Cash App has become a go-to mobile payment platform for sending, receiving, and managing money with ease. With the introduction of teen accounts, many parents and guardians are exploring how Cash App can be utilized by minors. However, understanding the Cash App limit for minors is crucial to ensure responsible usage while complying with the app’s policies.

Below, we dive into all the transaction limits, restrictions, and requirements associated with Cash App for users under 18, offering a comprehensive guide for both teens and their guardians.

Can Minors Use Cash App?

Yes, minors aged 13 to 17 can use the Cash App, but only with parental or guardian approval. The app introduced this feature to help teens manage money, build financial literacy, and engage in modern financial tools under adult supervision. However, these teen accounts come with specific limitations and oversight controls.

How Do Teen Accounts Work on Cash Apps?

To open a teen account, the minor must:

The adult sponsor can monitor activity, revoke access, and receive notifications about the teen's account usage. While the app offers functionality like peer-to-peer transfers and Cash Card access, the limits differ significantly from adult accounts.

Cash App Sending Limits for Minors

Minors cannot send unlimited money on the Cash App. Their sending limits are significantly reduced to protect their finances and ensure responsible usage.

• Unverified teen account sending limit: Teen accounts are automatically verified once parental approval is granted, but even then, the limits are:
  • $250 per week for peer-to-peer transfers.
  • Teens cannot send money internationally.

These limits help ensure that teens can participate in digital payments while remaining within safe boundaries.

Cash App Receiving Limits for Minors

Receiving limits for minors are also capped:

• $1,000 per month in incoming transfers.
• Any attempt to exceed this limit may result in a temporary hold or account restriction until the activity is reviewed.
• Funds can be received from friends, family, or employers (if applicable).

Cash Card Usage for Teens

Cash App offers a customizable Cash Card that teens can use for purchases online or in stores. However, some restrictions apply:

• ATM withdrawals are not permitted for teens.
• Cashbacks and check deposits are also disabled.
• The maximum Cash Card balance is limited to $1,000.
• Card transactions are subject to age-appropriate merchant restrictions—for example, teens cannot use the card at liquor stores, gambling sites, or adult services.

Daily, Weekly, and Monthly Limits on Cash App for Minors

Here is a breakdown of the Cash App daily, weekly, and monthly limits for minors:

These limits are cumulative, meaning that once a teen hits the maximum threshold, they will need to wait for the period to reset or for a parent to intervene and adjust permissions if possible.

What Features Are Blocked for Minors?

Several Cash App features are disabled for users under 18, even with verified accounts:

• Bitcoin and Stock Trading: Teens cannot access any form of investment on Cash App.
• Borrowing/Lending Services: Cash App’s loan or Cash App Borrow features are restricted.
• Check Deposit: Paper checks cannot be deposited into a teen’s account.
• Direct Deposit: Not all teens are eligible for direct deposit, though exceptions may be made for part-time jobs with valid documentation.

Parental Oversight and Controls

Parents who sponsor a teen account have several key controls:

• Approve or deny transactions.
• Receive notifications for activity, including transfers and purchases.
• Revoke account access at any time.
• Monitor spending categories to ensure safe usage.

This partnership helps build financial habits in a secure and supervised way, promoting responsibility without giving minors full control.

How to Increase Cash App Limits for Teen Accounts?

At this time, Cash App does not allow manual limit increases for teen accounts beyond what is outlined. The only way a minor can access higher limits or more features is by:

• Turning 18 years old, and
• Re-verifying identity with valid government-issued ID.

Once verified as an adult, the user can access:

• Up to $7,500 per week in sending limits.
• Unlimited receiving limits.
• Full access to investing, ATM withdrawals, and more.

Cash App Security for Teen Users

Security is a top priority for Cash App, especially with minors:

• PIN protection and biometric security are required.
• Real-time transaction forbiddens keep parents informed.
• Fraud detection systems monitor for unusual activity.
• Block and report features are available to safeguard against scams.

Encouraging teens to use these tools responsibly promotes digital awareness and financial safety.

Benefits of Cash App for Minors

While the limits may seem restrictive, they serve an important purpose. Here’s why a Cash App teen account can be a smart move:

• Builds early money management skills.
• Allows budgeting with parental supervision.
• Cash Card provides safe purchasing power.
• Introduction to mobile banking and financial tech.

Conclusion

Cash App provides a controlled, secure platform for minors aged 13–17 to explore financial independence. While there are strict limits on sending, receiving, and spending, these guardrails are designed to protect young users while offering them a gateway into the digital finance world. With parental approval and guidance, minors can safely learn how to manage money, save, and spend responsibly within Cash App's teen-friendly ecosystem.

If you’re a parent looking to introduce your teen to personal finance, Cash App offers the perfect starting point—with built-in controls and spending limits tailored for underage users.