Does Cash App Charge ATM Fees?

With over 50 million users, Cash App is one of the most popular mobile payment apps. It allows users to send money, make payments, and invest. It’s especially popular with lower-income adults and young people, making ATM fees an important consideration for users on a tight budget. 

You can use a Cash App Cash Card at an ATM. But since it’s not tied to a bank account, you might be interested to know how this affects ATM fees: does Cash App charge ATM fees? Keep reading to find out more about how to use Cash App with ATMs.

ATM Fees Explained

Generally, when you use your debit card at an ATM, you will be charged two fees: one by your bank and one by the ATM owner. If you use an in-network ATM, you are only charged one fee since your bank owns that ATM. 

Some banks offer different fee structures and waive certain fees as a benefit of purchasing certain accounts. Check with your bank for more information on ATM fees for your account.

Cash App isn’t a bank, though. So does Cash App charge ATM fees?

Does Cash App Charge ATM Fees?

According to Cash App support, you can use your Cash Card at any ATM for a $2.50 fee. You will also pay any out-of-network fees charged by the ATM operator. This is similar to how your bank might charge for debit ATM withdrawals from out-of-network ATMs. Cash App is the “bank”, and you will still pay the surcharge fee imposed by the ATM itself. 

However, Cash App offers ATM benefits if you set up direct deposit. Customers who get $300 (or more) in paychecks directly deposited into their Cash App in a given calendar month qualify for unlimited free withdrawals at in-network ATMs. One out-of-network withdrawal per 31 days will also be instantly reimbursed. Each time you receive another $300 (or more) in paycheck direct deposits in a given month, free withdrawals will be extended for an additional 31 days.

But what ATMs are considered in-network for Cash App? 

Cash App primarily uses the AllPoint ATM Network. ATMs within this network are referred to as its in-network ATMs. AllPoint ATMs are commonly found at gas stations, convenience stores, and retail stores like Target, CVS, and Walgreens. Cash App has also partnered with 7-Eleven to provide free ATM withdrawals at select locations.

While not officially confirmed, experts believe that Cash App has partnered with several ATM networks to offer free withdrawals at select locations. And most commercial banks in the US (banks that have consolidated assets of at least $300 million), including major institutions like Chase, Bank of America, Wells Fargo, and US Bank, allow Cash App users to withdraw funds for free. 

How to Find In-Network Cash Card ATMs

ATMs with fee-free Cash Card withdrawals will be branded with the Cash App or MoneyPass logo. But there are a few ways you can search for in-network Cash Card ATMs, too.

First, you can search by network. For example, if you know ATMs that connect to the AllPoint ATM network offer free withdrawals, you can search for AllPoint ATMs near you. Or, if you know that Cash Card withdrawals are free at certain commercial banks, you can search by bank name for ATMs near you. 

But the easiest way is to simply check within the Cash App itself. By using the “Find an ATM” option within the Cash App, you can quickly identify in-network ATMs and avoid unnecessary fees. Just open the app, select the Cash Card icon, and click “Find an ATM”. 

Before getting started, you will be informed that you can withdraw from any ATM in the world and pay lower fees at the ATMs listed on their map. It also explains that all in-network withdrawal fees and 1 out-of-network withdrawal fee each month you direct deposit $300+ will be instantly reimbursed.

Once you allow Cash App to use your location, icons will appear on your map indicating locations with in-network ATM machines. Clicking an icon will provide you with the associated fees for using that ATM. Keep in mind that you will still be charged $2.50 unless you receive direct deposits to your Cash App. 

Why Does Cash App Charge ATM Fees?

Cash App isn’t a bank, so why does Cash App charge ATM fees? Well just like a bank, Cash App incurs costs to process transactions, which are passed on to users in the form of fees. Cash App has to pay fees to connect your card to the processing networks. This is how communication takes place to let the ATM machine “know” that you have funds available to withdraw. In most cases, this fee is passed on to the card user.

How Does a Cash App Card Compare to a Debit Card?

A Cash App Card is similar to a debit card in that it is linked to an account balance and you can use it for purchases, ATM withdrawals, and direct deposit. 

Cash App does not require a traditional bank account which makes it particularly convenient for low-income individuals and young adults. Plus, there are no overdraft fees; with a Cash App account, you can only spend what’s available. However, debit cards from banks typically offer stronger fraud protections and customer service than Cash App.

ATM fees and withdrawal limits differ as well. While ATM fees vary by bank, Cash App charges $2.50. Traditional debit card withdrawal limits generally range from $300 to $1,500 per day, depending on the bank and account type. Cash App withdrawal limits include $1,000 per transaction, $1,000 per 24 hours, and $1,000 per 7-day period.

Use a debit card if you need full banking services, direct deposits, bill pay, and higher security. Use a Cash App Card if you mainly use Cash App, want a simple spending option, and don’t need a full bank account. A traditional debit card is better if your bank offers free in-network ATMs or fee reimbursements. A Cash App Card might be preferred if you receive $300+ in direct deposits monthly to get ATM fees reimbursed.

How Does Cash App Charge ATM Fees Affect Independent ATM Owners?

Are you an independent ATM owner? Don’t worry. Fee reimbursement from Cash App (or any bank) does not directly impact independent ATM owners.

ATM operators still charge their fees. Independent ATM owners make money by charging users a surcharge fee (usually $2–$5 per transaction). Even if Cash App reimburses the user, the ATM owner still receives their fee as usual.

Cash App covers the cost for the user. When Cash App reimburses ATM fees, they credit the user’s Cash App balance after the transaction. The user still pays the fee upfront, but Cash App later refunds them, meaning the ATM owner gets paid regardless.

There is no loss to ATM owners. Unlike some bank networks that negotiate lower fees for their customers, Cash App’s reimbursement doesn’t affect what ATM owners receive. The reimbursement comes from Cash App’s funds, not the ATM operator’s earnings.

So, independent ATM owners still profit from fees, regardless of whether a user’s bank or app reimburses them later. 

Conclusion

So, does Cash App charge ATM fees? Yes. Are there ways to minimize them? Also yes.

If you have a traditional bank account and convenient access to in-network ATM machines, take advantage of fee free withdrawals with your debit card. But if you find yourself far from an ATM that is within your bank’s network, it might be easier and cheaper to find an ATM within Cash App’s network. If you don’t have a traditional bank account at all, take steps to minimize Cash App ATM withdrawal fees by using in-network ATMs and setting up direct deposit.

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