How Cash App Works

What is Cash App?

Cash App is a mobile payments service from Block, Inc. that aims to simplify how people move money, pay for goods, and manage basic financial tasks from a smartphone. It combines a digital wallet, a linked debit card (Cash Card), and optional investing features in one app.

How Cash App works

• Download the app on iOS or Android and create an account.
• Link a bank account, debit card, or card details to fund your Cash App activity.
• Send money to other Cash App users using a name, email, phone number, or a Cashtag (a unique handle the app assigns to your account).
• Request money from others if someone owes you funds.
• Use the Cash Card for in-store and online purchases.
• Optional: buy and sell assets like stocks or Bitcoin in-app where available.

Key features

• Person-to-person payments: quickly send or receive money between friends or family.
• Cash Card: a Visa debit card tied to your Cash App balance for online and offline purchases.
• Direct deposits: receive funds, like paychecks, directly into your Cash App balance where supported.
• Investing: buy fractional shares of stocks or Bitcoin in-app where available.
• Cash App for business: some users can accept payments for goods and services via Cash App.

Safety and security

Cash App uses encryption and requires you to protect your account with a passcode, PIN, or biometric login (Face ID/Touch ID). It also offers fraud monitoring and tips to avoid scams. Never share verification codes, your sign-in password, or a one-time code with others.

Getting started

1. Install the app and sign up. 2) Verify your identity if you want to access more features or higher limits. 3) Link a funding source. 4) Start sending, receiving, or paying with your Cash Card.