When Cashing Out Balance of Cash App Card? What Is My Cash App ATM Withdrawal Limit?

Cash App has become one of the most popular digital payment platforms in the United States, offering seamless peer-to-peer transfers, direct deposit capabilities, and the convenience of a Cash App Card that functions like a debit card. Understanding how to cash out your balance and the ATM withdrawal limits associated with your Cash App Card is crucial to making the most of its features.

How to Cash Out Balance on Cash App?

Cashing out your balance from Cash App is simple and convenient. There are two primary methods: standard deposit and instant transfer.

Step-by-Step Guide to Cash Out

  1. Open the Cash App on your smartphone.
  2. Tap the “Balance” icon (or the Banking tab).
  3. Select “Cash Out”.
  4. Enter the amount you wish to withdraw.
  5. Choose between:
  • Standard Deposit (1–3 business days, free of charge)
  • Instant Deposit (immediate, with a 0.5%–1.75% fee, minimum fee $0.25)
  1. Select your linked bank account or debit card.
  2. Confirm the transaction using your PIN or Touch ID.

Tip: Always double-check your bank details to ensure your funds are sent to the correct destination.

Understanding the Cash App Card

The Cash App Card is a free Visa debit card linked directly to your Cash App balance. It allows users to make in-store and online purchases, and withdraw money from ATMs nationwide.

With your Cash App Card, you no longer need to transfer money to a traditional bank account. You can access your funds instantly via ATM withdrawals or by using the card at any merchant that accepts Visa.

Cash App ATM Withdrawal Limit Explained

One of the most common questions users have is: “What is my Cash App ATM withdrawal limit?”

Cash App Daily ATM Withdrawal Limit

  • $1,000 per 24 hours

This is the maximum amount you can withdraw using your Cash App Card at an ATM in any 24-hour period.

Cash App Weekly ATM Withdrawal Limit

  • $1,000 per 7-day period

Despite the Cash App daily limit, you are also restricted by a weekly withdrawal cap, which means that over 7 days, your total ATM withdrawals cannot exceed $1,000.

Cash App Monthly ATM Withdrawal Limit

  • $1,250 per 30-day period

Cash App enforces a rolling 30-day limit on ATM withdrawals, which restricts total ATM cash access to $1,250 per month.

Where Can I Use My Cash App Card for ATM Withdrawals?

Your Cash App Card is compatible with any ATM that accepts Visa debit cards, including:

  • Chase
  • Bank of America
  • Wells Fargo
  • CitiBank
  • PNC Bank
  • Credit Unions
  • Convenience store ATMs (like 7-Eleven)

ATM Fee Note: Most ATMs charge a usage fee (typically $2–$3). Cash App itself also deducts a $2.50 fee for each ATM withdrawal, unless you meet specific direct deposit criteria.

How to Avoid ATM Withdrawal Fees on Cash App?

Cash App users can waive ATM withdrawal fees under certain conditions.

Fee Reimbursement Eligibility

If you receive at least $300 in direct deposits to your Cash App account every calendar month, Cash App will:

  • Reimburse up to $7 in ATM fees per withdrawal
  • Cover up to 3 withdrawals per 31-day period

This feature is particularly helpful for users who rely on Cash App as their primary bank alternative.

Alternatives to ATM Withdrawals

While ATM withdrawals are convenient, Cash App offers several alternative methods for accessing your money.

1. Transfer to Bank Account

Use the standard or instant deposit option to send your Cash App funds directly to your linked bank account.

2. Use Cash Back at Stores

When you make a purchase using your Cash App Card at participating retailers, you can request cash back at checkout, avoiding ATM fees altogether.

3. Pay Bills or Shop Online

You can use the Cash App Card to:

  • Pay utility bills
  • Shop at online stores
  • Purchase subscriptions (like Netflix or Spotify)

How to Increase Cash App ATM Withdrawal Limit?

Unfortunately, Cash App does not currently allow users to manually increase ATM withdrawal limits on Cash App. However, you can optimize your account usage for better functionality:

Verification Steps

To unlock the full capabilities of your account, ensure that you’ve:

  • Verified your legal name
  • Provided your date of birth
  • Entered the last 4 digits of your SSN

Full verification may not increase ATM limits, but it does allow higher send/receive limits and full access to all Cash App features.

How to Check Your Cash App Withdrawal Limits?

To check your current ATM or spending limits:

  1. Open the Cash App.
  2. Tap on the profile icon.
  3. Navigate to “Support” > “Limits”.
  4. Review all ATM, sending, and spending limits.

Knowing your limits will help you plan withdrawals and transactions more effectively.

Troubleshooting Cash App ATM Withdrawals

1. Withdrawal Denied?

If your ATM transaction fails, consider these common reasons:

2. How to Fix It

  • Try again at a different ATM
  • Ensure your card is active and not blocked
  • Contact Cash App support for deeper issues

Cash App ATM Withdrawal Tips

  • Always check your balance before heading to an ATM.
  • Use in-network ATMs when possible to avoid excessive fees.
  • Withdraw larger amounts less frequently to reduce total fees.
  • Set up direct deposits to qualify for ATM fee reimbursements.
  • Monitor your limits weekly to avoid declined transactions.

Is It Safe to Use Cash App at ATMs?

Yes. Cash App is equipped with:

  • Chip technology for physical security
  • Real-time notifications for each transaction
  • The ability to disable your card instantly in the app
  • PIN and Face ID/Touch ID protection

Still, always cover your PIN, and avoid suspicious or poorly lit ATM locations.

Final Thoughts on Cash App Card Withdrawals

The Cash App Card offers flexible and immediate access to your money, especially when cash is needed. However, understanding the ATM withdrawal limits, fees, and reimbursement policies is critical to maximize your financial efficiency and avoid unwanted charges.