Cash App is one of the best alternatives to traditional banking and money transfer methods. What makes this app great is that you can use it to safely and securely send and receive money from anyone in little to no time, saving you the hassle of carrying cash and change all the time!
Not only that, but the app also works with different types of bank cards to make transactions a lot easier.
But are there prepaid cards that work with Cash App?
No, Cash App doesn’t support prepaid cards, but exemptions are supported on government-issued cards, and even then you can only use them to send money to others and cannot deposit money in your account.
However, Cash App supports a wide range of bank cards, such as debit and credit cards.
If you want to find out more about the type of cards accepted by Cash App and how you can connect them to the platform, keep reading this guide!
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Do Prepaid Cards Work with Cash App?
When it comes to prepaid cards, there aren’t many options that work with Cash App. In fact, Cash App only accepts a specific type of prepaid card, which is government-issued prepaid cards.
However, other types of prepaid cards like PayPal cards are not accepted by Cash App. this also includes prepaid cards that you buy online or in person.
Even then, you can only use the government-enabled prepaid cards to do limited things. For example, you can use a prepaid card to create an account on the Cash App Platform.
Additionally, you can send money to someone through Cash App using your prepaid card. With that said, you can’t use prepaid cards, even the accepted ones, to deposit money in your account or cash out your Cash App wallet to the card.
In other words, even though you can connect a government-enabled card to your cash app, it can only be used for opening accounts and sending money to others, so it misses out on the rest of the Cash App features.
In addition to prepaid cards, Cash App also doesn’t accept ATM cards, business debit cards, and PayPal cards as of the date of this guide.
What Are the Cards that Cash App Accepts?
Cash App accepts several types of cards, although the level of functionality varies depending on the type of card.
For starters, the most widely supported type of cards that Cash App accepts is debit cards and credit cards from the following vendors:
- Mastercard
- Visa
- American Express
- Discover
However, as previously mentioned, business debit cards are yet to be accepted by Cash App. This also applies to debit cards issued by PayPal and bank cards that can be only used in ATMs for withdrawal and deposits.
Why Does Cash App Accept Very Limited Number of Prepaid Cards?
The reason why prepaid cards aren’t supported by Cash App is that these cards aren’t usually built with the same level of security and authentication systems are debit and credit cards, unlike debit and credit cards, which are linked to established banks accounts.
Additionally, they’re not directly connected to a bank account, so there aren’t reliable methods to track and log all the transactions that are made by them, especially when they’re used for illegal transactions.
To avoid their limitations and drawbacks, Cash App limits the number of prepaid cards it supports to only the ones issued by the government.
Besides being backed by the government, they’re used to receiving different types of government payments, such as unemployment benefits and relief funds.
Can I Use Cash App Without Having a Bank Account?
Cash App users don’t necessarily have to link their bank accounts in order to use the app, which is a great thing for those who don’t want to link their account to a third-party application or don’t have one.
However, without linking your bank account to Cash App, you’ll face some limitations or restrictions on many features.
Although you can still send and receive money through the app without a bank account, you still need a bank account to verify your account.
An unverified Cash App account is allowed to send up to $250 in a 7-day period and receive a maximum of $1,000 in a 30-day period. Upon verifying, you can increase these limits substantially.
Also, you won’t be able to use Cash App for Business without a verified account. In addition to linking your bank account, you’ll also need to provide the following for verification:
- Your full name
- Your date of birth
- Last 4 digits of your Social Security Number.
How to Connect Your Bank Account with Cash App
If you want to use bank cards with your Cash App account, you’ll need to verify your account by linking it. Luckily, Cash App made the process pretty simple, so here’s what you need to do:
1. Log in to Your Cash App
Start by opening the app and logging in to your Cash App account. If you haven’t created an account yet, you’ll need to have access to a phone number or email address for registration.
You’ll receive an authentication code on your email or phone to complete the signup process, then press “Next”.
2. Navigate to the Linked Banks Tab
The profile icon is found on the home screen. Open it, then choose the linked banks tab, then hit “Link Bank”.
3. Link Your Bank Account
The app will request several details about your bank account. Follow the prompts provided by the app to link your bank account, then click “Done” to finish the linking process and save the changes.
Final Thoughts
There you have it! A quick guide that provides you with information about prepaid cards that work with Cash App.
As you can see, only one type of prepaid card is currently supported by Cash App, and there’s not much you can do with it.
On the other hand, having a fully supported bank account or debit card makes it much easier to send, receive, and deposit money into your Cash App account directly.
