How To Add Money To The Cash App Without Using A Debit Card [Best Guides]

how to add money to the cash app without using a debit card

Cash App is a popular  online app with over 30million users that permit the transfer of money at a low cost fees. Cash app  was formally referred to as Square Cash. It has mobile payment services that is available in the United States of American and in the United kingdom.

Cash App is a peer-to-peer payment app that allows you to send and receive money with friends and family through your android or iPhone without necessarily having physical cash at hand. It is one of the most popular apps nowadays due to the fact that it makes money transfer easier and secured.

Cash App provides users with a Visa Debit card which enables fast and easy cash-out and cash-in processes. However, you can still add money to your Cash App without necessarily using a debit card.

In this article, we will be showing you a best guide on how you can add money to Cash App without a debit card. But for better understanding, we will first show you how to create a Cash App account below.

What Is The Process For Creating A Cash App Account?

To create a Cash App accounts you will be required of the following: Smartphone (iPhone or Android), Valid US or UK phone number (or email address), Debit card (optional for initial setup, but recommended for full functionality).

Firstly, you need to download the Cash App from Apple play store or Google play store and install it in to your android or iPhone mobile device.

The second thing to do is to create an account on Cash App using the following steps (processes):

  1. Tap on Cash App to launch it.
  2. To create an account, enter your phone number or email address.
  3. Cash App will send you a secret code through text or email which you will enter the code in the space provided.
  4. You can invite friends to sign up with Cash App to earn cash (optional).
  5. Enter your debit card information to link your bank account to Cash app.
  6. Pick a $Cashtag- a unique username that you will use to send and receive money.
  7. Enter your Zip code and then you are ready to start using the App. You can also allow access to your contacts to find friends who already use Cash App (optional).

After the above, You should now have a basic Cash App account ready to use for sending and receiving money with friends and family (provided they are also in the US or UK).

After you have created, your Cash App account, you can then add money to Cash app account using any of the methods below, if you don't have a visa debit card. Money in your Cash app can be used to make online shopping, pay bills, trade stocks and also to buy Bitcoins.

How To Add Money To The Cash App Without Debit Card

Cash App typically prefers linked bank accounts or debit cards to add funds, but there are a couple of alternative ways to achieve this without a debit card, as we will see below:

A debit card is usually linked to a checking account and permit its user to withdraw cash directly from his  account. However, not everybody may have access to a debit card and might prefer to use other methods.

There are several ways in which one can add money to Cash App even without debit. Some of which include;

  • Through external bank account
  • In-store using barcode
  • Requesting from friends 
  • Mobile check deposit
  • Through online platforms like; PayPal.

1. Add Money To The Cash App Through an External Bank Account

With Cash App, you can link your bank account and it enables you to transfer money into your Cash App account. You can either add money to Cash App from your bank account or from someone's bank account.

This is the most recommended option. Instead of providing just your bank account number, Cash App uses a secure system called Plaid to link directly to your bank. This way, you avoid manually entering sensitive information and benefit from potentially faster transfers.

To link your bank account:

  1. Open the Cash App: Launch the Cash App on your smartphone.
  2. Access Profile: Tap on the profile icon in the top right corner of the Cash App screen.
  3. Linked Banks:  Look for the "Linked Banks" or "Banking" section and tap on it.
  4. Link Bank:  Within the Linked Banks section, select the option to "Link Bank" or "Add Bank".
  5. Verify with Debit Card: Cash App might ask you to verify your identity using your previously linked debit card.
  6. Choose Your Bank: Cash App will display a list of popular banks or a search bar where you can enter your bank's name manually.
  7. Sign in to Bank Account: Select your bank from the list and provide your secure bank login credentials when prompted by Plaid (Cash App's secure linking partner).
  8. Authorize Access: Your bank may ask you to authorize the connection between Cash App and your bank account. Follow the on-screen instructions provided by your bank.

Once you've completed these steps, your bank account should be successfully linked to your Cash App.

In case where you want to remove a linked bank account, 

  • Repeat step 1-3 above.
  • Tap on "Linked Banks" and choose the bank account that you want to delete or change.
  • Tap on the "Remove Bank" tab or "Replace Bank" tab
  • Follow the instructions and input the required information. Submit by clicking "Ok".

Linking a bank account might involve a verification process by Cash App. This may involve micro-transfers to and from your account to confirm its validity.

There may be transfer limits on unverified bank accounts. These limits are usually lifted once the account is fully verified.

Also see: How To Transfer Money From Bank Account To Cash App

2. Requesting Money from Friends Using Email Address on Cash App

Cash App is a mobile app that allow users to make money transactions with friends on the app and also request from friends using either their email address, $Cashtag or Phone number.

You can requested money through Cash App.  This is possible through the following steps;

  1. Open Cash App: Launch the Cash App on your smartphone.
  2. Request Tab:  Look for the request icon or tab on the Cash App screen (it might be a dollar sign with an arrow pointing up).
  3. Enter Amount: Tap on the request icon or tab and enter the amount of money you'd like to request from your friend.
  4. Add Email Address: Below the amount section, you'll find options to enter the recipient's information. Choose the option for Email Address.
  5. Enter Friend's Email: Carefully type in your friend's complete and accurate email address associated with their Cash App account ($Cashtag).
  6. Optional Note: Cash App offers a space to add a brief note explaining what the money is for. This helps your friend understand the reason behind your request.
  7. Request Money:  Once you've entered all the details, double-check everything for accuracy. Then, tap the button to confirm and request money.

When you request money from a person on  Cash App, he/she will have 14 days to validate or decline the request process.

If no respond is made within these 14 days, the request will automatically expire. In the case where he validate your request, you will receive a Cash App payment instantly in your balance.

The money in your Cash App balance can then be send to friends or Cash out to your linked Debit card or bank account.

Related articleHow To Transfer Money From Cash App To My Bank Account

3. Add Money To Cash App From PayPal

Cash App does not permits a direct link to PayPal. However, you can indirectly link up your Cash App account to PayPal using an external bank account. This is due to the fact that there is no direct transfer between Cash App and PayPal, since this two apps don't integrate.

Once you have linked up your Cash App and PayPal to the same external bank account, you can then transfer money from PayPal to that linked bank account and then again from the linked bank account to Cash App. This might take much time as compare to other methods.

There might be fees associated with transferring money from PayPal to your bank account. Check PayPal's fees for details.

Cash App may have daily or weekly limits on how much money you can add.

For more details on how to link your PayPal account to your bank account and then transfer money, it might interest you to view the articles below;

  1. How To Add Money To Bank Account From PayPal Wallet
  2. How To Transfer Money From Bank Account To Cash App

4. Use A Reloadable Prepaid Card:

You can add money to your Cash App account without a debit card in stores like Walmart, 7-eleven, Walgreen Sheetz, StopNGO, Family Dollar, etc.

Stores like Walmart or Walgreens sell prepaid reloadable cards like Green Dot, Netspend, or Walmart MoneyCard. You can load cash onto these cards and then use the card information to add funds to your Cash App balance. Be aware that there might be fees associated with refilling these cards with cash.

For this to be possible, 

  1. Open the Cash App: Launch the Cash App on your phone and log in to your account.
  2. Add Cash: Locate the option to add cash to your Cash App balance. This might be a button labeled "Add Cash" or a plus sign (+) icon.
  3. Select Payment Method:  On the "Add Cash" screen, you'll see various payment method options. Choose "Debit Card" or "Credit Card" (whichever applies to your prepaid card).
  4. Enter Card Details:  Carefully enter your reloadable prepaid card's information, including the card number, expiration date, and CVV code (usually a 3-digit code on the back of the card).
  5. Enter Amount:  Specify the amount of money you want to transfer from your prepaid card to your Cash App balance.
  6. Review and Confirm: Double-check all the details you've entered for accuracy. Once everything looks good, tap the button to confirm the transaction.
  7. Verify (if prompted): Cash App might ask you to verify the transaction using your PIN or fingerprint (depending on your phone's security settings).

Be aware that there might be fees associated with refilling your prepaid card with cash at the store and also for transferring funds to Cash App. It's wise to check the fees for both services beforehand.

However, paper money deposit in Cash App cannot exceed $1000 weekly and $4000 monthly. But not all Cash App users have access to Paper Money deposit feature and so, ensure to also have the latest version of the app before adding money without debit card to avoid any errors.

5.  Add Money To Cash App Through Mobile Check Deposit

You can add money to Cash App using the mobile check deposit option. With this option, you will be required to snap a picture of both the front and back of the check and deposit it using your Cash App. This process reduces the stress of going to the bank to deposit the check.

To do this,

  1. Open Cash App: Launch the Cash App on your smartphone.
  2. Banking Tab: Look for the "Banking" tab or icon (it might resemble a building icon). Tap on it to access the banking features.
  3. Checks Option: Within the Banking section, you should see an option for "Checks" or "Deposit Checks." Tap on this to proceed.
  4. Verify Eligibility (if needed): In some cases, Cash App might prompt you to verify your identity before allowing mobile check deposits. Follow the on-screen instructions to complete verification if required.
  5. Enter Check Amount:  Carefully enter the exact amount of money written on the check.
  6. Endorse Check:  Before taking pictures, flip the check to the back and write "For Cash App Deposit Only" along with your signature on the endorsement line.
  7. Take Check Photos: Cash App will guide you through taking clear photos of both the front and back of your check. Make sure all corners of the check are visible and there's no glare on the image.
  8. Confirm Details:  Once you've captured clear photos, review the check amount and image previews for accuracy. Confirm everything is correct before proceeding.
  9. Submit Check:  Tap the button to submit the check for deposit. Cash App will display a message with an estimated processing time (usually 1-3 business days).

For your check to be validated, Cash App will required you to cancel the check by drawing an X-line across the  front part of the check and snap it and send, as proof that you have already cash out the check and its can't be used again somewhere else.

Related post: How To Send Money To Someone Without A Bank Account

What Is Cash App and How Does It function?

Cash App is a peer-to-peer financial services platform that allows its users to send, save and invest their money in businesses like Bitcoin, using their mobile devices. Cash app uses encryption and fraud detection technology to ensure that all information and transactions through it remain confidential and secured.

You can used the Cash App to send and received money from friends. You can also received payments from client through the app. 

What Are The Transfer Limits On Cash App?

Cash App imposes transfer limits to ensure account security and comply with financial regulations. These limits vary depending on whether your account is verified and the specific type of transfer (sending, receiving, or depositing).

With Cash App, you can transfer up to;

Here's a breakdown:


Verified Accounts: For verified accounts (using full name, SSN, and DOB), the sending limit is $7,500 per week.

Unverified Accounts: Unverified accounts have a much lower limit of $1,000 in any 30-day period.


Verified Accounts: Verified accounts generally don't have a receiving limit. You can receive any amount as long as the sender's account is in good standing.

Unverified Accounts: Unverified accounts are limited to receiving $1,000 in any 30-day period.

Cash App Cash Card:

ATM Withdrawals:

  • Daily: $250 maximum per day
  • Weekly: $1,000 maximum per week
  • Monthly: $1,000 maximum per month (may vary depending on your account history)
  • Swiped Purchases: Generally follows standard card network limits (usually around $3,000 per day).

What Is The Relationship between Bitcoin And Cash App?

Bitcoin is a kind of cryptocurrency money. You can buy and sell bitcoin using Cash App. Bitcoin integrate with Cash App through a lightning network to facilitate bitcoin trading.

You can instantly send bitcoin using $Cashtag on Cash App.  

Related Post:

How to add money to Cash App without Card

Final Thoughts 

Cash App is a peer-to-peer payment app that allows you to send and receive money with friends and family through your android or iPhone without necessarily having physical cash as hand

You can add money to Cash App without necessarily using a debit card through any of the means below;

  1. Through external bank account
  2. In-store using barcode
  3. Requesting from friends 
  4. Mobile check deposit
  5. Through online platforms; PayPal

Cash App is a secured and safe way to transfer money and also in carrying out online shopping.

Cash App itself is only available in the United States and the United Kingdom. This means features like sending money between people, adding funds, and cashing out only work within these two countries.

However, there is a perk!  You can use the Cash App debit card (Cash Card) to make international transactions in most countries. There are some exceptions, including places with ongoing sanctions or political instability.