How to Use Cash App Without SSN: Limits, Verification, More

Written By Branson Knowles

Not only does Cash App offer lightning fast transfers, but they also allow their customers to use their platform with little to no information!

It is possible to use Cash App without using your social security number (SSN). Just download the app, make an account, and click “skip” when Cash App asks for it. You won’t be able to use all of the same features, but you’ll still be able to use some!

Cash App is the only finance platform/online bank that allows this. When I worked at Chase Bank, we couldn’t do anything for a potential customer without every piece of information you can think of!

Cash App works differently though. There are basically two sides to the app: verified and unverified. Verified means you gave the app your full legal name, date of birth, and last 4 digits of your social security number. 

Unverified means you chose not to give Cash App those pieces of your information. You can still use Cash App, but like I said earlier you’re using a version of the app with much less capability.

What Are Cash App Limits If You Don’t Use SSN?

If you don’t want to give Cash App your social security number, even just the last four digits, no worries. You can still send and receive money quickly to and from anyone on the popular payment platform.

If you want to use Cash App while not giving away your information, you can still send up to $250 in a rolling seven day period and you can receive up to $1,000 in any rolling 30 day period. Not bad if you want to keep all of your information to yourself.

Again, as an ex-banker this is unheard of. Frankly, I thought it was illegal to allow anyone to conduct this kind of business without having almost all of their information at hand. At Chase Bank, we couldn’t open the simplest account for someone without their full social.

For whatever reason though, Cash App works differently. This isn’t a hack either, before I fully verified my Cash App account, I had these limits as well. 

After you fully verify your account, your limits increase immensely. Now that I’ve given Cash App my legal name, date of birth, and the last four digits of my social, I can send up to $2,500 a week and receive an unlimited amount. A far cry from the $250 and $1,000 limits.

cash app name

How To Check Your Current Cash App Limits

If you’re curious as to what you can currently send and receive on Cash App, you can check for yourself. All you have to do is open up Cash App and head to your profile. If you’re looking for your profile, you can find it by clicking your profile picture in the upper right hand corner. 

Once you’ve clicked on it, scroll down until you see a button titled “Limits”. The limits button will show you exactly what you’re thinking: your limits! 

checking my current verified cash app limits

The only way to increase this is to verify the rest of your information, namely your legal name, date of birth, and the last four digits of your SSN.

verifying details for cash app

I asked Cash App if there was any other way to increase your limits, as I had found a lot of other articles online claiming that you could, and Cash App themselves said no. 

trying to raise my cash app limits

trying to raise my cash app limits 2

Can You Use a Fake SSN On Cash App?

I saw this question asked all over websites like Quora and Reddit, so I thought it would be important if I covered it. 

Cash App is one of the most popular payment platforms in all of America, and only America. If you’re not located in the US, chances are you’re not able to use Cash App.

Many non-Americans try to circumvent this problem by using fake social security numbers, thinking Cash App won’t verify them.

They will. 

Cash App takes a business day or two to look over your verified information, confirming it with credit bureaus to make sure nobody is pretending to be someone they’re not.

If you are an American trying to use someone else’s social security number for your own benefit, the consequence of getting caught could lead to 15 years in jail! Using someone else’s information as your own is known as fraud and is a federal offense. 

Why Does Cash App Ask for SSN When Sending Money?

Cash App will only ever ask for your SSN when you haven’t given it to them yet and when you’re trying to send money that exceeds your weekly limit.

If you haven’t verified your information on Cash App, you’re only able to send $250 per week. Once you send your $250, you’ll have to wait seven days to send more.

If you try to send more before those seven business days are up, Cash App will ask for your social security number in order to facilitate your payment. You don’t have to give it to them, but if you don’t you won’t be able to complete your payment. 

entering verification details

How to Verify SSN on Cash App

If you want to give more of your information to Cash App to increase your limits, Cash App makes it easy.

The first chance you’ll get to enter this info is when you open your account. Cash App will ask if you want to have them verify you then, and the choice is yours.

If you chose no and want to change your mind, no worries. To update your info, all you have to do is pretend to send a payment above your $250 limit.

Cash App will recognize that the only way to complete that payment is to verify the rest of your info, and will prompt you so. 

After you pretend to send more than $250 and give Cash App the rest of your info, all you have to do is wait a business day or two and Cash App will let you know when your account is fully activated. 

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About the Author

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

Branson Knowles is a former banker and current writer at TopMobileBanks.com.

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 TopMobileBanks.com, breaking down banking like only an ex-banker could.

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