How to Get Access & Use the Cash App in the Philippines

Cash App is one of the most popular digital wallets in the United States (and the UK). It also does not require you to provide an American social security number (SSN) to open an account or to use its send-and-receive money features.

However, many users in the Philippines may have trouble registering since the Cash App is designed for peer-to-peer use for residents in the United States and the United Kingdom. You must have a VPN and a US- or UK-issued debit card to access a Cash App account from the Philippines.

If you don't have both, we also show you alternative ways to access similar Cash App services, like peer-to-peer payments and US bank accounts.

How To Get Cash App in the Philippines

Cash App is intended for use from within the United States or the United Kingdom. It is a peer-to-peer payment system for domestic transfers within those countries. You may still be able to register for Cash App from the Philippines however.

You must have the following two items to access a Cash App account from the Philippines:

1. A VPN (Virtual Private Network);
2. A debit card issued in the US or the UK.

To get a US-issued debit card, you will need proof of US residency. If you want to trade on the US stock market with the Cash App, then you must provide a social security number too. A social security number is required because trading on the US stock exchange is regulated and taxed by the US government.

How To Use Cash App in the Philippines

If you do not have a social security number, you will only be able to send and receive a limited amount of money with Cash App. The limit for sending within a one-week period is $250 while the limit for receiving within a one-month period is $1,000.

To become a verified user who unlocks Cash App's full list of features, you will need to provide your SSN.

How To Send Money on Cash App

Cash App's primary feature is its domestic money transfers. To access your limited transfers, click the "$" on your Cash App main screen:

1. Enter the amount of money you want to send or receive;
2. Tap either "Request" or "Pay";
3. Search for your friend's $Cashtag, phone number, or email;
4. Add a customized note (optional);
5. Tap "Request" or "Pay" to complete the transaction.

Can You Use a Fake SSN for Cash App?

No, it is not possible to use a fake SSN on Cash App. Cash App and its parent company Block are financial platforms regulated by the U.S. federal government and the applicable laws. Cash App will run a cross-check to ensure that your SSN is real.

Avoid SSN for Cash App Scams

As one of the largest peer-to-peer payment systems in the United States with useful features, Cash App verification can be valuable. However, be aware of strangers selling "SSNs for Cash App" who claim to offer SSNs that perform Cash App verification. These will not work and may lead to the suspension of your account.

Why Does Cash App Need My SSN?

As a regulated financial service, Cash App requires Americans to enter their social security number to adhere to Know Your Customer (KYC) regulations. These established laws help prevent identity theft, money laundering, financial fraud, terrorism financing, and other financial crimes.

Alternatives to Cash App in the Philippines

Cash App offers useful services, such as free domestic transfers, US bank account numbers, access to the stock market & bitcoin, and free US tax filing. However, if you have neither access to a VPN nor a US or UK-issued debit card, then you will not be able to use Cash App from the Philippines.

For more: read our guide on Cash App alternatives in the US.

Domestic Transfers and US Bank Account Numbers

We recommend Revolut for you to make free transfers with other Revolut users in the United States, the United Kingdom, and around the world.

If you are a US resident, then you will be able to open a full account with Revolut, which offers US account numbers and a multi-currency account. This means you will be able to hold US dollars and dozens of other currencies in one account and access them with a US-issued debit card.

Revolut Money Transfer

US Stock Trading and Free Tax Filing

You may own US securities if you speak with a registered broker in the Philippines, such as an online broker that allows you to trade US stocks.

Another way is through ADRs (American Depositary Receipts) which are US dollar-denominated securities that represent ownership in the shares of a foreign company. Some Filipino banks also offer US stock trading through their online platforms. However, It is important to note that buying US stocks may be subject to certain regulations and restrictions in the Philippines and it is advisable to consult with a financial advisor or professional before making any investments.