Monito.com

How to Use Cash App Without an SSN: Is It Required to Verify?

Jarrod Suda

Guide

Dec 22, 2022
Advertiser disclosure

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

However, if you do not provide your SSN to Cash App, you will remain an "unverified" user, limiting how much money you send and receive via the app. In this guide, we learn about these limits and how to take full advantage of Cash App's features.

recommendation icon

One of the most popular peer-to-peer payment systems in the United States, Cash App is a secure way to transfer money domestically. With a verified account, you can transfer up to $7,500 weekly, receive unlimited transfers and direct deposits, deposit checks, and enjoy much more.

How To Use Cash App Without SSN

As an unverified user, you’re still 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.

Follow these steps when creating your Cash App account:

  1. Download Cash App for Android or iOS, or on the website;
  2. Enter your mobile number or email address;
  3. Enter the verification code that Cash App sends you;
  4. Enter your debit or credit card info to link your bank account;
  5. Enter your name and create a unique $Cashtag;
  6. Your unverified account will be active.
info icon

Need a Debit Card or Bank Account Without an SSN?

If you do not have a debit card or an American bank account because you do not have a social security number, read our guide on how to open a US bank account online without an SSN.

How To Verify Cash App Without an SSN

You can secure your account and unique $Cashtag by inputting the secret code that Cash App sends you at sign-up. However, this level of security will only allow you to send a maximum of $250 per week and receive a maximum of $1,000 per month. To become a verified user who unlocks Cash App's full list of features, you will need to provide your SSN.

Cash App Features For Verified Users Only

If you want to benefit from Cash App's banking and trading features, then you will be required to provide your SSN. Here's what you will be able to do once you verify your account with your social security number:

  • Transfer up to $7,500 each week;
  • Receive unlimited transfers and direct deposits;
  • Buy and sell stocks;
  • Trade cryptocurrency;
  • Use a Cash App card;
  • Get a tax refund,
  • Receive stimulus checks from the IRS;
  • Deposit checks.

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.

warning icon

Emails from the Cash App Team or Square will only contain links to websites at square.com, squareup.com, cash.app or cash.me. If an email contains links to other websites, then it was NOT sent by Square.

How To Send Money on Cash App Without an SSN

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 ore 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.

To see your account limits, tap on the profile button on the top right-hand side of the app. Scroll down and click on "Limits". Here, you will see your weekly and monthly "Send" and "Receive" limits, as well as your "Add Cash" and "Cash Out" limits.

How to Increase Cash App Limits

To raise your Cash App limits and get access to the app's full features, you will need to verify your account with the following:

  • Full name;
  • Date of birth;
  • Last four digits of your social security number.

How to Fully Verify Your Cash App Account

The most straightforward way to get verified on Cash App is to enter your SSN at sign-up. Otherwise, you can be prompted by the app to provide your SSN when you attempt to use verified user-only features. A few common scenarios include:

  1. Click the "Order" button to apply for a Cash Card;
  2. Send over $250 within a week;
  3. Receive over $1,000 within a month;
  4. Set up a direct deposit.

Why Does Cash App Need My SSN?

As a regulated financial service, Cash App requires you to enter your 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.

FAQ About Cash App and Social Security Numbers

Other Guides on Cash App, Fintechs, and Neobank Apps

Best US Banks for Foreigners
January 25, 2024 - by Jarrod Suda
Cash App For Kids: What Parents and Teens Need to Know
September 27, 2023 - by Jarrod Suda
Best US Neobanks in 2024
February 2, 2024 - by Olivia Willemin
Cash App vs PayPal: Which Has Better Safety, Fees & FX-rates?
December 22, 2022 - by Jarrod Suda
How To Open a US Bank Account Without an SSN (Remotely)
January 25, 2024 - by Jarrod Suda
Zelle vs Cash App: Differences, Fees & Which Is More Secure?
December 22, 2022 - by Jarrod Suda
7 Best Bank Accounts With No Deposit Required
February 5, 2024 - by Jarrod Suda
ITIN Number for Illegal Immigrants: How to Apply, Renew & Bank
August 4, 2023 - by Jarrod Suda
Banks That Accept ITIN (and Open an Account Online)
August 4, 2023 - by Jarrod Suda
4 Ways Undocumented Immigrants Can Open Bank Accounts
August 4, 2023 - by Jarrod Suda
Can I Open a Free Online Bank Account Without an ID?
August 4, 2023 - by Jarrod Suda
How You Can Open a Bank Account With Only a Passport
August 4, 2023 - by Jarrod Suda
How to Apply for a Green Card
December 21, 2022 - by Jarrod Suda
Open a US Bank Account Online
January 25, 2024 - by François Briod
Top 10 Online Small Business Checking Accounts in the USA in 2023
December 29, 2022 - by Jarrod Suda
Is Cash App International?
December 22, 2022 - by Byron Mühlberg
Easiest US Accounts To Open
January 25, 2024 - by Byron Mühlberg
What Do I Need To Open a Business Bank Account for an LLC?
December 7, 2022 - by Jarrod Suda
Cash App Business Account: Pros, Cons, Fees, & How To Open
September 1, 2023 - by Jarrod Suda
Cash App UK
May 4, 2023 - by Jarrod Suda
Cash App Canada
January 9, 2024 - by Jarrod Suda
10 Best Apps Like Cash App in Australia (Alternatives in 2023)
October 17, 2023 - by Jarrod Suda
Bank of America International Wires
March 28, 2024 - by Byron Mühlberg
info icon

References Used In This Guide

Cash App. Terms of Service. 24 June 2021.

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Learn More About Monito
  • Monito is trusted by 15+ million users across the globe.

  • Monito's experts spend hours researching and testing services so that you don't have to.

  • Our recommendations are always unbiased and independent.

Monito.com

Global Impact Finance Ltd
Rue du Pont 22
1003 Lausanne
Switzerland

Affiliate Disclosure
Instead of banner ads and paywalls, Monito makes money through affiliate links to the various payment service providers featured on our website. While we work hard to scout the market for the best deals, we're unable to consider every possible product available to you. Our extensive range of trusted affiliate partners enables us to make detailed, unbiased, and solution-driven recommendations for all types of consumer questions and problems. This allows us to match our users with the right providers to suit their needs and, in doing so, match our providers with new customers, creating a win-win for everybody involved. However, while some links on Monito may indeed earn us a commission, this fact never impacts the independence and integrity of our opinions, recommendations, and evaluations.