How to Use Cash App Step by Step

Set up Cash App, link your bank account, and send or receive money — with safety tips to protect your account.

In this guide (6 steps):

1.Download Cash App
2.Create your $cashtag
3.Link your bank account
4.Send money
5.Cash out to your bank
6.Enable Security Lock

Download Cash App

~15s

Get Cash App from the App Store or Google Play Store. Open it, enter your phone number or email, and verify with the code sent to you.

Create your $cashtag

~15s

Choose a unique $cashtag — your public username for receiving payments (like $JohnSmith).

Link your bank account

~15s

Tap your profile → "Linked Banks" → enter routing and account numbers or add a debit card. Bank transfers are free.

Send money

~15s

Tap "$," enter amount, tap "Pay," search for recipient by $cashtag, phone, or email. Add a note and confirm.

Cash out to your bank

~15s

Tap "Cash Out" to transfer your balance. Standard is free (1-3 days); instant has a small fee.

Enable Security Lock

~15s

Go to profilePrivacy & SecuritySecurity Lock. This requires biometric or PIN authentication every time you open Cash App.

You Did It!

You've completed: How to Use Cash App Step by Step

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Cash App by Block (formerly Square) lets you send and receive money, invest, and buy Bitcoin. For most people, the main use is sending money to friends and family. Download Cash App, enter your phone number or email, verify with a code, and create a unique $cashtag (your Cash App username).

Link a funding source: tap your profile icon, then "Linked Banks." Enter your bank routing and account numbers or a debit card. Bank transfers are free; credit cards charge 3%.

To send money: tap the "quot; on the home screen, type the amount, tap "Pay," enter the recipient's $cashtag, phone number, or email, add a note, and confirm. Money comes from your Cash App balance first, then your linked bank.

When you receive money, tap "Cash Out" to transfer to your bank. Standard transfers (1-3 business days) are free; instant costs 0.5% to 1.75%.

Safety is critical. Never send money to someone you do not know. Never share your sign-in code with anyone. Cash App support will never ask for your PIN or sign-in code. If someone promises to "flip" your money, it is always a scam. Turn on Security Lock in settings to require Face ID, Touch ID, or PIN every time you open the app.

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Cash App

money transfer

payments

mobile banking

finances