If you use Cash App and wondering on the question if you can send money to Cash App without Cash App, this post will be helpful to know if this is possible and what are the ways and steps involved to get you there. Cash App is a peer-to-peer payments app from Square Inc. that makes it easy to send, receive money and make your daily payments.
The question may be peculiar, but the answer is not. You can send money to your own Cash App account, even without using Cash App. We will cover a few ways to do this, but you will need the Cash App card.
But if you are looking to send money to someone else’s Cash App account, it is not possible at least directly. Cash App supports payments only to users within its ecosystem. But there are some indirect ways.
How to Send Money to Cash App without Cash App?
You can send money to Cash App from Apple Pay and Venmo wallets, by way of instant transfer, if you have linked the Cash App Card in these payment wallets.
Let’s look into the details and steps to do this.
Sending money to Cash App from Apple Pay
Another way you can send money to Cash App without using Cash App itself is by using Apple Pay.
If you have a Cash App Card, you can link it to your Apple Pay wallet. For this, you can check our guide on how to link your Cash Card and transfer money from Apple Pay to Cash App.
Whenever you want to send money to Cash App, you can do an instant transfer from your Apple Cash balance to your Cash Card using only Apple Pay. Apple Pay again charges instant transfer fees of 1.5% of the transfer amount (Maximum $15)
You can add Cash App as a bank account in Apple Pay, by linking your Cash App routing number and account number. But to get these details on Cash App, you still require the Cash Card without which you don’t have any access to any routing or account number. (Note: In case you still find a situation, you can refer to this post on how to address Cash App Routing not working issue)
Sending Money to Cash App from Venmo
If you have Cash App Card, you may be able to add this card to Venmo, as it is compatible and Venmo supports linking the Cash App Card.
You can check the complete guide with all the steps on how to link Venmo with Cash App and transfer money from Venmo to Cash App. This way you can send money to Cash App using only the Venmo app, without requiring access to Cash App.
Venmo allows you to link up to 5 debit cards. You can then send money to Cash App from your Venmo balance by cashing out.
Do note that if you transfer money to Cash App using instant transfer on Venmo, it is subject to a fee of 1.75% of the transfer amount (with a minimum fee of $0.25 and a maximum fee of $25).
But this method is instant, so it works when you are using it in those urgent situations.
So you can use either of the above ways to send money to the Cash App without having access to it, using the payment wallets. You do need the Cash Card which acts as a link to complete the process of sending money to Cash App without Cash App.
How to Send Money to someone else’s Cash App without Cash App?
Now, let’s talk about ways in which you can transfer money to someone else’s Cash App account without Cash App.
To reiterate, this is not possible directly, but let’s talk about the indirect routes.
Use Zelle to send money to a person’s bank account linked with Cash App
You can use Zelle to send money to a person’s bank account which they have linked with Cash App.
For this method to work,
- Both you and your friend must have Zelle Account
- Your friend to whom you want to send money should have the same bank account linked with Zelle as well as Cash App.
Since Cash App allows you to link a bank account or bank debit card with Cash App, sending money to a person’s linked bank account can help them access the same using Cash App. Once they have the funds in the bank account, they can pull the funds from the bank account to add to their Cash App balance or even directly use the bank account to make a payment via Cash App.
So in such cases, sending money to a person’s bank account linked with Cash App is in a way funding their Cash App account.
Using Apple Pay to send money to a person’s Apple Pay account linked with Cash App
Another way you can use to send money to your friend’s Cash App without Cash App is by using Apple Pay.
For this method to work,
- Both you and your friend need to have access to Apple Pay with Apple Cash (default wallet card)
- Your friend needs to have his Cash App Card linked in Apple Pay
Using Apple Cash, you can transfer money to your friend instantly. This can then be cashed out by your friend from Apple Cash to his Cash App Card
To transfer money from your Apple Cash to your friend’s account
- Open the Messages app on your iPhone, then start a new conversation or tap an existing one.
- Tap the Apple Cash button
. If you don’t see the Apple Cash button, tap 
first. - Enter the amount you want to send.
- Tap Pay, then tap the Send button to review or cancel the payment.
- Confirm your payment with Face ID, Touch ID, or your passcode.
Wrap Up
It does seem to be a tedious process to send money to Cash App without Cash App access, but it’s possible with many ifs and buts. There are many hoops to jump over so it may not work for all, but you can use the ways above to get the job done if there is no other option. Hope this post was helpful in navigating the issue and deciding the best solution.
