Even if you don't have a physical Cash App Card or a debit card linked for instant transfers, you can still access and withdraw money from your Cash App balance. The primary method involves leveraging your linked bank account.
It's important to understand that you don't need a card to receive money into your Cash App account. All you need is an email address or phone number for the sender to send funds to your Cash App balance. However, accessing those funds without a card for spending or ATM withdrawals requires alternative steps.
Accessing Your Cash App Funds Without a Physical Card
The most common and effective way to get money out of Cash App when you don't have a physical card (like the Cash App Card) is by transferring funds to a linked bank account.
The Primary Method: Transfer to a Linked Bank Account
Cash App allows you to link a bank account using its routing and account numbers, which doesn't require a physical debit card. Once linked, you can transfer your Cash App balance directly to your bank account.
Steps to Link a Bank Account and Transfer Funds:
- Open Cash App: Launch the Cash App on your mobile device.
- Navigate to Banking/Money Tab: Tap the "Banking" tab (or the house icon) on your Cash App home screen.
- Link Bank: Under the "Linked Banks" section, tap "Link Bank" or "Add Bank."
- Enter Bank Details: Follow the prompts to securely link your bank account. This typically involves entering your bank's routing number and your account number. You might also need to log in to your online banking portal through Cash App's secure connection.
- Initiate Cash Out: Once your bank account is linked, go back to the "Banking" tab.
- Tap "Cash Out": Enter the amount you wish to transfer.
- Choose Deposit Speed: Select your preferred deposit speed:
| Deposit Type | Speed | Cost | Best For |
|---|---|---|---|
| Standard Deposit | 1-3 business days | Free | When you're not in a hurry to access funds. |
| Instant Deposit | Immediately (within minutes) | 0.5% - 1.75% fee (min $0.25) | Urgent access to funds, for a small fee. |
- Confirm Transfer: Confirm the transaction details to initiate the transfer to your linked bank account.
For more detailed information on linking your bank account, you can refer to the official Cash App support page: Link a Bank Account on Cash App
What if No Bank Account is Linked?
If you don't have a bank account to link, getting money out of Cash App into physical cash becomes significantly more challenging without the Cash App Card. In such cases, your options are limited to:
- Sending Money to Others: You can use your Cash App balance to send money to friends or family who do have linked bank accounts or Cash App Cards. They could then potentially withdraw the money for you.
- Paying Merchants (if applicable): If a merchant accepts Cash App as a payment method, you might be able to use your balance for purchases directly.
It's important to note that without a linked bank account or a Cash App Card, direct withdrawal of cash from an ATM or in-person location is not possible.
Future Access: Consider Getting a Cash App Card
While your current situation involves not having a card, for future convenience and direct access to your Cash App balance, consider ordering a free Cash App Card.
Benefits of a Cash App Card:
- Direct Spending: Use it anywhere Visa is accepted, online or in stores.
- ATM Withdrawals: Withdraw cash from ATMs (fees may apply from Cash App and the ATM operator).
- Boosts: Access instant discounts at various merchants with Cash App Boosts.
You can order a Cash App Card directly through the app from the "Cash Card" tab.
