What Is the ATM Withdrawal Limit? A Detailed Guide for Cash App Users

[Sandeep Koli]

If you’re planning to use Cash App for direct deposits and check deposits, understanding the ATM withdrawal limit is essential. Whether you’re depositing an insurance check or setting up your paycheck to directly into your Cash App balance, know how much you can withdraw—and how to maximize your access to funds—is crucial.

In this comprehensive guide, we explore Cash App ATM withdrawal limits, how they work, how to increase them, and alternative options when you hit your daily or weekly ceiling.

How Much Can You Withdraw From a Cash App ATM?

Cash App’s ATM withdrawal limit is clearly defined for verified users who use the Cash App Cash Card, a Visa debit card linked to your Cash App balance.

• Cash App Daily ATM Withdrawal Limit: $310 per transaction

• Cash App Daily Total Limit: $1,000 every 24 hours

• Cash App Weekly ATM Withdrawal Limit: $1,000 every 7-day period

These limits apply to ATM withdrawals only. Other types of transactions, such as purchases or transfers, have their own limits.

Who Can Withdraw From ATMs Using Cash App?

To access funds from an ATM via Cash App, you must meet the following requirements:

• Own a Cash App Cash Card

• Have a verified account (identity verified with your full name, date of birth, and the last four digits of your SSN)

• Have a sufficient balance in your Cash App account

• Locate an ATM that supports Visa debit cards

If your account is not verified, you will not be able to order a Cash Card, which means no ATM access.

Is There a Way to Increase the ATM Withdrawal Limit?

Currently, Cash App does not allow users to request higher ATM withdrawal limits. The limits are fixed and uniform for all Cash App users with a verified account. However, there are alternative strategies to access more of your funds:

• Withdraw more frequently: Since the Cash App limit is based on a rolling 7-day period; you can plan your withdrawals strategically.

• Transfer funds to a linked bank account, and then withdraw from your bank’s ATM with its own withdrawal limits.

• Use the Cash Card for purchases instead of withdrawing cash when possible.

Does Cash App Charge ATM Fees?

Yes, but there’s a way to get around them. Here’s how it breaks down:

• Standard ATM Fee: Cash App charges a $2.50 fee per ATM withdrawal.

• Additional ATM operator fee: This varies by the machine’s owner and location.

However, you can get ATM fee reimbursements. If you receive $300 or more in direct deposits per month, Cash App will:

• Reimburse 3 ATM fees per 31-day period, up to $7 in total.

To activate this, ensure your pay check, unemployment benefits, or government payments are deposited into your Cash App account.

How Direct Deposit Affects ATM Withdrawal Access

If you’re depositing an insurance check or setting up Cash App direct deposit for payroll, your available balance increases—but your ATM withdrawal limits remain the same.

However, the more funds you have in your Cash App, the more flexibility you’ll have in using the Cash Card for:

• ATM withdrawals (up to $1,000 weekly)

• In-store purchases

• Online purchases

Pro tip: For large insurance check deposits, consider transferring the funds to a linked bank account if you need to access more than the Cash App weekly ATM limit.

How to Set Up Direct Deposit on Cash App

To enable direct deposit and use your Cash App like a traditional bank account:

1. Open Cash App and go to the Banking tab.

2. Tap on Direct Deposit.

3. Select Get Direct Deposit Form or Copy Account Details.

4. Share your Cash App routing and account number with your employer or check issuer.

Once active, all deposited funds will reflect in your Cash App balance—available for spending, withdrawal, or transfers.

Insurance Check Deposits on Cash App: What to Know

While you cannot deposit a paper check directly through mobile check imaging (as of now), you have alternatives:

• Deposit the insurance check into your linked bank account, and then transfer the funds to Cash App.

• If the insurance company supports direct deposit, provide your Cash App account number and routing number.

Once funds land in your Cash App, you can withdraw them via ATM, respecting the same limits.

Tips to Manage Your ATM Withdrawals Efficiently

To make the most out of Cash App’s ATM withdrawal policy, consider these tips:

• Track your withdrawals: Use the Activity tab in Cash App to monitor your daily and weekly limits.

• Avoid unnecessary ATM fees by using direct deposit reimbursements or using your card for purchases.

• Have a backup plan: Keep a traditional bank account linked for high-value withdrawals or deposits.

• Set up alerts: Get notified when you’re close to reaching your Cash App withdrawal limit.

Alternative Withdrawal Methods on Cash App

If you hit your withdrawal ceiling or need to access more money, here are some viable alternatives:

1. Cash Back at Retailers

Use your Cash Card to get cash back at participating stores like Walmart, Walgreens, or CVS. This method does not count toward the ATM withdrawal limit.

2. Transfer to Bank Account

Move funds from Cash App to your linked bank account:

• Standard Deposit: Free, arrives in 1–3 business days.

• Instant Deposit: Charges a small fee (typically 0.5–1.75%) for immediate transfers.

3. Use Peer-to-Peer Transfer

Send funds to a trusted friend or family member’s account, and have them withdraw cash for you (only does this if you trust them completely).

Summary: Key ATM Withdrawal Details for Cash App Users

Feature Limit/Details

Daily ATM Withdrawal Limit $1,000 every 24 hours

Per Transaction Limit $310 per withdrawal

Weekly ATM Withdrawal Limit $1,000 every 7-day period

ATM Fee $2.50 (reimbursed if eligible)

Fee Reimbursement Requirement $300+ in monthly direct deposits

Direct Deposit Setup Via Cash App account/routing numbers

Insurance Check Deposit Options Direct to Cash App (if supported) or via linked bank

Conclusion

Cash App offers a flexible, user-friendly way to handle direct deposits and digital money management, but it does come with fixed ATM withdrawal limits. With strategic planning and the right setup—including direct deposits and linked bank transfers—you can effectively navigate these limits while minimizing fees and maximizing access to your funds.