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Can You Use Cash App without a Bank Account? Here’s the Answer

If you’ve ever tried to use Cash App to send or receive payments, you’d have been constantly bugged to add a bank account. This may create the view that it’s technically impossible to use Cash App without linking your bank account, but is that really the case?

There are a plethora of advantages to adding a bank account to your Cash App. It makes withdrawals possible, helps verify your account, simplifies funding your Cash App with your money, and is generally how Cash App is designed to work. However, not everyone wants to link their bank account to their Cash App.

In this article, I’ll answer the question: “can you use Cash App without a bank account?” In addition to that, you’ll learn about the potential limitations of using Cash App in this manner and why you should consider adding a bank account as soon as you create a Cash App account.

Can You Use Cash App without a Bank Account?

At the moment, you don’t need a bank account to get your Cash App account up and running. There are many requirements to having a working Cash App account, but your bank account isn’t one of them.

However, that doesn’t imply that a bank account is useless in the context of creating a Cash App account. Rather, skipping the part where you have to add a bank account to your account will only make you miss a lot of features that are crucial to the functionality of the Cash App.

If you think you’ll be fine with not being able to withdraw money from your Cash App account to your bank account, you don’t need to add a bank account. You should also note that adding a bank is one of the requirements for verifying your account, and if you don’t verify your account, you’ll face some serious limitations with Cash App.

If you want to know exactly how not adding a bank account will affect the functionality of the Cash App, you can continue reading. After showing you that, I’ll also show you how to use Cash App passably without having to add a bank.

Why Use Cash App with a Bank Account?

While I admit that a bank account is not needed for Cash App, I also can’t pretend that you should go around creating accounts without adding your bank. In my opinion, a Cash App account without a linked bank is almost useless because of the too many limitations.

If you don’t know what the limitations are yet, here are some that you’ll have to endure when you use a Cash App account without linking your bank.

  • Withdrawing cash

When you receive a decent amount of money, you may want to deposit it in your bank account to make it easy to withdraw it whenever you want to. However, Cash App doesn’t offer a feature that lets you send money to a bank account directly, at least not yet.

In the absence of such a feature, we have to rely on the cash deposit feature that Cash App provides to get money to our bank accounts. However, there’s only one way that the feature works: by adding your bank account beforehand.

If you notice, everything above is building up to one inevitable conclusion: you can only withdraw cash to your bank account by adding one beforehand. If you plan to withdraw cash to your bank account, you must add a bank account first.

  1. Funding your account

There are two ways to get money onto your Cash App account: receiving transfers from other Cash App users and funding your account using your bank account. Of the two, you’re more likely to want to get money to your Cash App account by funding it using your bank account.

Without linking a valid bank account with sufficient funds, it’s technically impossible to fund your account. While you can still use alternative methods to fund your account, what can be as convenient as asking Cash App to pull some money from your bank account whenever you run low?

  • Getting a Cash App card

In addition to depositing money to your bank account, there’s one other way to withdraw cash from Cash App, and that is using the Cash App card. The Cash App Card is a Visa card that Block Inc. issues to customers to enable them to make regular debit card transactions using funds from their Cash App account.

However, there’s a catch: you can only get the Cash Card if you have a verified Cash App account. Recall that one of the requirements for a verified Cash App account is adding a bank account. By implication, you’ll need to add your bank account to get the Visa debit card from Cash App.

That effectively blocks another option of getting cash from the Cash App without linking your bank account. However, that doesn’t mean you can’t find other workarounds to make using Cash App a bit more tolerable. The following section will show you some ideas.

Using Cash App without a Bank Account

While there are plenty of limitations associated with using Cash App without a bank account, you can use workarounds to get around them. It’s still possible to fund and withdraw money from your account as long as you’re willing to use backdoors that aren’t necessarily legal.

If you have a friend with a verified Cash App account, you can pay them and have them transfer a similar amount to you on Cash App. With regards to withdrawal, you can always transfer money to them and have them make the withdrawal request from their end.

To avoid stories that touch, you shouldn’t conduct money transactions with strangers, regardless of how trustworthy they seem. If you don’t have friends to help you out, it’s always better to find alternatives than to lose a hefty sum of money.

READ MORE: Can I Link Cash App to My Bank Account?


Adding a bank account to Cash App is one of Cash App’s recommendations for effective use of the app. It opens you to a new world of possibilities and removes a whole lot of features. If you don’t think it’s worth it, you can go on to use Cash App without a bank. 

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