In today's fast-paced digital economy, Cash App has emerged as one of the leading mobile payment services in the United States. Its convenience, speed, and simplicity make it a go-to app for millions. However, questions often arise about Cash App Card withdrawal rules, especially surrounding who can withdraw money using the card and what limits apply to these transactions. Below, we provide a comprehensive guide addressing everything you need to know about withdrawing money using a Cash App Card—from eligibility to exact withdrawal limits.

What Is the Cash App Card?

The Cash App Card is a free, customizable debit card linked directly to your Cash App balance. Issued by Sutton Bank, this card operates on the Visa network, allowing you to spend your Cash App funds anywhere Visa is accepted, including physical ATMs.

Can Anyone Withdraw Money from My Cash App Card?

No, not just anyone can withdraw money from your Cash App Card. For security and compliance reasons, only the cardholder can initiate withdrawals. Here's why:

• Cardholder Verification: Your Cash App Card is tied to your Cash App account, which requires personal identification verification.
• PIN Protection: To use the card at ATMs, you must enter a 4-digit PIN known only to you.
• Biometric & Device Security: Cash App allows you to secure your account using Touch ID, Face ID, or passcodes, adding another layer of security.
• Fraud Detection: Cash App continuously monitors accounts for suspicious activity and can freeze unauthorized attempts to access funds.

Bottom line: Unless someone has both your physical card and your PIN or device access, they cannot withdraw your money.

Where Can You Withdraw Money Using a Cash App Card?

You can use your Cash App Card to withdraw money at most ATMs across the U.S., provided they accept Visa. Here's how:

What Are the Cash App ATM Withdrawal Limits?

Cash App enforces strict limits on ATM withdrawals to protect users and comply with banking regulations.

Cash App ATM Withdrawal Limits Are as Follows:

• $310 per withdrawal
• $1,000 per 24-hour period
• $1,000 per 7-day period

These limits are fixed unless Cash App modifies them, which it may do depending on account activity or verification status.

What Are the Cash App Spending and Sending Limits?

In addition to ATM limits, Cash App also imposes limits on spending and transfers.

Unverified Accounts:

• Cash App Send Limit: Up to $250 per 7-day period
• Cash App Receive Limit: Up to $1,000 per 30-day period

Verified Accounts:

Once you provide your full name, DOB, and last 4 digits of your SSN, your limits increase:

• Cash App Send Limit: Up to $7,500 per week
• Cash App Receive Limit: Unlimited

Verification also increases your Cash Card withdrawal and transaction capabilities.

Can You Increase Your Cash App Withdrawal Limits?

Yes, you can request higher limits by verifying your identity within the app.

To Verify Your Account:

After verification, you may gain access to enhanced limits, but keep in mind that ATM withdrawal limits generally remain at $1,000 per week, even for verified users.

Are There Fees for Withdrawing Money Using the Cash App Card?

Yes, Cash App typically charges $2.50 per ATM withdrawal. Additionally, ATM owners may apply their surcharge.

How to Avoid ATM Fees:

If you receive direct deposits of $300 or more per month into your Cash App account, Cash App will reimburse 3 ATM fees per 31-day period, up to $7 per withdrawal.

How to Check Your Cash App Withdrawal Limits?

To monitor your withdrawal limits:

Staying aware of your limits ensures you don't face denied transactions at the ATM.

What Happens If You Exceed the Withdrawal Limit?

When you hit your weekly limit, any further ATM withdrawal attempts will be declined until your limit resets. This typically happens seven days from your last qualifying withdrawal.

You’ll still be able to use your Cash App Card for purchases and online transactions within your spending limit, but ATM access will be temporarily blocked.

Can You Withdraw Money Without the Cash App Card?

If you don’t have a physical Cash App Card, you can still access your money by:

• Transferring funds to a linked bank account
• Sending money to another Cash App user
• Using a Cash App Boost for savings at participating merchants

However, you cannot withdraw cash from an ATM without the physical Cash App Card.

Is There a Daily Withdrawal Limit for Cash App Cards at Stores?

While ATM withdrawals have a fixed cap, in-store purchases using your Cash App Card are subject to different limits.

Cash App Card Daily Spending Limits:

• $7,000 per transaction
• $7,000 per day
• $10,000 per week
• $25,000 per month

This allows for greater flexibility with retail purchases, online shopping, and subscriptions.

How to Report Unauthorized Withdrawals?

If you suspect fraud or unauthorized access, act fast:

Cash App uses encryption and advanced fraud detection to protect your funds but reporting quickly improves your chances of a refund.

Conclusion

The Cash App Card offers a seamless way to access your Cash App funds instantly, but strict ATM withdrawal limits apply for safety and compliance. Only the authorized user can withdraw money, and while the limits are fixed, you can optimize your usage through account verification and direct deposit benefits.