A Complete Guide on Cash App ATM Withdrawal Limit and Card Limit

A Complete Guide on Cash App ATM Withdrawal Limit and Card Limit

Cash App has become one of the most convenient and widely used mobile payment platforms, allowing users to send, receive, and spend money effortlessly. However, to make the most of your Cash App account—especially if you use the Cash App Card for ATM withdrawals or daily purchases—it’s essential to understand the Cash App ATM withdrawal limits and card usage limits.

In this comprehensive guide, we break down everything you need to know about Cash App card limits, including daily, weekly, and monthly restrictions, how to increase these limits, and best practices to avoid declined transactions.

What is the Cash App Card?

The Cash App Card is a free, customizable debit card issued by Sutton Bank that allows users to spend their Cash App balance anywhere Visa is accepted. You can also use it to withdraw cash from ATMs, making it a powerful tool to access your funds instantly.

Understanding the Cash App ATM withdrawal limit is crucial if you rely on physical cash. Here’s a detailed breakdown:

•          Cash App per Transaction Limit: $310

•          Cash App Daily Limit: $1,000

•          Cash App Weekly Limit: $1,000

•          Cash App Monthly Limit: There is no hard-set monthly limit, but you may be flagged if withdrawals exceed $4,000 per month regularly.

These limits are in place to protect users from fraud and misuse, and they apply regardless of which ATM network you use.

⚠️ Note: The ATM you use might also have its own limits or surcharge fees.

Cash App Spending (Card Usage) Limits

Besides ATM withdrawals, your Cash App Card comes with spending limits that are equally important. These limits depend on whether your identity has been verified.

Unverified Cash App Card Limits

•          Cash App Send Limit: $250 per 7-day period

•          Cash App Receive Limit: $1,000 per 30-day period

•          ATM Withdrawal: Not available unless verified

Verified Cash App Card Limits

Once you verify your identity (using your full name, date of birth, and last four digits of your SSN), your limits increase significantly:

•          Cash App Send Limit: Up to $7,500 per week

•          Cash App Receive Limit: Unlimited

•          Cash App Cash App Card Spending Limit:

o          Per Transaction: $7,000

o          Cash App Daily: $7,000

o          Cash App Weekly: $10,000

o          Cash App Monthly: $25,000

Cash App ATM Withdrawal Fee

While the Cash App Card is free, there is a $2.50 fee per ATM withdrawal. However, there’s good news:

•          Direct Deposit Reimbursement: If you receive at least $300 in direct deposits per month, Cash App will reimburse up to three ATM fees per 31-day period. This makes accessing cash much more affordable.

✅ Tip: Set up direct deposit to unlock ATM fee reimbursements and other benefits like early paycheck access.

How to Increase Cash App ATM Withdrawal Limit?

To increase your Cash App ATM withdrawal limits, follow these steps:

1.        Verify Your Identity: Go to your Cash App home screen → Tap the profile icon → Select “Personal” → Enter your full name, DOB, and SSN.

2.        Enable Direct Deposits: Navigate to “Banking” → Tap “Direct Deposit” → Copy your account and routing number → Share it with your employer.

3.        Use the App Responsibly: Consistent usage without disputes or reversals boosts your trust level with Cash App, which may lead to higher limits.

How to Check Your Cash App Card Limits?

You can easily check your Cash App limits by:

•          Tapping the profile icon

•          Selecting “Limits” under the Privacy & Security tab

This section gives you a clear view of your ATM withdrawal limits, sending/receiving limits, and spending caps.

Resetting or Reaching Your Limit

If you hit your ATM or spending limits:

•          Cash App Daily limits reset every 24 hours

•          Cash App Weekly limits reset 7 days after your first transaction

•          Cash App Monthly limits reset on a rolling 30-day basis

Be mindful of these cycles to manage your funds effectively.

Why Was My Cash App ATM Withdrawal Declined?

Several reasons could cause a declined transaction at the ATM:

•          You’ve exceeded your ATM withdrawal limit

•          Insufficient funds in your Cash App balance

•          ATM’s own withdrawal restrictions

•          The card is locked (check your card settings in the app)

•          Technical issues with the ATM network

Always ensure your card is unlocked and funded before attempting a withdrawal.

Security Tips for ATM Withdrawals

•          Avoid public Wi-Fi when using Cash App

•          Enable two-factor authentication

•          Monitor transactions regularly in the Activity tab

•          Disable card temporarily if lost or stolen via the app

Can I Use Cash App Card Internationally?

The Cash App Card only works within the United States. International ATM withdrawals or purchases are not supported, which includes both physical and online transactions.

Final Thoughts

Cash App is an incredibly flexible financial tool, but understanding the ATM withdrawal limits and Cash App Card spending limit is essential for smooth usage. By verifying your account and using direct deposit, you not only increase your limits but also save on fees. Always stay informed through the app and make smart financial decisions to get the most out of your Cash App experience.