CashApp has become one of the most convenient and widely used mobile payment platforms,allowing users to send, receive, and spend money effortlessly. However, to makethe most of your Cash App account—especially if you use the Cash App Card forATM withdrawals or daily purchases—it’s essential to understand the CashApp ATM withdrawal limits and card usage limits.
Inthis comprehensive guide, we break down everything you need to know about CashApp card limits, including daily, weekly, and monthly restrictions, how toincrease these limits, and best practices to avoid declined transactions.
What is the Cash App Card?
TheCash App Card is a free, customizable debit card issued by Sutton Bank thatallows users to spend their Cash App balance anywhere Visa is accepted. You canalso use it to withdraw cash from ATMs, making it a powerful tool to accessyour funds instantly.
Understandingthe CashApp ATM withdrawal limit is crucial if you rely on physical cash.Here’s a detailed breakdown:
? CashApp per Transaction Limit: $310
? CashApp Daily Limit: $1,000
? CashApp Weekly Limit: $1,000
? Cash App Monthly Limit: There is nohard-set monthly limit, but you may be flagged if withdrawals exceed $4,000 permonth regularly.
Theselimits are in place to protect users from fraud and misuse, and they applyregardless of which ATM network you use.
??Note: The ATM you use might also have its own limits or surcharge fees.
Cash App Spending (Card Usage) Limits
BesidesATM withdrawals, your Cash App Card comes with spending limits that are equallyimportant. These limits depend on whether your identity has been verified.
Unverified Cash App Card Limits
? CashApp Send Limit: $250 per 7-day period
? CashApp Receive Limit: $1,000 per 30-day period
? ATM Withdrawal: Not available unlessverified
Verified Cash App Card Limits
Onceyou verify your identity (using your full name, date of birth, and last fourdigits of your SSN), your limits increase significantly:
? CashApp Send Limit: Up to $7,500 per week
? CashApp Receive Limit: Unlimited
? CashApp Cash App Card Spending Limit:
o Per Transaction: $7,000
o Cash App Daily: $7,000
o Cash App Weekly: $10,000
o Cash App Monthly: $25,000
Cash App ATM Withdrawal Fee
Whilethe Cash App Card is free, there is a $2.50 fee per ATM withdrawal. However,there’s good news:
? Direct Deposit Reimbursement: If youreceive at least $300 in direct deposits per month, Cash App will reimburse upto three ATM fees per 31-day period. This makes accessing cash much moreaffordable.
? Tip: Set updirect deposit to unlock ATM fee reimbursements and other benefits like earlypaycheck access.
How to Increase Cash App ATMWithdrawal Limit?
To increaseyour Cash App ATM withdrawal limits, follow these steps:
1. Verify Your Identity: Go to your CashApp home screen → Tap the profile icon → Select “Personal” → Enter your fullname, DOB, and SSN.
2. Enable Direct Deposits: Navigate to“Banking” → Tap “Direct Deposit” → Copy your account and routing number → Shareit with your employer.
3. Use the App Responsibly: Consistentusage without disputes or reversals boosts your trust level with Cash App,which may lead to higher limits.
How to Check Your Cash App Card Limits?
Youcan easily checkyour Cash App limits by:
? Tapping the profile icon
? Selecting “Limits” under the Privacy& Security tab
Thissection gives you a clear view of your ATM withdrawal limits, sending/receivinglimits, and spending caps.
Resetting or Reaching Your Limit
Ifyou hit your ATM or spending limits:
? Cash App Daily limits reset every 24hours
? CashApp Weekly limits reset 7 days after your first transaction
? Cash App Monthly limits reset on arolling 30-day basis
Bemindful of these cycles to manage your funds effectively.
Why Was My Cash App ATM WithdrawalDeclined?
Severalreasons could cause a declined transaction at the ATM:
? You’ve exceeded your ATM withdrawallimit
? Insufficient funds in your Cash Appbalance
? ATM’s own withdrawal restrictions
? The card is locked (check your cardsettings in the app)
? Technical issues with the ATM network
Alwaysensure your card is unlocked and funded before attempting a withdrawal.
Security Tips for ATM Withdrawals
? Avoid public Wi-Fi when using Cash App
? Enable two-factor authentication
? Monitor transactions regularly in theActivity tab
? Disable card temporarily if lost orstolen via the app
Can I Use Cash App CardInternationally?
TheCash App Card only works within the United States. International ATMwithdrawals or purchases are not supported, which includes both physical andonline transactions.
Final Thoughts
CashApp is an incredibly flexible financial tool, but understanding the ATMwithdrawal limits and CashApp Card spending limit is essential for smooth usage. By verifyingyour account and using direct deposit, you not only increase your limits butalso save on fees. Always stay informed through the app and make smartfinancial decisions to get the most out of your Cash App experience.
