How to Receive Money on Cash App Without a Card (2023)

Written By Branson Knowles

One of the best things about Cash App is that it allows users to receive money without needing a card. Receiving money on Cash App is simple, even if you don’t have the card.

To receive money on Cash App without the Cash App card, have another Cash App user send you funds. They can send the money directly to your account using your name, phone number, email address, or $cashtag.

Transfers on Cash App are free for both the sender and the receiver. The transfers are instant as well, so if you need money right away a Cash App transfer may be the solution for you. 

You can do a lot on Cash App without giving them much information.

Unlike other fintech companies, Cash App lets their customers use their service without requiring their full legal name, address, or date of birth.

While you can accept Cash App transfers without a card attached to your account, you will have lower limits associated with your account.

If you don’t attach a card and fully verify your Cash App account, you can only receive a maximum of $250 per week or $1,000 per month.

You can check your Cash App limits in the profile section of the app. Once you’re in your profile, head down to the button that says “Limits”.

check your cash app limits

If you choose to verify your Cash App account, however, and give the company all of your information, they will increase the limit on how much you can receive in a transfer. 

Once you fully verify your account Cash App will let you receive an unlimited amount in transfers.

You can send up to $4,000 per week and deposit $4,000 in cash per week as well.

Finally, there is a cash out limit of $25,000 per week too.

verified cash app limits

How to Receive Money on Cash App without a Card from a Transfer

Most people would recognize Cash App from its transfer capability.

You can use it to receive money from friends, family, and even customers if you have a business.

You don’t need a card either, just a $cashtag handle or other user name and any Cash App user can send you funds. 

1. Download Cash App

If you don’t already have a Cash App account, you will need to sign up and create one.

Download the app and follow the prompts to create an account. Once you have set up your account, you can start receiving money from other users.

When you download the Cash App account, you can either create an account without giving Cash App much information, or fully verify your account by giving them the last four digits of your social security number, your date of birth, and your full legal name.

You can do this step later if you don’t choose to initially and later change your mind.

2. Make Sure They’re Paying The Right Person

To receive money on Cash App, you will need to make sure that the sender has your Cash App username or phone number.

That way, they can send you the money directly to your Cash App account.

They can also use your $cashtag or your email address.

If you’re in their phone’s contact list, they should be able to find your account there as well. 

3. Receive Your Funds

Transfers between users on Cash App are instant. You don’t have to do anything to accept it either.

Once the funds are sent, they should appear in your Cash App account right away.

That’s it.

As soon as the sender hits send on their end the transfer should go through.

You’ll be able to use the money right as it enters your Cash App account.

If you haven’t verified your account, you can only receive up to $250 per week and $1,000 per month.

Can I Receive Money on Cash App without Linking a Bank Account or Card?

The short answer is yes, you can receive money on Cash App without linking a bank account or debit card.

Cash App offers an option for users to receive money with a Cash App account and a linked email or phone number. 

After receiving the money, the funds will be deposited to your Cash App balance, and you can use it for purchases, ATM withdrawals or transfer it to your linked bank account, if you choose to link one later. 

In order to receive money on Cash App, you just need to create an account on their platform.

You don’t need to link a debit card or bank account to do so.

You don’t even need to give Cash App your legal name, just your phone number, email address, and profile name.

How Can I Send Money to Someone Without a Bank Account or Card?

If you’re looking for ways to send someone money without using a bank account or credit and debit cards, you may think your options are limited.

But in today’s world of integrated technology and finance, you have more options than ever.

1. Money Transfer Services

One of the most popular ways of sending money to someone without a bank account or a card is by using money transfer services.

Companies like Western Union, MoneyGram, and Ria have thousands of agent locations worldwide, where you can send money in cash. 

All you need is the recipient’s name, country of residence, and the amount you wish to send.

Once you have paid the transfer fees and foreign exchange fees (if there are any), the recipient can pick up the money at the agent location.

2. Prepaid Debit Cards

Prepaid debit cards are another great way to send money to someone without a bank account or a card.

These cards can be purchased at retail stores or online and can be loaded with funds. 

The recipient can then use the card to make purchases or withdraw cash at an ATM.

Some prepaid debit cards even offer the option to transfer funds to another cardholder, making it a great choice for sending money.

3. P2P Payment Apps

If you’ve read any of the articles I’ve written on, you’ll know I love peer-to-peer (P2P) payment apps.

Apps like Venmo, Paypal, and Zelle are revolutionizing the way people send and receive money. 

These apps allow users to transfer money directly to each other’s bank accounts or debit cards without the need for cash or checks.

However, not all P2P payment apps offer cash pickup options, so it’s important to check their apps before using them.

4. Money Orders

As an ex-banker who used to work for Chase Bank, I’m more than familiar with Money Orders.

They’re a more traditional option that is still prevalent today.

Money orders can be purchased at a post office or retail store and can be sent to the recipient via mail. 

If you do have a bank, they can be purchased there as well.

The recipient can then cash the money order at their bank or a check-cashing store.

While money orders can be a bit slower compared to other options, they are still a reliable way to send money.

If you don’t have a debit card or bank account, don’t worry. There are still several reliable ways of sending someone money. 

How Do I Automatically Accept Payments on Cash App?

Most people are under the impression that you have to do something to accept a payment on Cash App.

You don’t.

In fact, Cash App transfers are so fast that the moment the sender sends the funds they’re in your account, if they’re your friend.

You can’t decline the transfers either.

If someone you don’t know has sent you funds on Cash App, they’ll just go right into your account.

You’ll have to contact Cash App about sending the funds back if you choose to. 

How to Transfer Money from Bank Account to Cash App

Using a bank account in conjecture with Cash App is a great way to get the most out of both your traditional bank account and your fintech app.

If you’re wanting to fund your Cash App account from your bank account, you have options.

Before you transfer money from your account to Cash App, you’ll first need to link the accounts.

It’s a simple process that doesn’t take too long, and you can do everything from the Cash App itself.

cash app bank transfers

Log into Cash App and try to add money from an external account.

If you don’t have one, Cash App will ask you to add one.

Cash App uses Plaid to link accounts to their platform automatically.

If you’re unfamiliar with Plaid, it’s a popular service used by Chime, Venmo, and other fintech companies to link external accounts to their service in a secure fashion.

Cash App uses it as well, and it makes linking accounts that much quicker. 

cash app link your bank account

You can find your bank on Plaid’s list of popular banks, or use their search bar if you can’t find your bank on the front page.

Log into your bank’s online platform using your normal username and password and give your bank permission to share your information with Plaid, if you want Plaid to do everything automatically.

If not, you can enter your information manually and link the accounts yourself.

Once the accounts are linked, you can send money from Cash App to your bank account and vice versa for free. You can also transfer money instantly, for a small fee.

If you find this article useful, check more guides written by me:

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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