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

[Sandeep Koli]

Cash App has revolutionized peer-to-peer payments, offering a fast and seamless way to send, receive, and manage money. But when it comes to accessing your funds through ATMs or using the Cash App Card, there are specific withdrawal limits and fees you need to understand. In this comprehensive guide, we break down everything you need to know about Cash App daily withdrawal limits, ATM limits, debit card restrictions, and how to withdraw cash without the card.

Cash App ATM Withdrawal Limit Explained

The Cash App ATM withdrawal limit is currently $310 per transaction, $1,000 in 24 hours, and $1,000 per 7-day period. These limits apply whether you’re withdrawing from an in-network or out-of-network ATM. Even if you try multiple ATMs, the combined total of your withdrawals cannot exceed these caps within the set time frames.

Key Cash App ATM Limits:

Per
Transaction: $310
Per 24
Hours: $1,000
Per 7 Days: $1,000

Understanding these boundaries is essential to planning your withdrawals and avoiding declined transactions due to exceeded limits.

Cash App Daily Withdrawal Limit

The Cash App daily withdrawal limit is particularly important for users who frequently use their Cash Card. As of now, Cash App limits you to $1,000 per day in ATM cash withdrawals. This limit is reset every 24 hours from the time of your last withdrawal.

Pro tip: If you hit the daily limit and need more cash, consider using your Cash App card for purchases instead, or transfer funds to a linked bank account.

Cash App Debit Card Limit Overview

Cash App issues a customizable debit card called the Cash Card, which is tied directly to your Cash App balance. Alongside ATM limits, the card also has spending limits:

Cash App Daily Spending Limit:
$7,000
Cash App Weekly Spending Limit:
$10,000
Cash App Monthly
Spending Limit: $25,000

These figures cover all types of spending, including in-store purchases, online payments, and peer-to-peer transactions using the Cash Card.

Cash App Card Withdrawal Limit

The withdrawal limit using the Cash App Card is the same as the ATM withdrawal limits: $310 per transaction, $1,000 per day, and $1,000 per week. These limits cannot be increased unless Cash App updates its policy or enables account-specific reviews for higher limits.

What is Cash App’s ATM Limit?

To recap, the ATM limit on Cash App is:

$310 per
withdrawal
$1,000 per
24 hours
$1,000 per
rolling 7-day period

No matter where you withdraw from, these limits remain standard unless Cash App raises them.

How to Increase Cash App ATM Withdrawal Limit

Currently, Cash App does not allow users to request a manual increase on ATM withdrawal limits. However, verifying your identity in the app may open up access to higher transfer and sending limits for other transactions. For now, ATM limits remain fixed even after verification.

To verify your identity:

1. Open the Cash App

2. Go to your profile

3. Tap “Personal”

4. Enter your full name, DOB, and SSN

What ATM Can I Use My Cash App Card for Free?

Cash App charges a $2.50 fee per ATM withdrawal, plus any additional fee imposed by the ATM operator. However, you can get reimbursed for ATM fees if you set up Direct Deposit and receive at least $300 per month.

Steps to Get Free ATM Withdrawals with Cash App:

Set up
Direct Deposit in the app.
Receive
$300+ in qualifying direct deposits within a 30-day period.
Cash App
reimburses up to 3 ATM fees per 31 days, up to $7 per withdrawal.

There’s no specific bank ATM that waives fees automatically—Cash App handles the reimbursement after the withdrawal is made.

Where Can I Withdraw Money from Cash App for Free?

To withdraw money from Cash App for free, the best strategy is:

Use your
Cash Card at stores to get
cash back during a purchase.
Set up
Direct Deposit to qualify
for ATM fee reimbursement.
Transfer to
your bank using the Standard
(free) deposit option, which takes 1–3 business days.

Retailers like Walmart, Walgreens, CVS, and many grocery stores offer cash-back with purchases, allowing you to avoid ATM fees entirely.

Cash App Cash Limit

The cash withdrawal limit via ATM or Cash Card is subject to the same $1,000 daily and $1,000 weekly cap. However, there is no limit on receiving funds into your Cash App balance. If you need to access more cash, your best bet is transferring funds to a bank and using traditional banking withdrawal methods.

How Much Can You Withdraw from Cash App at ATM?

You can withdraw up to $310 per transaction from an ATM, not exceeding $1,000 in a 24-hour period. This applies across all ATMs and is consistent for both verified and unverified users.

What is the ATM Domestic Withdrawal Fee for Cash App?

Standard ATM
fee: $2.50 per transaction
Additional
fee: May be charged by ATM operator
Reimbursement: Up to 3 ATM withdrawals (up to $7 each)
per 31 days with $300+ direct deposit

Always check the on-screen fee notification at the ATM before confirming your transaction.

How to Withdraw Money from Cash App Without Card

If you don’t have access to your Cash Card, you can still withdraw money from Cash App using the following methods:

1. Transfer to a Linked Bank Account

Open Cash
App
Tap “Banking”
Tap “Cash
Out”
Choose
standard (free) or instant (with fee) deposit

2. Use Apple Pay or Google Pay

If your Cash Card is linked to a digital wallet, you can use the balance to make purchases or send money to another wallet account that supports withdrawals.

3. Send Money to a Trusted Person

Transfer funds to a trusted friend or family member who can withdraw cash on your behalf and give it to you.

Conclusion

Managing your funds on Cash App is easy once you understand the ATM withdrawal limits, daily and weekly card limits, and how to avoid unnecessary fees. By setting up Direct Deposit, verifying your identity, and using cash-back options at retailers, you can stretch your Cash App usage further and smarter.