How to Put Money on Cash App Card at ATM in 6 Steps (With Photos)

Cash App card gives you quick, convenient access to your account balance for in-store and online purchases without carrying cash. However, you cannot directly load funds onto the card at an ATM.

This detailed guide explains why, and provides easy alternative ways to add money with step-by-step visual instructions.

Overview of Cash App Card

The Cash App card is a customizable free Visa debit card that links directly to your Cash App account balance and has gained widespread adoption.

Cash App reported having 40 million monthly active users as of 2021. Surveys indicate 63% of users have made a purchase with Cash App card in the past year, showcasing its popularity.

Key Benefits

Here are some major conveniences Cash App card provides over traditional bank debit cards and prepaid gift cards:

FeatureCash App CardDebit CardsPrepaid Cards
Accepted EverywhereYesYesSometimes
Tap & PayYesYesNo
Digital Wallet CompatibleYesPartialNo
ATM WithdrawalsYesYesLimited
Foreign TransactionsYesExtra feesNo
Customizable Card DesignYesNoYes
Balance Check In-AppYesVia BankYes
In-App ControlsYesVia BankYes
Monthly Fees$0VariesYes
Minimum Balance$0VariesYes
Direct DepositYesYesNo
Deposit CashYesNoYes
Send/Receive MoneyYesNoNo

With no monthly fees, balance requirements or hidden charges – Cash App card provides flexibility and spending power anywhere Visa cards are accepted.

Next, let‘s understand why ATMs cannot directly interact with the Cash App card.

Why No Direct Deposits on ATMs

ATMs operate within the banking system‘s secure payment network – but Cash App card lies outside of it.

When you insert a debit card into an ATM – the system uses the card number, expiration date and bank data imprinted on the card to:

  1. Verify authenticity by matching details against payment network records
  2. Identify associated bank account using security protocols
  3. Display account balance and options to deposit/withdraw funds

However, Cash App card is not directly linked to any bank account. It utilizes the balance available in your Cash App account, which exists on Cash App‘s closed system.

So ATMs essentially have no way to recognize or validate the Cash App card to allow direct balance deposits.

But you can easily load funds through the following alternative channels.

Method 1: Deposit Cash at Retail Stores

If you have physical paper money/coins, you can visit retail chains like the ones below and load it directly into your Cash App card‘s balance.

StoreCash AcceptedDeposit LimitFee
7-ElevenYes$500 per depositUp to $4
CVSYes$500 per 7 days$3 per deposit
RiteAidYes$1,000 per 30 days$1 per deposit
WalgreensYes$500 per deposit$4 for deposits $20-$500
WalmartYes$900 per dayUp to $4 per deposit

Follow these simple steps:

Step 1: Open Cash App and select Paper Money

Cash App Banking tab

Step 2: Choose nearby store

App locates stores based on GPS. Select desired store > Get directions
Cash App shows stores nearby

Step 3: Show dynamically generated barcode to cashier

Barcode shown to store cashier

Step 4: Cashier verifies ID and deposits money

Ensure amount reaches Cash App card balance minus fee

I recommend calling stores beforehand to confirm cash acceptance policies for Cash App deposits. Carry ID proof for faster processing.

Next, let‘s look at linking bank accounts to put money.

Method 2: Bank Account Transfers

You can instantly transfer funds to Cash App card from a linked bank account or debit card.

Stat: U.S. bank transfer speeds to Cash App

BankTransfer SpeedDaily/Weekly Limits
ChaseInstant$2,000 per day
Citi<1 Business Day$5,000 per week
Wells Fargo1-3 Days$1,000 per day
BofA<1 Business Day$2,500 per week

Here is how to link accounts and enable transfers:

Step 1: Link bank account credentials

Open Profile > Linked accounts > Enter details

Linking bank account

Common linkage issues:

  • Failed verification code
  • Typo in account number
  • Security questions unanswered

Step 2: Initiate bank transfer

Go to Banking > Select Add Cash > Enter amount > Add to transfer funds

Adding cash from bank account

Now let‘s see how to withdraw money onto Cash App‘s Visa debit card at ATMs.

Withdrawing Cash at ATMs

You can swipe at any local ATM supporting Visa network to withdraw cash. Cash App charges a flat $2.50 fee per transaction.

However, banks also levy charges – here‘s average fees by major U.S. banks:

BankATM Withdrawal Fee
Chase$0 (Chase ATMs); $3 (Non-Chase ATMs)
Wells Fargo$0 (Wells Fargo ATMs); $2.50 (Non-Wells Fargo ATMs
BofA$0 (BofA ATMs); $2.50 (Non-BofA ATMs) + 3% Foreign Transaction Fee
Citi$0 (Citi ATMs); $2.50 (Non-Citi ATMs)

Process to withdraw cash:

  1. Insert Cash App debit card into ATM
  2. Enter 4-digit PIN
  3. Select Withdraw Cash option
  4. Choose withdrawal account type
  5. Enter amount and confirm

Withdrawing cash from an ATM

You can locate fee-free ATMs supporting Visa network near you on the Cash App‘s ATM map.

So in summary – adding money directly to Cash App card is not possible on ATMs, but you can easily load funds through retail cash deposits or bank transfers.


The Cash App card makes sending, spending and managing money convenient without carrying cash. With customizable design and no hidden fees, it is growing in popularity.

However, its underlying prepaid debit card system means ATMs cannot recognize the card to allow direct balance deposits.

Luckily, alternatives like in-store cash loads and bank transfers help seamlessly put money into your Cash App account, ready to be used anywhere worldwide that accepts Visa debit cards with the swipe of your vibrant Cash App card!

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