Block Inc. Cash App is a reliable payment app to send and receive money without leaving any room for any kind of hesitation.
You just need to download the app, and connect it with your phone number, email address, and bank account to start using the Cash App account.
However, they will require your Social Security Number. Why is that?
Cash App requires your SSN and ID and personal information to verify the account – Cash App is a money transfer service regulated by the federal government, it is required by the USA PATRIOT Act to implement a Customer Identification Program to verify the identities of users making transactions.
This is to protect your account and your information. Cash App is also forced to collect this info by the government under the patriot act.
- Do you need a Social Security Number for Cash App?
- Why does Cash app ask for ID?
- Requirements to Open a Cash App Account
- Payment Limitation
- Can you use Cash App without SSN?
- How to send money on Cash App without SSN social security number?
- How to verify Cash App without SSN?
- How does Cash App keep my account safe?
Yes, Cash App needs your SSN and demands users to verify their identity in order to keep Cash App neat and clean from fraud and scams as a part of its comprehensive approach to keep the platform safe.
As a certified payment app, Cash App prompts its users to verify their accounts. The verification process will prompt users to share their SSNs. Your SSN is required and an important part of Cash App verification.
Another reason is that to use Cash app, you need to be at least 18 years of age. It is mandatory for the user to put in their SS ID and identification in order to prove that they are 18 years of age and also to ensure the full proof of identity of users.
Cash App is a money and payments investment platform. They are required by law to collect KYC & AML from all their customers. These days pretty much all the payment or finance-related legit apps require SSN for verification and security.
Why does Cash app ask for ID?
Cash App is asking for your ID for Identity Verification since Cash App is a money transfer app, which is bound by federal law. According to the USA Patriot Act, the payment processor Cash app must collect information of its users to verify their identity.
Requirements to Open a Cash App Account
While signing up for a Cash App account, it will ask for all your personal details and provide information such as your full name, text-enabled mobile phone number, e-mail ID, zip code, street address, a state-issued form of identification, date of birth, and your social security number (SSN).
Basic Cash App allows to send up to $250 in a 7-day period, and receive up to $1,000 over a 30-day period.
However, Once you’ve verified your Cash App after providing information such as your Social Security Number, a state-issued form of identification along with others which can send up to to $7,500 per week and receive an unlimited amount.
It’s not just you and there are many people who are reluctant to give their Social Security number to the app. Yes, Frankly speaking, with the many reports of misuse of personal information and data related to account holders, people aren’t just keen to share their SSN.
Can you use Cash App without SSN?
Yes, you can still use Cash App without SSN. However, If you don’t have an SSN, you won’t be able to complete identity verification limiting you to the full features of the app such as – lower sending and receiving limit, Apply for Cash App Card, Investing Features, etc.
If you really don’t want to share your SSN, you can still use Cash App but with limited features of the app.
Square Cash App without SSN will make you an unverified Cash App user. And being an unverified Cash App user further means that you cannot get the fullest advantages of the Square Cash App. Let me explain in the simplest way.
If you are an unverified Cash App user, you are limited by just a few actions that you can do. You can still create an account, add a bank account along with a debit and credit card. You can still send, receive, store, and even request money to and from other Cash App users.
However, all the above features will be available with limitations. For instance, an unverified user can only send up to $ 250 in a week and receive only $1000 in a month.
You also won’t be able to order and activate the Cash App card, get an instant tax refund, enable direct deposit, and get paid through your stimulus and salary paychecks directly to your wallet. Other benefits such as Bitcoin & Stock Trading will also be limited.
To get access to the above features, you need to successfully clear the verification process on Cash App by sharing SSN along with a few other more information.
You can also send and receive money on Cash App without SSN.
Steps to send money on Cash App without SSN:
- Open the Cash App on your mobile device.
- Click on the $ icon located at the bottom of the screen.
- Type in the amount you want to send.
- Enter the Email, Phone, or $CashTag of the receiver.
- Provide a brief memo of the transaction.
- Click on the Pay button, and authenticate the payment with a PIN or Fingerprint.
How to verify Cash App without SSN?
Unfortunately, there is no way to verify your account without SSN.
If you head to your profile section and then further get into the personal tab, Cash App will prompt you to provide your billing address, date of birth, contact details, and SSN.
So, basically without providing your SSN, it is not possible to verify your identity on Cash App.
How does Cash App keep my account safe?
If you are afraid of hackers leaking your data, according to Cash App, it uses cutting-edge encryption and fraud detection technology to keep your data and money safe and secure.
All the information and data you submit will be encrypted and sent to their servers securely, regardless of whether you’re using a public or private Wi-Fi connection or data service (3G, 4G, or EDGE).
>> Related read: How to Add Money to Cash App Card?
It also uses the same fraud detection infrastructure and safety standards that constantly monitor millions of daily Square Point of Sale transactions.
Another thing to note is that there is no such thing as a free SSN for Cash App. It’s another query that keeps popping up in public forums. There can only be one SSN per individual.
Sorry to say, but SSN is required if you wanna verify your account and get access to all the features the app has to offer.
As mentioned above, You also can’t send large amounts of money with an unverified Cash App account and has a sending limit in a 7-day and 30 day period, regardless of whether that’s in one lump sum or spread out over myriad transactions.
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