Cash App, developed by Block, Inc., is a highly popular mobile payment application that allows users to send, receive, and withdraw money with convenience and speed. One of its key features includes the ability to use a Cash App Card for ATM withdrawals. However, many users encounter questions about Cash App ATM withdrawal limits and how they can be increased. This comprehensive guide breaks down everything you need to know.
What Is the Cash App ATM Withdrawal Limit?
When using a Cash App Card at an ATM, specific withdrawal limits apply for security and regulatory reasons. Below are the current standard limits as of 2025:
- Cash App per Transaction Limit: $310
- Cash App Daily ATM Withdrawal Limit: $1,000
- Cash App Weekly ATM Withdrawal Limit: $1,000
These limits are imposed regardless of how many times you withdraw. For example, even if you try withdrawing $310 three times in a day, the total amount must not exceed $1,000 within that 24-hour period.
Why Are There ATM Withdrawal Limits on Cash App?
Cash App ATM withdrawal limits are in place to:
- Prevent fraudulent activity
- Protect user funds
- Comply with federal regulations
- Maintain liquidity for all users
These limits are part of the app’s broader security infrastructure and are enforced consistently.
Does Verifying Your Identity Increase the Limit?
Yes. Verifying your identity on Cash App can potentially increase your overall usage limits, though ATM withdrawal limits typically remain fixed at the standard rates listed above. However, verifying your identity is essential to unlock higher sending, receiving, and Bitcoin withdrawal limits, which may indirectly affect your usage of the platform.
To verify your identity, Cash App requires:
- Your full legal name
- Date of birth
- The last four digits of your Social Security Number (SSN)
- Government-issued ID (if prompted)
Verification can be completed in-app and usually takes less than 48 hours.
How to Check Your ATM Withdrawal Limit on Cash App?
To know where you stand on your Cash App limits:
- Open the Cash App.
- Tap the profile icon in the top-right corner.
- Scroll to “Limits” or use the search bar to find it.
- View your Cash Card ATM withdrawal limits under the respective section.
This will provide an accurate snapshot of how much more you can withdraw within your current cycle.
Can You Increase Cash App ATM Withdrawal Limits?
Unfortunately, Cash App currently does not allow increases to the ATM withdrawal limits beyond the default $310 per transaction and $1,000 per day/week. However, users have found creative workarounds to access more cash when needed.
Alternative Methods to Withdraw More Cash
If you're hitting the limits and need access to more funds, consider the following options:
- Link Cash App to a Bank Account and withdraw funds from your bank ATM.
- Use the Cash App Card at a Point-of-Sale (POS) terminal for cashback when making purchases.
- Transfer funds to another mobile payment service like PayPal or Venmo, and then withdraw from there.
- Upgrade to a business account if you're using Cash App professionally, although this doesn’t guarantee higher ATM limits, it opens access to other features.
Fees Associated with ATM Withdrawals on Cash App
Cash App charges a $2.50 fee for each ATM withdrawal using your Cash Card. This does not include additional fees imposed by the ATM operator, which typically range from $1 to $3.
How to Avoid ATM Fees on Cash App
To avoid or get reimbursement for ATM fees:
- Receive $300 or more in direct deposits per month into your Cash App account.
- Once qualified, Cash App reimburses ATM fees up to three times per 31-day period.
- You will get up to $7 per withdrawal reimbursed, which can save you significant cash over time.
ATM Withdrawal Limits Reset Schedule
Understanding the reset cycle is crucial:
- Cash App Daily ATM Withdrawal Limit Reset: Every 24 hours based on the time of your last ATM withdrawal.
- Cash App Weekly ATM Withdrawal Limit Reset: On a rolling basis, not by calendar week.
For instance, if you withdrew $1,000 on a Tuesday at 10 AM, you won’t be able to withdraw again until the following Tuesday at 10 AM.
What Happens If You Exceed Your ATM Withdrawal Limit?
Attempting to exceed the limit results in a "Limit Reached" error. The transaction is automatically declined, and no funds are deducted. You’ll need to wait until the limits reset before trying again.
Tips to Manage and Maximize Your Cash App ATM Withdrawals
To make the most out of your ATM usage with Cash App:
- Plan larger withdrawals at the beginning of your reset period.
- Use cashback at stores when you can’t access an ATM.
- Combine withdrawals with other methods, like sending to your linked bank.
- Track your limits in real-time inside the app to avoid failed transactions.
Security Tips for Cash App Card Users at ATMs
While convenience is great, security should be a priority:
- Always use ATMs in well-lit, secure locations.
- Shield your PIN when entering it.
- Monitor your Cash App account regularly for unauthorized activity.
- Enable notifications for all Cash App transactions.
Common Questions about Cash App ATM Withdrawals
- Can I use my Cash App Card internationally?
No. The Cash App Card can only be used at ATMs within the United States.
- Does the ATM limit include cashback at POS terminals?
No. Cashback received during a store purchase does not count toward your ATM withdrawal limits.
- Will ATM limits change in the future?
Cash App may revise their policies, so it’s important to check their official website or app updates regularly.
- Can I have two Cash App Cards to double my limits?
No. You can only have one active Cash App Card per account, and limits apply per user, not per card.
Conclusion
Knowing your Cash App ATM withdrawal limit and how to work within it can save time, fees, and frustration. While Cash App does not currently allow direct increases to ATM limits, with a few smart strategies—like verifying your identity, scheduling withdrawals, and leveraging direct deposit reimbursements—you can optimize your access to cash.
