How to Use Cash App at ATMs: Fees, Limits, and the Cash Card Advantage
Cash App, developed by Block, Inc. (formerly known as Square, Inc.), has completely changed how people manage money on the go. With a clean and intuitive interface, Cash App lets users send and receive money, set up direct deposit, invest in stocks or Bitcoin, and even access funds through a free Visa debit card—the Cash Card.
Among its most convenient features is the ability to withdraw money from ATMs using the Cash Card. But to get the most out of these withdrawals, users should understand the associated fees, limits, and how to avoid extra charges.
Let’s explore everything you need to know about using Cash App at ATMs, how direct deposit plays a role, and how to reduce or eliminate ATM fees.
Accessing Cash: ATM Withdrawals Made Easy
One of the biggest advantages of Cash App is how easily it integrates digital finance with real-world needs. With the Cash Card, users can walk up to an ATM and withdraw physical cash just like they would with a traditional debit card.
This option is ideal for people who need to pay with cash or access emergency funds while still managing money digitally.
Understanding ATM Fees with Cash App
Using your Cash Card at an ATM is simple, but not always free. Here's how the fee system works:
Cash App charges a $2.50 fee per ATM transaction.
Additional charges may apply depending on the ATM operator. These are commonly referred to as out-of-network fees and vary by machine or bank.
So, if you withdraw money from an ATM that also charges $3, your total fee could end up being $5.50 or more for a single withdrawal.
While these fees may seem small, they can add up quickly if you're making frequent withdrawals. Thankfully, there’s a way to eliminate these charges entirely.
How to Get Free ATM Withdrawals on Cash App
Cash App rewards users who set up direct deposit with valuable perks—one of which is ATM fee reimbursement. If you're using Cash App for your paychecks or recurring income, you can qualify for fee-free access.
Here’s how it works:
Direct Deposit Requirement: Receive $300 or more in direct deposits in a 31-day period.
Fee Reimbursement: Once this threshold is met, Cash App will reimburse you for up to three ATM withdrawals per 31 days.
Out-of-Network Coverage: Even if the ATM is out of network, you'll get one reimbursement per 31-day period for those charges.
This makes Cash App a viable replacement for traditional checking accounts, especially for those who want flexibility without being tied to a brick-and-mortar bank.
Finding ATMs Compatible with the Cash Card
Cash App doesn’t provide a built-in ATM locator, but the Cash Card works at any ATM that accepts Visa—which means almost all ATMs. However, knowing which ones are in-network (or less likely to charge extra fees) can save you money.
Here are a few ways to identify ATMs that work best with your Cash Card:
ATM Locator Tools: Many third-party websites and apps allow you to search for low-fee or fee-free ATMs nearby.
Look for Network Logos: ATMs with network logos like Allpoint, Pulse, or Plus are often compatible with many prepaid and digital banking cards.
Avoid Foreign ATMs: While international ATMs may accept Visa cards, Cash App’s service is officially U.S. and U.K.-based, and foreign ATM withdrawals can trigger high fees and currency conversion charges.
Setting Up Direct Deposit in Cash App
To unlock free ATM withdrawals, you’ll need to set up direct deposit in your Cash App account. Here's a quick guide:
Open the Cash App and go to the Banking tab.
Tap on Direct Deposit or Account & Routing Numbers.
Copy your routing number and account number.
Provide these details to your employer or benefits provider.
Once deposits begin arriving regularly and you reach the $300 threshold, your account will automatically qualify for ATM reimbursements.
Cash App Withdrawal Limits: What You Should Know
Just like any debit card, Cash App’s Cash Card comes with withdrawal limits for security and fraud protection.
Here’s what you’re allowed to withdraw:
$250 per transaction
$250 per 24 hours
$1,000 per 7 days
$1,250 per 30 days
These limits apply until your account is verified. Once verified, Cash App may increase your withdrawal and sending limits. If you’re planning large withdrawals or need frequent access to cash, completing identity verification is highly recommended.
How to Withdraw Money from an ATM Using Cash App
The process of withdrawing money with your Cash Card is straightforward. Follow these steps:
Insert your Cash Card into any ATM that accepts Visa.
Enter your Cash Card PIN.
Select Withdrawal.
Enter the amount you’d like to withdraw.
Take your cash and receipt.
Before you withdraw, make sure your Cash App balance is sufficient to cover both the withdrawal amount and any applicable fees.
Ordering and Activating the Cash Card
If you haven’t already ordered your Cash Card, here’s how to get one:
Open Cash App and tap the Cash Card tab.
Tap Get Cash Card and choose a design.
Confirm your address and identity.
Your Cash Card will be delivered within 10 business days.
Once you receive your card, activate it through the app by entering the CVV number and expiration date, or scanning the QR code included in the package.
You can also customize your card with different colors, signatures, and emojis during the ordering process—making it not just functional, but fun to use.
Final Thoughts
Cash App has made money management incredibly accessible and flexible, especially for those who prefer mobile-first banking. With the Cash Card, you’re not limited to digital transactions—you can access physical cash when needed, just like you would with a traditional bank card.
However, understanding the fees, limits, and benefits of direct deposit is essential to get the most out of your Cash App experience. By setting up direct deposit and using your Cash Card wisely, you can enjoy free ATM withdrawals, better account access, and fewer out-of-pocket expenses.
For anyone looking for a modern banking solution that fits in their pocket, Cash App continues to be a strong and growing option.
