In today’s fast-paced digital world, Cash App has emerged as a leading peer-to-peer payment solution, enabling users to send, receive, and withdraw funds with ease. One of the most frequently asked questions by users is about the Cash App ATM withdrawal limit and how to withdraw cash without incurring fees. In this comprehensive guide, we’ll uncover every detail you need to know to maximize your Cash App experience — from daily limits to fee waivers, and everything in between.

Understanding the Cash App ATM Withdrawal Process

Before diving into the limits and how to avoid fees, let’s briefly understand how ATM withdrawals work with Cash App.

Cash App issues users with a Cash Card, a customizable Visa debit card                                     that is linked directly to their Cash App balance. This card can be used at ATMs across the United States to withdraw funds.

However, using the card at an ATM typically incurs a fee unless you meet specific conditions to have it reimbursed.

Cash App ATM Withdrawal Limits in 2025

Cash App enforces strict limits on ATM withdrawals to ensure security and compliance. As of 2025, here are the standard withdrawal limits:

  • $310 per transaction
  • $1,000 per 24-hour period
  • $1,000 per 7-day period

These limits are subject to change based on account activity, verification status, and usage behavior. Verified users may have access to higher limits.

🔒 Tip: To increase your limits, make sure to verify your identity through the app by submitting your full name, date of birth, and the last four digits of your Social Security Number (SSN).

How to Withdraw Cash from ATM Using Cash App Card?

To withdraw cash from an ATM using your Cash Card, follow these steps:

  1. Locate an ATM that accepts Visa cards.
  2. Insert your Cash Card.
  3. Enter your PIN.
  4. Select “Checking” as the account type.
  5. Enter the withdrawal amount (keeping in mind your daily and weekly limits).
  6. Confirm the transaction.

It’s that simple — but what’s not so simple are the fees associated with ATM withdrawals.

Cash App ATM Fees: What You Need to Know

Normally, Cash App charges a $2.50 ATM fee per transaction. Additionally, the ATM provider may charge a separate operator fee, which can range from $1 to $5, depending on the location and ATM brand. This means that a single withdrawal could cost you upwards of $7, which can quickly add up.

How to Withdraw Cash for Free with Cash App?

Here’s where things get interesting. Cash App offers ATM fee reimbursement — but only if you meet certain conditions.

To withdraw cash for free, you must:

  • Receive $300 or more in direct deposits into your Cash App account each calendar month.
  • Once this requirement is met, Cash App will reimburse you for up to three ATM withdrawals per 31-day period.
  • The reimbursement covers both Cash App’s $2.50 fee and the ATM operator fee (up to $7 per withdrawal).

💡 Pro Tip: Set up direct deposit for your paycheck or government benefits to qualify for these reimbursements automatically.

How to Set Up Direct Deposit in Cash App?

Setting up direct deposit is a seamless process within the app:

  1. Open Cash App and tap on the “Money” tab.
  2. Tap “Direct Deposit”.
  3. Choose “Get Direct Deposit Form” or “Copy Account Details”.
  4. Provide your employer or benefits provider with your Cash App routing and account number.

Once your direct deposits total $300+ in a month, ATM withdrawal fees will start getting reimbursed automatically.

ATM Fee Reimbursement Timeline

When you qualify for ATM reimbursements, they typically reflect in your Cash App balance instantly after the withdrawal. However, in some cases, it may take up to 24 hours.

Reimbursement covers:

  • Up to 3 withdrawals
  • Up to $7 per withdrawal
  • Per 31-day rolling period

Ensure you don’t exceed the reimbursement limits — any withdrawals beyond the covered three will be charged normally.

Where Can You Use Cash App Card for ATM Withdrawals?

The Cash Card is accepted at any ATM that supports Visa debit transactions, including:

  • Bank of America
  • Wells Fargo
  • Chase
  • Citibank
  • 7-Eleven
  • Walgreens
  • CVS
  • and many more

While you have the freedom to use any ATM, choosing fee-free ATMs or partner networks can help you save even more if you haven't met the direct deposit requirement.

How to Check Your ATM Withdrawal Limits in the App?

To stay within your limits, monitor your ATM activity:

  1. Open Cash App.
  2. Tap the “Activity” tab.
  3. Scroll through your transactions to view ATM withdrawals.
  4. Tap any transaction for details on fees and reimbursements.

You can also view your limits under the “Cash Card” settings inside the app.

Troubleshooting Common ATM Withdrawal Issues

Users occasionally report issues when withdrawing cash. Here are some common problems and how to resolve them:

  • ATM declined your transaction? Ensure your balance covers both the withdrawal and potential fees.
  • Exceeded daily limit? Wait 24 hours before trying again.
  • Reimbursement not received? Check if you met the $300 direct deposit threshold and are within the 31-day rolling period.
  • PIN issues? Reset your Cash Card PIN directly in the app under “Cash Card” settings.

Can You Withdraw Cash Without ATM?

Yes, you can access cash even without an ATM by:

  • Transferring money to a linked bank account and withdrawing it from your bank’s ATM.
  • Using your Cash Card to make a purchase and request cash back at a point-of-sale terminal (like at Walmart or grocery stores).
  • Send funds to a friend and have them withdraw on your behalf if necessary.

Cash App ATM Withdrawal Strategies for Smart Users

Maximize your withdrawals by:

  • Batching withdrawals to minimize total fee impact.
  • Always withdrawing close to the limit (e.g., $300 instead of $40).
  • Setting automatic reminders to monitor your limit usage.
  • Using fee-free ATM networks where available.

These strategies help you make the most of every dollar.

Conclusion: Cash App ATM Withdrawals Made Easy

Cash App provides flexibility, convenience, and accessibility when it comes to accessing your money. By understanding the Cash App ATM withdrawal limit, and leveraging direct deposit to waive fees, you can enjoy seamless cash access — for free.

Whether you're a casual user or rely on Cash App daily, optimizing how you use your Cash Card can result in significant savings and smoother financial management.