How to Have 2 Cash App Accounts in 2023 (Or How to Merge)

can i have two cash app accounts

Thinking about opening a second Cash App account? You’ve come to the right place because, in this article, you’ll learn how to open a second Cash App account, what the requirements are, as well as what are the differences between a personal and a business Cash App account.

You can have two Cash App accounts if you use a different phone number, email address, and bank account details to open the second account. You can also merge the two accounts into one if you opened one by mistake.  

Can You Have Two Cash App Accounts With The Same Phone Number?

Let’s clear this first. You can’t have two Cash App accounts with the same phone number or email address. Every Cash App account requires different numbers. 

Also, in order to have all the functionalities of a proper Cash App account, you’ll need to link a different bank account. If you don’t link a bank account, you won’t be able to withdraw funds. 

How to Open a Second Cash App Account

Opening a second Cash App account is very easy. To do this, you’ll need a different phone number and a different email address than what you used for opening the first Cash App account.

  1. Open Cash App
  2. Tap “Sign out”
  3. Enter your phone number or email address
  4. Enter the code
  5. Enter your first and last name
  6. Link a bank account (or skip)
  7. Choose a $Cashtag
  8. Enter your Postcode
  9. Enter your phone number

Now you have two Cash App accounts. You can use the second one without a different bank account, however, to use it without the limits, you will have to verify it and add a bank account that is different from the one used for your first Cash App account. 

READ ALSO: Cash App Vs. Revolut (A Complete Comparison)

How to Merge Two Cash App Accounts

If you have an old Cash App account, you can easily access it or even merge it on the same phone.

To access your old account:

  1. Tap on the profile icon on the Cash App homescreen
  2. Tap “Sign Out”
  3. Enter the phone number or email associated with the old account you want to retrieve
  4. Follow the prompts

To merge your accounts:

  1. Tap on the profile icon on the Cash App homescreen
  2. Select “Personal”
  3. Add the phone number or email associated with the old account you want to merge

Personal Vs. Business Cash App Account

personal vs business cash app account

In addition to having two personal accounts, you can have a personal and a business Cash App account with one phone number or email address.

However, having a business account doesn’t come responsibility free. You have to offer your customers refunds and returns. There’s also liability for chargebacks that can get you in hot water sooner, rather than later. 

Then there are the receipts. You have to issue a receipt to your customer if the purchase is larger than $15. This may or may not be worth it to you.

Another pain point could be the taxes. Namely, the Cash App company has to report your payments when transactions are greater than $600 in a year.

READ NEXT: The 5 Ways Cash App Makes Money

How to Switch From Personal to Business Cash App Account 

You can easily switch between personal and business Cash App accounts on the same phone within the app under the “Personal” tab. 

Simply tap the “Change Account Type” tab at the bottom and “Change this account” on the next screen. 

Tap “Confirm” that you’d like to change t to a business account and you’re all done. 

Is Cash App Business Account Good?

We don’t really recommend Cash App’s business account to anyone. It’s a surprisingly basic checking account that doesn’t have anything to offer to even amateur-level entrepreneurs. 

There’s a better alternative even inside the same company. Square, a business bank account and POS system comes from the Cash App parent company (Block, Inc.) and offers a better and more competitive package for all levels of entrepreneurs and small to medium businesses.  

Investing Account

Cash App is a multi-layered app that appeals to different kinds of customers. Ones that love the simplicity of money transfers and others that love the simplicity of investing in stocks and/or Bitcoin.

For the latter, Cash App investing account is an incredibly handy gateway into the world of investing.

However, to open an investing account, you have to provide the company with your full name, date of birth, and address, as well as your SSN, employment status, and the name of the employer.

Investing account is free to open and maintain and requires no minimum balance. 

READ ALSO: Cash App Vs. Current (A Complete Comparison)

Blocked Cash App Account

blocked cash app account

Having two Cash App accounts can sometimes get you in trouble with the company if they suspect unusual activity. They can block your account(s) or even close it without prior notice. 

Breaking the app’s terms of service is the fastest way of getting your account locked and closed for good. After that, you can try and open a new account, with no guarantees of success though. 


As you can see, you can have two or more Cash App accounts. You can also access them on the same phone by signing out of your current account and logging in with your other account’s credentials.

On the other side, you can also merge any separate Cash App accounts you have into one account. Or, why not open a Business Cash App account if you have a side hustle. 

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