Cash App for Teenager 13+ Set Up Cash App for Minors 2023 ✅

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Wondering about Cash App for teenager restrictions and benefits? Find out here.

Cash App can now be used by teenagers. Square announced that people over 13 years old can use the app to spend or send money to friends. Minors above 13 can now use Cash App but they will still need to get their guardian’s permission with limited Cash App features such as investing or using Bitcoin.

Nowadays, people don’t have the time to waste standing in long bank queues just to transfer money, so it’s no surprise that money transfer applications are on the rise. 

Cash App for Teenager

Read: How to Get Cash App Card Under 18, 17, 16? 

Can I Open Cash App for My Teenager?

Yes, you can certainly create an account for your teenager on Cash App, thanks to the service’s updated policy. As of November 2021, US residents aged 13 and up can utilize this popular payment service!

You can get a Cash App account if you are 13.

As a parent, you may be understandably concerned about your kids’ spending habits. After all, handing your teenage daughter or son your credit card or giving them unrestricted access to your bank account is a recipe for disaster!

This is where Cash App comes into play, allowing teenagers to send and receive money securely with its streamlined interface and various features.

How to Create an Authorized User Account

Creating an under-18 account on Cash App’s pretty straightforward. Just follow these steps:

  1. Download Cash App from Google Play or Apple App Store.
  2. Provide an email address or a phone number to receive a verification code.
  3. Input your debit card details or your guardians if you’re under 18 and are signing up for an authorized user account yourself.
  4. Create a cashtag (Cash App username) and add your zip code.
  5. Initiate the authorization process by requesting a Cash App Card or issuing a peer-to-peer transaction. 
  6. Approve the request if you’re setting up the account for your teen or wait for your guardian to do it.

Restrictions on Minors’ Accounts

To protect their underage users, Square put some restrictions on minors’ accounts. Here are some things you should keep in mind before signing up for a Cash App under 18 accounts:


To enable guardians to authorize transactions and act as the legal owners of their children’s accounts, Cash App considers anyone younger than 18 an authorized user, not the account’s owner. This allows guardians to approve or reject transactions and adds an extra layer of security to the service.

Cash App’s cards for teenagers are also a bit different when it comes to rules. Once an underage user requests a Cash App card, a prompt will pop up, asking them to verify their identity. Since the user, in this case, is younger than 18, Cash App will request that they provide their guardian’s name, cashtag, email address, and phone number.

Keep in mind that your child won’t be able to use the service unless you have a verified account and a Cash App card, as the authorization requests can be approved only through your account. So, if you’re not already a Cash App user and want your teenager to sign up for an account, you need to give it a go yourself first!

Blocked Features

Unfortunately, minors can’t benefit from all Cash App’s various features. Blocked features include stock investments, Bitcoin payments, cross-border transactions, and borrowing. So, you’re out of luck if you were planning to hop onto the Bitcoin wagon at just 15!

Square also prohibits minors from using their Cash App accounts or cards to pay for specific services or authorize transactions at some merchant types like nightclubs and bars, hotels, dating apps, and car rentals. In addition, underage users can’t leverage Cash App services to gamble or participate in the lottery.

On the other hand, Cash App allows underage users to access its “safer” services.

For example, authorized users can use their Cash App account to send and receive payments inside the United States, withdraw cash from ATMs, deposit money, add funds to their Cash App accounts, and request cashouts to their guardian’s custodial or joint accounts. 

Account Termination

Since Cash App considers guardians the actual owners of authorized users’ accounts, they’re entirely free to terminate or pause their children’s accounts at any time.

Additionally, parents can request monthly statements of the authorized users’ transactions for review. Legal owners also have the right to dispute payment on behalf of authorized users by contacting Cash App’s customer support.

Cash App Benefits

Here are a few benefits of the app.

No Hidden Fees

Online payment systems are notorious for charging their users either monthly or annually. If this is something you want to avoid, rest assured that Cash App is a zero-fee service as long you use its basic unblocked features.

You also don’t have to pay out-of-pocket inactivity expenses if you’re not a regular user.

Customizable Cards

Once you set up your under-18 account, you can request a Cash App card, which functions as a standard debit card. However, did you know that you can customize it?

That’s right! You can choose your Cash App card’s color, adorn it with stamps, or even choose to make it glow in the dark. Neat, right?

Amazing Discounts

As a Cash App card owner, you can pick from various boosts on the application. These boosts allow you to get discounts at different merchants.

The great thing is that you can change your boost whenever you like; the sky’s truly the limit! To sweeten the pot, Cash App also gives users $5 for every new account created with their referral code!

Final Words

This is especially the case for Square’s Cash App, which has been around since 2013. Thanks to the plethora of features it provides, it has gained 70 million users – definitely not a number to scoff at!

However, you might’ve noticed that you can’t use all of Cash App’s functionalities unless you’re 18 or older. So, you might be asking yourself, “can I use Cash App if I’m under 18?”. And if you’re a parent, you may be questioning the same. 

If you want your teen to have an easy way of sending and receiving money or a debit card they can use at a wide range of merchants with no fuss, you really can’t go wrong with setting up a Cash App for a teenager account!

Just keep an eye on your own account to authorize transactions when needed and review their activity.

Laurens Yarpei

Hi! I'm Laurens Yarpei, your go-to fintech expert with a passion for Cash App. Laurens graduated from the Adelphi University and the website has been Featured in Tribune, Republic World, Guardian NG, Zee News, Outlook, reaching financial independence at the age of 20s. He writes about personal finance, P2P Apps, investing, entrepreneurship, and mindfulness. Twitter, Facebook, YouTube , Pinterest. Linkedin

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