use your camera tap “OK” 
  5. Scan the QR code

In case you don’t have the QR Code anymore:

  1. Tap the Cash Card tab on the Cash App homescreen
  2. Tap the Cash Card icon
  3. Tap “Activate Cash Card”
  4. Tap “Use CVV Instead”
  5. Enter the CVV code and expiration date of the Cash Card

READ NEXT: How to Receive Money On Cash App Without a Card (Solution)

3. What Are The ATM Fees for Cash Card?

Cash Card can be used at any ATM for a fee of $2. However, most ATMs will charge additional fees. This can obviously add up quickly. Regardless, there is a way of paying no ATM fees by using your Cash Card.

4. How to Get Free ATM Withdrawals With Cash Card 

how to get free atm withdrawals with cash card

Using Cash Card at an ATM can be quite costly, as we already know. However, you can have no fees if you set up a qualifying direct deposit in order of $300 or more per month.

In this case, the company will reimburse all fees (up to $7 per withdrawal) for 3 ATM withdrawals you make in 31 days. 

5. How to Enable Direct Deposit

You can enable direct deposits for your tax returns, paychecks, and other similar payments and thus avail of free ATM withdrawals.

This way, you can receive up to $25,000 per deposit. That’s more than enough for every user of Cash App. 

Deposits are available as soon as they arrive and up to two earlier than banks. That’s at least according to Cash App. 

READ ALSO: 4 Ways How to Get Free Money on Cash App (That Still Work)

To enable direct deposits, you’ll need an activated Cash Card and account and routing numbers. You get them automatically with your new card. 

To enable direct deposit using your account and routing number:

  1. Tap the Banking tab on the Cash App homescreen
  2. Beneath your balance, tap the routing and account number 
  3. Copy your account and routing numbers
  4. When you’re prompted for a bank account, provide the account and routing number during direct deposit setup

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To do it with a direct deposit form:

  1. Tap the Banking tab on the Cash App homescreen
  2. Tap “Direct Deposit”
  3. Pick “Get Direct Deposit Form”
  4. Fill out your employer details, the amount from each paycheck, 
  5. Sign the form
  6. Select “Email Form” and type in the recipient address 
  7. Tap “Send”

You can find the filled-out direct deposit form by tapping “Get Direct Deposit Form” in the Banking tab and choosing “View Previous Form”.

6. What is The ATM Withdrawal Limit for Cash Card?

We already know that you can utilize your Cash Card to withdraw cash at ATMs and to get cash back at checkout. But are there any limits? Yes, you can only do it up to the following limits:

  • $310 per transaction
  • $1,000 per 24-hour period
  • $1,000 per 7-day period

To use your Cash Card to get cash back, choose debit at checkout and enter the PIN. You need to know that cashback transactions also count towards your ATM limits.

You can’t check your Cash Card balance at the ATM at this time. However, you can see it in-app or online. 

READ NEXT: How to Pay With Cash App in Store or Online Without a Card?

Conclusion

In conclusion, you can use your new Cash App Card at any ATM, just as you would any other debit card from a traditional or a digital bank

Where it gets tricky, however, are the $2 fees from Cash App, plus fees from the ATM, which you’ll incur anytime you get cash unless you opt for direct debit upwards of $300. 

This obviously isn’t ideal as not everyone wants to have their paycheck going directly to Cash App. Plus, there are many other financial apps and digital banks that offer ATM withdrawals without ANY fees, whether you have direct deposit enabled, or not.  

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Current: The Future of Banking

As a Current mobile banking app affiliate, I earn from qualifying purchases.