How to Send Money on Cash App: Cash Out, Send and Receive

Vivien Thuri

Cash App is a peer-to-peer transfer service that makes sending and receiving money a piece of cake.

If you, like many of us, have the Cash App bug and are wondering how to send money on Cash App, then stick around to learn more about the ins and outs.

You’ll also learn about Wise, and how it could be a great alternative.

How to send money on Cash App

On Cash App, there are some specific sending situations, such as:

  • Sending money to someone within the US
  • Sending money to your bank account from your Cash App balance
  • Sending money internationally

Let’s take a look at these situations in more detail.

Send money within the US

Sending a payment on Cash App is a quick and simple process. All you need to do is:

  1. Open Cash App
  2. Enter the amount you want to send
  3. Click “Pay”
  4. Enter the recipient’s phone number, email address or $Cashtag
  5. Enter the purpose of the payment (for example, “last night’s dinner”)
  6. Select “Pay”¹

And voila - you made your first Cash App payment!

Just be aware that there are Cash App sending limits, which you can increase by verifying your account.

📚 Send money without a debit card
You may also be wondering how to send money on Cash App without a debit card. If you want to send money on Cash App, you need to either have a linked bank account or linked credit card. So you don’t necessarily need a debit card.² Also, you don’t need a Cash App card to be able to send money on the app.

Cash out: Send money to your own bank account

Transferring money from Cash App to your bank account is simple. It has a specific name for transferring money from your Cash App balance to your bank account - “Cash out”.

To Cash Out money, all you need to do is:

  1. Open Cash App
  2. Click “Cash Out”
  3. Enter the amount you want to transfer and click “Cash Out”
  4. Select the speed of the transfer
  5. Confirm the transfer with your Touch ID or PIN³

When cashing out your money, you can choose the speed of the deposit. You can either do an instant transfer or a standard transfer.⁴ Standard transfers are free and take between 1-3 business days, while instant transfers charge a fee.

Send money internationally with Cash App

Have a friend in the UK? You’re in luck.

With Cash App you can send money from the US to the UK with just a few taps of the thumb. Cash App will convert your USD to GBP for you, using the mid-market exchange rate.⁵

However if you want to send money to a country other than the UK, give Wise a try. Don't worry, you'll still get the mid-market exchange rate.

Send internationally with Wise 🌎


How to receive money on Cash App

If you can send money on Cash App, then it pretty much goes without saying that you can also receive money on it. But another cool thing you can do is request money on Cash App.

To request money, all you need to do is enter the amount you want and select who you’re requesting from. Once your friend accepts your request, they’ll have to follow some easy steps to complete the transaction.²

All payments you receive through Cash App will be stored on your Cash App balance.²

Need to send money internationally? Try Wise

As previously mentioned, you can only send to the UK using Cash App. If you’re looking to send to other countries then you may be interested in signing up with Wise. With Wise, you can:

Open a Wise account in minutes ⌚


  1. Cash App - Sending a payment
  2. Cash App - Additional Cash Terms of Service
  3. Cash App - Cash out instructions
  4. Cash App - Cash out speed options
  5. Cash App - International payments

All sources checked 10 June 2021

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from Wise Payments Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

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