While Cash App is one of the most popular ways to transfer money to friends, family members, or coworkers, it isn’t failproof. Sometimes, transfers that you knew were going to go through just… fail. Don’t worry though, just because your initial transfer failed doesn’t mean you can’t fix it!
If your Cash App transfer failed, it could be for any of 7 different reasons:
- Internet connection problems
- Not the latest version of the app
- The connected bank account isn’t working
- Insufficient funds in the bank account
- Not enough personal information
- The wrong $cashtag for whoever is being paid
- Exceeded daily limit
There are a multitude of reasons as to why your Cash App transfer failed, so if it did don’t worry too much. Most of these issues are things you don’t have any control of and aren’t reflective of you as a user.
You can’t control your bank’s or Cash App’s servers, but you can navigate these issues to find out exactly what’s standing in the way of your failed Cash App transfer.
How to Fix Failed Cash App Transfer (Better Internet Connection)
Cash App transfers your funds instantly to other users. Because of this lightning quick speed, you’ll need a fast and reliable internet connection to complete your transfers.
As always, I recommend not doing your banking or any other finance related activities over public wifi. The main reason is that hackers can break into public wifi and steal your information as you’re using it.
The second reason is that public wifi just doesn’t cut it sometimes, especially when you’re dealing with money transfers.
Using Cash App on public wifi is no different. Sometimes, you might have a stable connection on public wifi, but it isn’t strong enough to support your transfers.
If you don’t have an internet connection at all, you’ll run into the same issue. You’ll try to send your transfer, but Cash App will show you a failed transfer screen with a red X letting you know it couldn’t go through.
If this is ever the case, don’t try and resend it from the same location. Sometimes, Cash App will pick up the fact that you were trying to send a transfer and will send it once you have a better internet connection.
Wait until you have a stronger signal and check again. If Cash App didn’t send it automatically, go ahead and resend it then.
How to Fix Failed Cash App Transfer by Downloading the Latest Version of the App
At the time of writing, Cash App’s current version is 3.83. Before that, two weeks ago, Cash App’s version was 3.82.1. It updates at least every two weeks, sometimes even twice in one week.
What I’m trying to say here is that Cash App is constantly changing its software, updating with new features, and trying to eliminate bugs at the same time.
If you don’t have your phone set to update your apps automatically, you could have an older version of the app.
Having an older version doesn’t just mean losing access to key features, it also means you may not be able to use the app the same way you are familiar with.
Not having the latest version of the app means there could be bugs getting in the way of your transfers, making them fail.
It could also mean you’re more susceptible to getting hacked, as Cash App and its parent company Square also include the latest security measures in their software updates as well.
If you think this could be a problem applicable to you, it’s easy to check. If you have an iPhone, head to the App Store and look for Cash App in the search bar. When you find it, it should give you two options (if you already have the app downloaded).
The first option will say “Open”, meaning you have the latest version of the app and you can use it as is. The second option will say “Update”, meaning you don’t have the latest version and that you should update it before using it again.
The process works the same for an Android device, head to the Google Play App Store and you should see two similar options, “Open” or “Update”.
If you’re on either device and you see that you haven’t updated it, simply click update and wait for the download. You may also want to consider turning on automatic updates on your phone so this type of problem doesn’t happen again.
How to Fix Failed Cash App Transfer if the Bank Account You Have Connected Isn’t Working
This one is a little tougher to navigate, as you don’t always have control of what’s going on with your bank.
Working for Chase Bank, I learned that a number of problems could occur to my former customers without any wrongdoing on their part.
During my first week at Chase, the servers went down company wide. For an entire 8 hours, our customers couldn’t access their balances at all. I even had to do transactions without the help of our computer system, counting each and every dollar by hand.
Needless to say, it was a tough first week.
If your Cash App transfer failed, and you’ve checked that it’s not Cash App’s servers or your own internet connection, it could be a problem with your bank. If it’s your first transfer, make sure you entered your bank account information correctly into Cash App.
If it isn’t, it could be a problem on your bank’s end. Even if their servers are down, their phone lines usually aren’t. You can either try calling your local branch or calling an (800) number to find out what’s going on.
This is where it gets tricky, because if your bank’s internet servers are down there really isn’t much you can do about it.
If you have a debit card for your bank and a Cash Card for Cash App, you could try pulling out cash manually and depositing it into your Cash App account at a 7-Eleven or another retail store that accepts Cash App deposits.
Another way of getting around this issue would be using another one of your bank accounts from a separate bank. This may not be applicable for everyone, as most people do their banking through a single bank.
How to Fix Failed Cash App Transfer if You Have Insufficient Funds in Your Bank Account
This problem is much simpler than a company wide internet outage. Even the best, most fiscally responsible of us forget to check our bank account’s balance from time to time.
If you use your bank to fund your Cash App account, and it’s out of funds, you may get a failed transfer screen with a red X like I talked about earlier.
To fix this issue, open your bank’s mobile app and check your account’s balance. If the balance is less than the amount you were wanting to transfer, you’ll get a failed transfer screen.
The solution is simple: transfer however much you need from another one of your accounts into the account you use for Cash App. Cash App won’t let you send money you don’t have though, so if you don’t have funds to cover your transfer you might have to wait for payday.
How to Fix Failed Cash App Transfer if You Haven’t Entered Enough Personal Information
Cash App will still let you use their app even when you haven’t entered a lot of personal information. This is different from many other fintech companies and certainly traditional banks who require all of your information upfront before you can use their platforms.
As an ex-banker who used to work for Chase, I can tell you first hand that Chase would require your full name, address, and social security number before letting you open an account with them.
Cash App doesn’t require all of this information up front. Users who choose not to give the popular payment platform their information upfront can still send and receive funds, albeit much less than if they gave all of their information.
Users who haven’t given Cash App the last 4 digits of their social security number, full name, or date of birth can send up to $250 in a 7 day period and can receive $1,000 within a 30 day period.
If you used to be able to send or receive transfers on Cash App but are no longer able to, it could be because you haven’t given enough of your personal information. If you want to have higher transfer limits, this could be the next step in doing so.
The easiest way to enter in the last four of your social security number, full name, and date of birth is when you first log in to Cash App.
If you skipped this step, you will be able to enter in this info anytime you want to do verified transactions on Cash App, like transfer funds above the $250 limit.
How to Fix Failed Cash App Transfer by Checking if You Have the Right $Cashtag
To find another user on Cash App, you can either use their phone number, email, or $cashtag. A $cashtag is unique to Cash App and it’s a fun and easy way of finding your friends (mine is $paybranson for example).
Sometimes, you may have entered the wrong $cashtag before transferring funds. This can be bad as Cash App won’t always refund you for sending money to the wrong user.
Before sending any money on Cash App you should always verify with the person you’re sending money to that you have the right profile. If you didn’t do this before transferring, your money may have gone to the wrong user.
To check for your specific $cashtag, if you forgot it, click on the profile in the upper right hand corner of the home screen. Your $cashtag will appear right under your profile.
How to Fix Failed Cash App Transfer if You Have Exceeded Your Daily Limit
If you’ve fully verified your Cash App account, your limits will be to send up to $1,000 per week, receive $1,000 per month, add up to $2,500 per week, and cash out up to $25,000 per week
This is a pretty common reason as to why many Cash App users have a failed transfer — they’ve already reached their monthly limit.
Luckily, Cash App has a handy button on their settings page where you can check what your current limits are. I’ll include an image of mine below:
If you’ve exceeded your monthly sending limit, you’ll have to wait until next month before sending more.
Can You Increase Your Cash App Transfer Limit from $2,500 to $7,500?
I’m including this portion of the article because I saw a lot of misinformation about it online. Many articles (not on topmobilebanks.com) are claiming that you can in fact increase your transfer limit past the initial increase by verifying your driver’s license with Cash App.
As with all questionable information, I contacted Cash App directly to get an answer from the source.
In short, no, you cannot increase your limit past $2,500. When I contacted Cash App, they said that they would roll out the increases in increments to their customers.
I then also asked about the information I saw online — if I sent them my driver’s license, would they increase my limit from $2,500 to $7,500?
Again, as you can see per my conversation with them, the answer is no.
If you want to increase your limits on Cash App, according to them, you’re going to have to wait. Also, be wary of any information that sounds too good to be true online.
Other sources usually won’t take the time to confirm their information. Stick to sites like ours where we talk to the companies we’re writing about directly.
More Useful Articles About Banking with Cash App
- Cash App Vs. Bank Account (Is It a Replacement?)
- How to Use and Pay With Cash App Without a Card
- 4 Ways You Can Use Cash App Without a Bank Account
- 4 Steps to Mobile Deposit a Paper Check on Cash App
- 5 Things to Do if a Random Person Sent You Money on Cash App
- 4 Simple Steps to Verify Cash App Card for Apple Pay