It’s Friday. You wake up to a $15 Cash App notification. A pal paid you back for that pizza you shared. Your balance now reads $172.30.

You use your new money to get $1 off coffee with your personalized Cash Card. You even hit up the ATM after.

5PM. Direct deposit hits. Do you buy Bitcoin, or do you cash out instantly to another bank? With Cash App, you decide.

Protect payments with Face ID, Touch ID, or a passcode

Make your first payment within minutes

Sending money costs nothing, and we’ll mail you a free debit card within a week

What's New

Version 2.37

Various improvements and fixes

Ratings and Reviews

4.5 out of 5
100.1K Ratings
100.1K Ratings

Cash - Great way to send and receive money


I’ve been using the Cash app for a little over a year and it is a great way to send and receive money. It saves me and my family a trip to the bank and it saves us time and money from having to go to the post office to mail checks or money orders to each other, when one person’s bank is not in the other person’s location. In addition, we don’t have to play the waiting game with the mail carrier to receive funds. Now that most of our (family and friends) banks don’t allow non-customers to make cash deposits to customer accounts, it is really good to have cash app to rely on. Although, if we choose to have cash deposited to our bank account, from the cash app immediately, we will be charged 1.5% of the total amount to be deposited. However, if it’s not a holiday or the weekend, we can transfer the money, from cash app to our bank account in one day. Otherwise the transfer will take place when the bank reopens. Last but not least, when you sign-up for the cash app, you can receive a Visa Cash Card that can be used in the store like any other Visa Debit Card. But, all gas stations will put a hold on the ENTIRE balance of the cash card, so I would advise against using it for gas. Also, I have not used it to pay bills, but it does have my name printed and my signature, a 16 digit card number, expiration date, and CCV number. I have not had any problems using the cash app, and I highly recommend using the Cash app.

Geniusly simple, perfect for any occasion!


Can’t say enough good things. It’s such a simple app even my parents and grandparents can understand how it works (enough). If my kids were any older, I’d almost be afraid they’d use it too much!

I use to use Venmo for everything thing from renters to gas change for carpools. I’ve had a bumpy time with them between occasional times when it just wouldn’t connect to my bank account or even respond at all, then the next day it’d be fine. To a weird identity theft issue that happened using my Facebook login for multiple apps including Venmo and thousands of dollars were laundered through my account! All these issues have since been resolved but the security aspect and intermittent bank communication issues were just too much!

Now with the Cash app, I’ve referred it to colleagues, friends, family, tenets and I’ve never had issues and had the most simple time using it for a couple years now! It’s not just a simple to use app, but it’s highly convenient to have instant transfers to my bank for a few cents fee. I haven’t seen another way to instantly transfer funds like that unless the other party uses the same bank as me. All around, it doesn’t matter how old/young adept or confused you are with technology and apps, this app is the best I’ve ever used for money transfers; business or pleasure!

Instant Vs Free


When I first started using the app, I loved the convenience of it. However, I’ve noticed that nowadays, if I get money sent to me, the amount of time before I can get the money for free - no matter what amount - is days later than it was when I first started using the app. My sister sent me a mere $48 on a Wednesday, and I was given the free option for receiving it on Friday, or in this instance, pay a .78 fee for instant deposit. Even before this particular transaction, there have been other ‘days later’ options for receiving money or I’d have to pay the fee to get the money instantly, and it’s starting to bother me. It just makes no sense. If it was a huge amount, I could understand, but why charge an instant fee for such a small amount? And why not just offer the next business day? I think there should be a required minimum amount of money before charging for instant access, or at least offer the next business day just like other apps do, and not 2 or more days later. Maybe there’s a rhyme or reason as to how you all decide what amount gets charged a fee or not, or how long before money can be deposited, but I can’t figure it out. Before using your app, I had been using Zelle and POP Money, but I thought this was better and switched over. Maybe I made a mistake - I don’t know if it’s worth it anymore. I can only imagine the instant fees getting higher and the wait time getting longer over time.

Developer Response

When you're cashing out funds from your in-app balance to your linked bank, you'll always have two options: Standard Deposit, which is always totally free and will arrive in 1-3 business days depending on your bank's processing speeds, and Instant Deposit, which carries a fee of 1.5% of the total amount being deposits, so it varies based on the amount you're cashing out. The smaller the deposit, the less you'll be charged! We try really hard to be transparent about fees - the exact fee should be clear in the app whenever you're cashing out, but you can also find a complete list here: If we can answer any other questions, please reply back to let us know!


Square, Inc.
119.4 MB
Requires iOS 10.0 or later. Compatible with iPhone, iPad, and iPod touch.
English, French
Age Rating
Rated 4+
© 2013–2018 Square, Inc.


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