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About Cash App

Cash App is a cloud-based mobile payment processing solution that allows users to manage payments using mobile devices.

Learn more about Cash App

Pros:

The cash app features is real time and at soonest possible time cash provider. It can easily be integrated with small personal business or a slowly growing business at a small or affordable cost.

Cons:

Banks are some what hard to find. It took me awhile to locate my bank.

Cash App ratings

Average score

Ease of Use
4.5
Customer Service
3.5
Features
4.3
Value for Money
4.3

Likelihood to recommend

7.7/ 10

Cash App has an overall rating of 4.2 out 5 stars based on 613 user reviews on Capterra.

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Filter reviews (613)

Jay
Jay
Owner in US
Verified LinkedIn User
Hospitality, 11–50 Employees
Used the Software for: 2+ years
Reviewer Source

CashApp king of apps for quick payment.

5.0 2 months ago New

Comments: It has been solid. I have used it 4 years.

Pros:

Cash app is extremely easy to use even without any prior training.

Cons:

Sometimes certain charges will will freeze up your account and it takes some time with customer service to fix it on occasion.

Manda Lyen
Owner operator in US
Verified LinkedIn User
Arts & Crafts, Self Employed
Used the Software for: 1+ year
Reviewer Source

Cash App is easy to use and has some great security features.

4.0 last month New

Comments: My overall experience with Cash App has been a great experience.

Pros:

I really absolutely love the fact that you can lock your account at anytime and unlock just as easily

Cons:

That you can't use it with split payment apps such as 4pay and a fews others.

Monique
Interior designer in US
Design, Self Employed
Used the Software for: 2+ years
Reviewer Source
Source: SoftwareAdvice

Cash app cannot be trusted with your money

1.0 3 weeks ago New

Comments: I continued using it for the convenience but now I simply cannot trust them with my money and will be a Venmo user from now on.

Pros:

Money transfer feature is quick and easy.

Cons:

Beware - they're pro merchant, your money is not safe! I trusted cash app with my money & twice they allowed my money to be compromised. A fake Macy's website was allowed to keep $94 for items they never shipped, despite my repeated reports that I never received the items & the tracking numbers were fake. I was told the dispute decision was final, stop pursuing it. Now, my card was locked and a merchant still took money my family desperately needed, cash app said sorry, that's allowed. Bottom line, locking your card does NOT protect your money and even when merchants clearly commit fraud, cash app let's them keep your money. This is the response from their customer support manager: 'Thank you for bringing this case to my attention. Merchants can process a payment even if you don’t have enough funds in your balance or the card was locked. This typically happens when a merchant authorizes your card for a smaller amount than the final total. I know how inconvenient this is, I've also experienced a similar situation to this. I want to ensure you I am an advocate for you, and we're working our hardest to improve the overall customer experience.'

Eric
Owner in US
Individual & Family Services, Self Employed
Used the Software for: 2+ years
Reviewer Source

Alternatives Considered:

Frustration Over Unexplained Account Closure

1.0 4 months ago

Comments: Several years ago, my Square account was permanently closed due to an alleged violation of company policies. To this day, I still don’t know what I did wrong, and despite repeated efforts, I haven’t been able to get anyone to explain what happened or offer a way to resolve the issue.
sunce July, 2020, I have relied on Square Payments and scheduling to help run my successful business. I’ve always taken pride in maintaining high standards and following all rules to protect my livelihood and reputation. It’s baffling and disheartening to be treated as if I violated policies without ever being told what I did wrong.
Even now, my business continues to thrive, but this unresolved situation with Square is a stain on an otherwise positive journey. It’s not just frustrating—it’s angering—to feel shut out and dismissed by a company I trusted and worked with for so long. I understand the need for companies like Square to enforce policies and uphold high standards, but I also believe users like me deserve transparency and a chance to address issues. Closing accounts permanently without explanation or opportunity for appeal is not only unfair but also leaves loyal customers feeling abandoned. I hope Square reevaluates how it handles situations like this, because no one who values their business and plays by the rules should be left in the dark like I have been.

Pros:

Running my business through Square, Block. Taking payment's and scheduling.

Cons:

The fact that they have never explained why my account was permanently closed. I have read the complany rules and regulations several times. I never came across anything that I have done to cause my account to be closed. I have been asking for clarification numerous times. I never receive any response back from them.

Leah
Study Coordinator in US
Hospital & Health Care, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Cash App Review by Average User

4.0 2 months ago New

Comments: Overall, I use Cash App for small money transfers between acquaintances. I have found Cash App to be more secure and protected over other similar applications.

Pros:

My favorite aspect of Cash App is the ability to transfer money to friends from my bank account. I also like the option to create a savings account through Cash App.

Cons:

My least favorite aspect of Cash App is that reward points (stars) expire after a certain period of time.

Brittany
Owner in US
Alternative Medicine, Self Employed
Used the Software for: 1+ year
Reviewer Source

Overall good app

1.0 2 months ago

Pros:

I like how it is instant deposit.. only app that is

Cons:

I don’t really care for the pint of bullshit you have to go through just to sign up

Tiffany
Building service worker in US
Education Management, 1,001–5,000 Employees
Used the Software for: 2+ years
Reviewer Source

Easy fast and convenient!!!!

5.0 4 weeks ago New

Comments: My over all experience has been nothing but positive thats a fact

Pros:

I love that you can connect any of your bank accounts and move money instantly, along with sending money to anyone with the app instantly as well. Also other things are if you want to withdrawl the funds in your cash app you can choose to wait the few days, or for a .25 cent or certain percentage which is super low, you can withdraw instantly, and then you can deposit cash for $1 charge and add funds that way to your cash app account. Then finally its a bank account itself so if you choose you can use it at such, and it offers early pay and along with cash advances if approved!!! So yeah awesome AWESOME convenient app top number 1 app!!!!!

Cons:

Nothing i can think of thats negative all positive

Kennedy
Business Support Specialist in US
Health, Wellness & Fitness, 5,001–10,000 Employees
Used the Software for: 2+ years
Reviewer Source

Cash App Review

4.0 last month New

Comments: Overall, I have had a good experience with Cash App and will continue to use it as needed.

Pros:

Something I like about Cash App is that it is easy to navigate and the QR code to look people up is very convenient.

Cons:

I feel as though Cash App is not as secure as other money transferring apps such as venmo, or Paypal.

Shelly
DSP Caregiver in US
Individual & Family Services, 201–500 Employees
Used the Software for: 2+ years
Reviewer Source

Fast, Simple way to pay

4.0 2 months ago

Comments: Its great for instant cash situations with friends and family and i have purchased bitcoin so thats fun to look at each day with options to sell. trade etc. I do not like ATM fees and its annoying only able to link one outside financial debitcard at a time to fund my cash app.

Pros:

Having the ability to send or request money instantly from friends or family. Also having options to purchase crypto and stock.

Cons:

No fee free ATMs anywhere it seems! Cash App charges 2.50 and the owner of ATMs charge minimum 2.50 as well so i found myself spending hundreds in fees because i needed a 20 here or had to have cash for this right now etc. Horrible fees!

Desiree
Desiree
Peer support in US
Verified LinkedIn User
Health, Wellness & Fitness, 51–200 Employees
Used the Software for: 6-12 months
Reviewer Source

Send and receive cash easy!

3.0 3 weeks ago New

Comments: Overall it was ok. Always double check before sending money because they have nothing in place to help if you mess up.

Pros:

Its easy to connect your bank or debit card. The app is very easy to use. Its also simple to connect with other people. The service is alao free to use so bonus points for that.

Cons:

Thw only issue i had was that i accidently sent money to the wrong individual. I contacted customer support and there was nothing they could do for me. Told me to ask the person i sent it to to send it back. I never got my momey back.

Johnielynn
Consultant in US
Consumer Services, 2–10 Employees
Used the Software for: 1+ year
Reviewer Source

Cash is the best hands down

5.0 12 months ago

Comments: Its been awesome better than ever. I willvstay with cash app

Pros:

I loved the fact i could send money anywhere from my mobile cash app

Cons:

There nothing i didnt like about it. I have no bad nothing to say about cash app love it

Verified Reviewer
Verified LinkedIn User
Nonprofit Organization Management, 2–10 Employees
Used the Software for: 1+ year
Reviewer Source

Super Convenient

5.0 11 months ago

Pros:

I love the convenience of using Cash App to send and receive money daily.

Cons:

I would like to list more that one debit card and checking account so I don't have to switch back and forth so often, it's very difficult to switch over sometimes especially if I am in a hurry.

Kathleen
Painter in US
Dairy, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Cash app.is the best

5.0 last year

Comments: It wss great and i recommended using jt to anyone

Pros:

Mobile bankijg and making it very easy to use.

Cons:

Nothing really at all i loved it so much

Verified Reviewer
Verified LinkedIn User
Banking, 10,000+ Employees
Used the Software for: 2+ years
Reviewer Source
Source: GetApp

Expect No Notice

1.0 8 months ago

Pros:

The account was amazing until I randomly got on my account to find out they had closed it unexpectedly. No notice, no communications, no reasons. Customer service advocates can only hide behind their pre-generated responses to not only provide no details but also no help with the issue. Totally inconvenient and do not recommend after this issue.

Cons:

I had my account randomly closed without any notice or reason. All they can say is I breached the terms of service. I tried reaching out but all the advocates can do it hide behind their pre-generated responses and say they have no additional information. I have to wait 30 days for a response on the case which for many like me is a major inconvenience. For an an online banking platform that is customer related, they have no customer service that actually answer any questions that are directly related to the real issue. I tried calling and they gave me the same response. The representative then rudely hangs up on me. If they are going to take 30 days to do an investigation, they should have left the account open while they do their thing rather than just closing an account with no communication and having no information on the situation. Very annoyed and tempted to completely delete my account.

Tiffany
Health Care Provider in US
Hospital & Health Care, 51–200 Employees
Used the Software for: 2+ years
Reviewer Source

Cash App Gone Bad

1.0 4 months ago

Comments: Overall, very untrustworthy. I can't say I would really recommend as a last resort.

Pros:

Easy to open an account and use. Also has option for personal and/or business account.

Cons:

Very untrustworthy with money they handle. I have been personally affected by this. They even have the capability to erase your activity history. It happened to me and I lost a lot of money.

Kristina
Kristina
Owner in US
Verified LinkedIn User
Automotive, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Online Banking Software that does it all!

5.0 8 months ago

Comments: I absolutely love it and would 100% recommend this software to anyone.

Pros:

You can do anything from direct deposit to paying your bills and even sending money to a friend. It's the easiest free software you could possibly ask for.

Cons:

There hasn't been anything so far that I dislike about it

Melissa
owner in US
Consumer Services, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

excellent service

5.0 3 months ago

Pros:

excellent service no complaints I would highly recommend

Patrick
Ceo in US
Logistics & Supply Chain, Self Employed
Used the Software for: 2+ years
Reviewer Source

Cash app is amazing

4.0 8 months ago

Comments: I have switched to pay pal now cash app is for crooks

Pros:

Simplicity ease of use quick and fast business isn't that great

Cons:

They charge for business but it's just them making extra money

Elisha
Ceo in US
Health, Wellness & Fitness, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source
Source: SoftwareAdvice

I do not recommend

1.0 6 months ago

Comments: On September 7, I transferred money to my Cash App to settle a bill. The app accepted the funds from my bank account, but when I attempted to send it to the recipient, the transaction was declined. I received an error message stating it was declined for my protection and that verification was required. After calling to verify my identity, I was informed that someone would contact me via email. For several days, I checked the status, but the responses were brief, and I was repeatedly told to wait for an email. Since I needed to pay the bill urgently, I asked my brother to send the money to my other Cash App account, but the same issue occurred again. I have reached out to Cash App multiple times to clarify why my account wasn’t flagged when I initially deposited the money. Shouldn’t it have been rejected then as well? Despite completing the verification process over the phone, my funds are still being held. I requested a refund back to the original account, but they informed me it’s illegal to withhold someone’s money without a lien or court order once they have verified their identity. Now, on September 18, I still have not received my money. I do not recommend using Cash App; it’s wiser to opt for a well-established bank, as your funds could be at risk of being stolen or held for no valid reason. My case number is
[sensitive content hidden]
I have also submitted to BBB!

STACEY
bookkeeper in US
Accounting, Self Employed
Used the Software for: 2+ years
Reviewer Source
Source: SoftwareAdvice

Cash app Accusations

1.0 4 months ago

Comments: Good until they make accusations and close your account with NO EXPLANATION WHAT SO EVER!!!!!

Pros:

ease of use of the app. Not confusing like others.

Cons:

They are very good at accusing you of doing wrong on your account and close it at their will and REFUSE TO TELL YOU WHAT YOU DID!!!!! They like to blacken your name and do a review on your account of which you have NO ACCESS TO and refuse to tell you what you are being accused of. They Refuse to reopen account or give an support to tell you what was done

Jesse
Owner in US
Automotive, 2–10 Employees
Used the Software for: 2+ years
Reviewer Source

Cash App Review

5.0 5 months ago

Pros:

I absolutely love how easy it is to accomplish what im attempting to do when i open this application as well as the fact that it is used almost everywhere

Cons:

I honestly dont have anything to complain about with this application. Very pleased

Miranda
No job title in US
Banking, Self Employed
Used the Software for: 2+ years
Reviewer Source

My review of Cash App

3.0 7 months ago

Comments: It started off good, but it did not end that way.

Pros:

That it was easy to set up and get an account.

Cons:

Not enough security and if you post money to the wrong account there was no reciprocity. Non caring.

Christina
owner in US
Wholesale, Self Employed
Used the Software for: 1+ year
Reviewer Source

use every day no issues and love it

4.0 last year

Pros:

its fast, safe, free, and there is no cap on the amount of money I can send.

Cons:

there isn't more features and the app itself is kinda boring.

Kyle
Owner in US
Verified LinkedIn User
Online Media, Self Employed
Used the Software for: 1+ year
Reviewer Source

I use cash app everyday!

5.0 10 months ago

Comments: It has been very helpful for me i use it as my main bank! Definitely would recommend.

Pros:

It is very easy to use. I use the stock trading feature alot. I love how much detail was put into it. Great job Cashapp team! When I need money and i know it will be there. [sensitive content hidden]

Cons:

I would like to be able to see my gains and losses with bitcoin.

VELZIE
patient service Coordinator in US
Health, Wellness & Fitness, 501–1,000 Employees
Used the Software for: 2+ years
Reviewer Source

Cash App Review

5.0 10 months ago

Pros:

That I can get my Check Deposits up to 2 days sooner.

Cons:

That sometimes, the correct amount is not updated