What time does Cash App direct deposit hit?

Adam Rozsa

If you’re wondering when to expect your Cash App direct deposit, you’re in luck. Cash App direct deposits are made available as quickly as possible once they’re sent: while Cash App itself doesn’t mention a specific time of the day on their website, it takes about 1-5 days for the funds to hit your account. Also, the funds can land in your account up to 2 days early, compared to many banks. This guide runs through all you need to know about Cash App direct deposits. If you’re looking for an easy introduction to Cash App, you can also get our full guide to Cash App here.

If you’re planning on sending a payment overseas once your direct deposit hits, you need Wise. Wise can help with simple solutions to convert your funds into foreign currencies, and send money abroad with low and transparent fees.

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📝 Table of contents

How long does direct deposit take on Cash App?

If you’re waiting for your paycheck or other regular payment to land, you’re probably wondering: what time does direct deposit hit in Cash App?

💡 In general, direct deposits can take between 1-5 days to arrive to your Cash App from the scheduled date of arrival¹.

Cash App also has an early payment service, which means that direct deposit transfers are available to customers as soon as the sender releases them. This can mean you get your money up to 2 days faster when you use Cash App direct deposit instead of having your money paid into your regular bank account.

It’s good to know that the exact time Cash App direct deposit payments post will depend on when they’re sent. The Cash App service team suggests you get in touch if your payment hasn’t arrived 5 days after you expected it, to see if there’s been a problem².

Does Cash App direct deposit come early?

Cash App direct deposits may arrive up to 2 days early compared to many banks. Exact arrival time depends on when the sender releases the payment to Cash App.

cash app direct deposit

How to enable direct deposit with Cash App?

To receive direct deposit payments into Cash App, you’ll first need a Cash App card. Once you have a Cash App card, you’ll be able to get your account routing number to use when setting up a direct deposit payment.

If you have your Cash App card already, here’s what to do³ :

  • Log into your Cash App account
  • Tap the Banking tab, and then select Direct Deposit
  • Tap to select Get Direct Deposit Form
  • Complete the direct deposit form by entering your employer’s details and how much you want to be deposited into your Cash App account
  • Add your signature
  • Select Email Form and enter your employer’s contact information
  • Check, approve and you’re done
💡 Once your account is set up, you can receive payments of 25,000 USD per direct deposit to a maximum of 50,000 USD in a 24-hour period.

How do I set up direct deposit with Cash App?

You can set up a Cash App direct deposit using the direct deposit form provided in the app, as we have outlined above. As an alternative, you can also get your account and routing information from Cash App and give these directly to your employer or other payer to set up a direct deposit. Here’s how⁴:

  • Log into Cash App and tap the Banking tab
  • Tap the routing and account number, which you’ll see below your balance
  • You’ll be given the choice to copy the numbers
  • Paste the numbers into an email or your employer’s own form for direct deposit payments
  • Send your account and routing details according to your payer’s requirements, and you’re done

cash app direct deposit

Is Cash App safe for direct deposit?

Cash App is safe to use, although you’ll need to keep your account details safe and secure, as with any account product⁵. Generally, using a direct deposit to get paid by your employer or any other regular payer is much safer than the alternatives of getting a check or being paid in cash. You can’t lose the payment, and it can’t be stolen on the way to your account, making direct deposits a smart choice for any type of regular transfer.

Need to send money abroad? Try Wise

Planning on sending money to friends and family overseas, or shopping online with international retailers once your direct deposit lands? Check out Wise to see how much you could save when you convert currencies and send international payments.

Wise uses the mid-market exchange rate with no markups and no hidden fees. You’ll only ever pay a low transparent charge when you convert or send currencies, which can mean you save compared to your regular bank. Open a free online Wise multi-currency account to hold 40+ currencies, switch between them in the Wise app and spend any currency you hold - fee free - if you get a debit card for a one-time fee. It couldn’t be easier.

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Please see the Terms of Use for your region or visit Wise fees & pricing for the most up-to-date information on pricing and fees.

Setting up a Cash App direct deposit is easy, and can mean you get your money faster compared to having your payments sent to a traditional bank account. Now you just have to decide how to spend your direct deposit payment. Check out Wise if you’re sending or spending in foreign currencies, to see if you can save.


1] Cash App help - Direct deposit
2]Cash App help - Missing direct deposit
3] Cash App help - Enable direct deposit
4] Cash App help - Routing and account details
5] Cash App help - Keeping your Cash App secure

All sources checked on 27 August 2021

Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information.

This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional.

We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.

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