How to Get Money Off Cash App: Step-by-Step Withdrawal Guide

Whether you just got paid via Cash App, sold something, or received money from friends, the big question is always: “How do I actually get my money out?” This guide covers every official and safe way to withdraw money from Cash App in 2025 — including free standard transfers, Instant transfers, Cash Card ATM withdrawals, limits, fees, delays, and troubleshooting.

TL;DR (Too Long; Didn’t Read)

• Free way (1–3 business days): Cash Out → Bank Account → Standard (no fee)
• Fast way (instant): Cash Out → Instant Transfer → 0.5%–1.75% fee (min $0.25)
• ATM: Use free Cash App Card → $2–$2.50 ATM fee (reimbursed if you have $300+ direct deposit)
• Daily limit: $25,000 per day / $50,000 per week for most verified users
• Having issues? Force close app, check internet, update app, or contact support

Now let’s dive into every method with screenshots-style instructions.

1. How to Cash Out to Your Linked Bank Account (Standard – Free)

This is the most popular and cheapest method.

Step-by-Step:

1. Open Cash App on your phone (green icon with white $).
2. Tap the $ balance at the top-left (or the “Banking” tab on the bottom for newer versions).
3. Tap “Cash Out”.
4. Enter the amount you want to withdraw.
5. You’ll see two options:
   • Standard (1–3 business days) → FREE
   • Instant → Fee shown (usually 0.5%–1.75%)
6. Choose “Standard”.
7. Select your linked bank (or link a new one if needed).
8. Confirm with your PIN or Touch ID/Face ID.

Done! You’ll get a confirmation and the money usually lands in 1–3 business days (often next day if you cash out before 7 PM ET).

Pro tip: Weekends and holidays don’t count as business days.

2. Instant Transfer to Bank or Debit Card (Same-Day, Costs a Fee)

Need money today? Use Instant transfer.

Step-by-Step:

1. Tap “Cash Out” (same as above).
2. Enter amount.
3. Choose “Instant” instead of Standard.
4. Select either:
   • Linked debit card (Visa debit only – arrives in minutes)
   • Linked bank account (arrives in minutes, but some banks delay it)
5. You’ll see the exact fee before confirming (example: $100 instant = ~$1.50 fee).
6. Confirm.

Most users report money hitting their debit card in under 10 minutes.

Note 2025: Cash App now supports instant transfers to most major banks (Chase, Bank of America, Wells Fargo, etc.) — not just debit cards.

3. Withdraw Using the Cash App Card (ATM or In-Store)

The free Cash App Visa debit card (“Cash Card”) lets you spend or withdraw cash anywhere Visa is accepted.

How to Order Your Cash Card (if you don’t have one):

1. Tap the Card tab (second from left).
2. Tap “Get Free Cash Card”.
3. Choose color/design → Continue → Enter mailing address.
4. Card arrives in 7–10 business days (or boost to 3–5 days for $5).

Withdrawing at an ATM:

1. Insert or tap your Cash Card.
2. Enter PIN (set in app under Cash Card → Set PIN).
3. Withdraw cash.

Fees:

• Cash App charges $2.50 per ATM withdrawal
• The ATM owner may charge an additional $2–$4
• If you receive $300+ in direct deposits monthly, Cash App reimburses ALL ATM fees (unlimited)

Withdrawing at Stores (Cash Back):

Go to Walmart, Dollar General, CVS, etc. → Buy something small → Ask for cash back (up to $50–$100 depending on store). Usually free.

4. Current Cash App Withdrawal Limits (2025)

To verify identity (removes most limits): Settings → Personal → Enter full name, DOB, SSN last 4 → Sometimes full SSN required.

5. Common Delays & How to Fix Them

Quick troubleshooting checklist:

• Update Cash App to latest version
• Force close and reopen app
• Switch between Wi-Fi and cellular
• Log out and back in
• Clear app cache (Android) or offload app (iPhone)

Still stuck? Tap profile icon → Support → Chat or call 1-800-969-1940.

6. Alternative Options (When Official Methods Are Slow)

Sometimes banks block or delay Cash App transfers (especially newer or online-only banks).

One workaround used by many power users in 2025: Use a third-party swap service like baltex.io to instantly exchange your Cash App balance for USDT, PayPal, Venmo, or another bank without waiting 1–3 days and often with lower fees than Instant transfer. (Use at your own risk and only trusted platforms.)

Frequently Asked Questions (FAQ)

Q: Can I withdraw Cash App money without a bank account? A: Yes — order the Cash Card and use ATMs or cash-back at stores.

Q: Why is my instant transfer taking hours instead of minutes? A: Some banks (especially credit unions) place holds. Try a Visa debit card instead.

Q: Does Cash App report large withdrawals to the IRS? A: Cash App sends a 1099-K if you receive >$600 in business/goods payments in a year.

Q: Can I cash out to someone else’s bank account? A: No. Money can only go to banks or cards linked under your verified name.

Q: Is there a way to get money off Cash App with no fees and instantly? A: Not officially. The only truly free method is Standard (1–3 days). Some users use peer-to-peer swaps, but that carries risk.

Final Thoughts

Withdrawing money from Cash App is straightforward once you know the options:

• Need it free and can wait? → Standard transfer
• Need it today? → Instant (small fee) or use your Cash Card at an ATM/store
• Want unlimited free ATM withdrawals? → Set up $300+ monthly direct deposit

Follow the steps above and you’ll never be stuck with money “trapped” in Cash App again.

Have a specific withdrawal issue not covered here? Drop it in the comments — happy to help!

Last updated: November 2025 — all limits and fees confirmed current as of this date.