Planning to open a new Cash App account with the same number, but you’re stuck? That’s because Cash App has set some limitations.
You can’t have two Cash App accounts with the same phone number. You can’t even use the same email address or bank account details on two or more accounts. This is the norm for most apps, not just financial ones.
And it’s good that there are these kinds of limitations. We wouldn’t want Cash App to turn into Twitter, would we?
Let’s find out how to open a second (or third) account on the same phone and how to merge two accounts into one.
How to Open an Additional Cash App Account
Registering for a second Cash App account is easy. However, you CAN’T use the same number or email. You’ll need a different number and email address than what you utilized for opening your first Cash App.
Here’s how to open the second account:
- Open Cash App
- Tap “Sign out”
- Enter your phone number or email address
- Enter the code
- Enter your first and last name
- Link a bank account (optional)
- Choose a $Cashtag
- Enter your Postcode
- Enter your phone number
What you can do is you can log in to both accounts on the same phone but NOT at the same time. You’ll have to sign out of one account to be able to sign into the other one.
You can also use the second account without a bank account, however, as you probably already know, to use the account without the limits, you will have to verify it with your SSN and add a bank account that is different from the one utilized for your first Cash App account.
Having two Cash App accounts is not as cut and dry as you might think, as it can sometimes get you in trouble with the company. Generally, this happens if they suspect unusual activity.
That can lead to them blocking your account(s) or even closing them without previous notification. More on that below.
READ ALSO: Can Cash App Be Traced? (Need to Know)
How to Combine Two Cash App Accounts
If you have an old Cash App account that you want to get rid of, you can just as easily merge it to your other account on the same phone.
To access your old Cash App account:
- Open Cash App
- Tap on the profile icon
- Tap “Sign Out”
- Enter the phone number or email linked to the old account you want to recover
- Follow the prompts
Now, to merge two of your accounts:
- Open Cash App
- Tap on the profile icon
- Select “Personal”
- Add the phone number or email associated with the old account you want to merge
You can also update your information by selecting “Personal” and tapping the email address or phone number you want to remove, and tapping “Add Phone or Email” to add and confirm new details.
Cash App Account Closures
As with all other apps, Cash App also has terms and conditions you need to comply with. Breaking them is the single fastest way of getting your account blocked or even closed for good.
You can then try and open a new account, but there are no guarantees that you’ll be able to do it.
Here are 10 of the most typical causes for Cash App account closures:
- You’re underage
- You aren’t a US resident
- You didn’t verify your account properly
- You chose a deceiving $Cashtag
- Government compliance
- Going into negative balance and not paying it off
- Suspect peer-to-peer payments and transfers
- Using your personal account for business
- Using an incorrect or false email or phone number
- It’s not you, it’s Cash App
Let’s clarify some of these further.
You have to be older than 18 to use Cash App and be a US resident if you’re signing up in the US. UK app users have to be UK residents, obviously.
To remove limits and to get a Cash Card, you have to verify your account with your SSN and other details. If you don’t do this properly, your account could be terminated.
Choosing a misleading $Cashtag or a $Cashtag that can be used or is used to deceive other users, or to trick them into sending you money (scamming them), could mean that you have to change the existing $Cashtag or your account is gone.
The company (and any other one, for that matter) can not only reverse, refuse, or delay any purchase, investment, or money transfer, but they can also close your account because a subpoena, a court order, or any other official government order was issued against you.
If you often go into a negative balance on purpose, for example, at a gas station terminal, you could lose your Cash App account. There’s a purpose-built feature in the app for that that you can use to go into legit overdraft.
Cash App’s T&Cs also mention payments and money transfers. If the company believes you are getting payments that don’t belong to you (scams), they can terminate your account and retain all “your” funds.
Cash App offers two types of accounts – personal and business. You can certainly have both of them at the same time, but you are not permitted to use the personal account to run a business and take payments for goods or services.
This often happens if the system automatically detected suspect transfers into your account or someone reports you (ouch).
And lastly, like most other companies, Cash App’s systems, services, and oversights aren’t perfect. Far from it. Mistakes can and do happen all the time, unfortunately, and your account can easily get flagged for the wrong reason(s), causing you inconvenience.
Just look at this screengrab from Trustpilot. The app has only a 1.2-star rating from thousands of reviews. Quite frankly, it’s shocking. However, we need to remember that there are 70 million (!) users of this mobile payments platform.
Clearly, you can have two or more Cash App accounts. However, the phone numbers and email addresses, as well as bank accounts, all have to be different.
You can also access your various accounts on the same phone by logging out of your current account and signing in with your other account’s details.
Lastly, you can also merge any Cash App accounts you have into one if you wish so. On the other side, you can also open a Business Cash App account for your side hustles and have free instant cash outs and no other limits.