Cash App ATM Withdrawal: Is There A Free ATM For Cash App?

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If you’re using Cash App, you might be wondering if it’s possible to withdraw money from ATMs, and if so, whether it’s free.

Cash App is widely known for its ease of transferring money between accounts, but many people don’t realize they can also withdraw cash from ATMs using their Cash App card. The Cash App card is issued by Visa, which means it works just like a regular bank card and can be used at any ATM that accepts Visa.

Is Cash App ATM Withdrawal Free?
So, can you withdraw money from ATMs for free with your Cash App card? Unfortunately, the answer is no—there are no totally free ATMs for Cash App withdrawals. You’ll typically pay a fee to use your Cash App card at an ATM.

However, there are ways to avoid or reduce these fees. Let’s take a look at some methods to get cash from ATMs without paying those pesky fees.

What’s the ATM Withdrawal Fee for Cash App?

Using your Cash App card at an ATM generally costs you a $2 fee per transaction. On top of that, the bank whose ATM you’re using will charge an additional fee of $2–$3, depending on the bank. While this may not seem like much per transaction, those fees can quickly add up if you’re withdrawing multiple times throughout the month.

But don’t worry; there are ways to minimize or even eliminate these fees. Let’s dive into the options.

How to Get Free ATM Withdrawals With Cash App

Here are a few tricks to help you withdraw money for free—or at least lower the fees you have to pay:

Get Fee Reimbursement with Direct Deposit
One of the best ways to avoid ATM fees with Cash App is to set up a direct deposit of $300 or more per month into your Cash App account. If you do this, Cash App will reimburse the ATM fees you paid for withdrawals. This applies to things like unemployment insurance deposits as well. Here’s how you can set up direct deposit:
- Download the Cash App and sign up for an account (get a $5 bonus when you sign up!).
- Go to the “Banking” tab and find your routing and account number.
- Use these numbers for your employer or benefits provider.
- Alternatively, you can fill out a direct deposit form in the app.
Once you’ve set up direct deposit and start receiving qualifying payments, you’ll be able to get up to $7 back for each ATM withdrawal. You can make up to three withdrawals per 31-day period with this benefit.
Withdraw Money to Your Linked Bank Account
Another way to get around ATM withdrawal fees is to transfer your Cash App balance to your linked bank account. Once the money is in your bank, you can use your bank’s ATM for free. To link your bank to Cash App:
- Open the Cash App and click on your profile icon.
- Select “Link Bank” and follow the steps to add your bank details.
Once linked, you can withdraw money to your bank account using the standard (free) withdrawal method, which takes 1–3 business days. Then, you can withdraw from your bank’s ATM without paying any fees.
Use the Cash Card for Digital Purchases
If you’re someone who typically only needs cash for purchases, why not use your Cash App card to pay for things digitally instead? You can use your Cash Card anywhere Visa is accepted, including online stores, shopping malls, or restaurants. This eliminates the need for ATM withdrawals and avoids those annoying fees. Additionally, if you need to send money to someone, you can do it directly through Cash App. When you refer a friend to Cash App and they sign up using your code, you both get a $15 bonus!

Which ATMs Can I Use for Cash App Withdrawals?

Your Cash App card works at virtually any ATM that accepts Visa cards, even if you’re not a customer of that particular bank. However, expect to pay non-network ATM fees on top of the standard Cash App $2 fee.

Here’s a list of some popular banks and the ATM fees they charge for using your Cash App card:

Bank of America: $2.50
Chase: $2.50
Citibank: $2.50
Capital One: $2.00 (best option for lower fees)
Wells Fargo: $2.50
HSBC: $2.50

The fees can add up quickly, so if possible, try to find a Capital One ATM to minimize your withdrawal costs.

How Do I Withdraw Money From My Cash App Card?

Withdrawing cash from an ATM using your Cash App card is easy. Just follow these steps:

Insert your Cash App card into the ATM.
Enter your secret PIN when prompted.
Select the “cash withdrawal” option.
Enter the amount you want to withdraw.
Collect your cash from the ATM.
If you want a printed receipt, choose “Yes” when prompted.
Don’t forget to take your card after completing the transaction—some ATMs may hold onto your card during the process, so make sure to grab it before leaving.

Cash App ATM Withdrawal Limit

It’s important to be aware of the limits on Cash App withdrawals, as there are maximum amounts for daily and weekly withdrawals:

Daily withdrawal limit: $1,000
Weekly withdrawal limit: $1,000
Monthly withdrawal limit: $4,000

These limits apply to ATM withdrawals, so if you’re withdrawing a large amount, make sure to stay within these limits.

Pros and Cons of Using Cash App for ATM Withdrawals

Here are the key pros and cons to keep in mind when using your Cash App card for ATM withdrawals:

Pros:

Use it like any other debit card.
No need to carry cash.
Accepted at most places for online and in-person purchases.
ATM withdrawal fees can be reimbursed with direct deposit.

Cons:

You’ll pay a $2 fee for each ATM withdrawal.
Some banks charge extra fees on top of Cash App’s fees.
There’s a weekly ATM withdrawal limit of $1,000.

Final Thoughts

Cash App is a convenient tool for sending and receiving money, but if you need cash, it’s important to understand the fees involved with ATM withdrawals. While Cash App charges a $2 fee per transaction, there are ways to get this fee waived or reduced, like setting up direct deposits or transferring funds to your linked bank account. By following these tips, you can access your funds without worrying about extra costs.

Do you have any other tips for avoiding Cash App ATM withdrawal fees? Let us know in the comments!