How To Use Cash App Without SSN?

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Cash App is one of the applications for anyone who needs to transfer and receive money within the US. It has added perks that enable users to buy and sell bitcoin, which is a good investment opportunity an investor may not ignore. When you sign up for a Cash App account, you’ll have a digital account that saves you from walking around with your money.

Also, you can make payments in online stores and withdraw cash on ATMs using Cash Card. Within 5 minutes, you can create a Cash App account and enjoy using all these services. To enjoy sending and receiving many, you need Cash App SSN verification.

What is SSN

Wait a minute, what is Cash App SSN? In short, SSN is an abbreviation of Social security number and comprises a 9-digit number. It’s given to American citizens or those born in the US. However. Immigrants can also be given the SSN under certain conditions.

The government uses SSN to track lifelong earnings and establish benefits for the social security of American citizens. SSN is also an identification number used in official documents and applications. Like Passport numbers, SSN is also a very important identification number. The government expects its citizens to apply for SSN, but the process requires proof of immigration status or US citizenship.

Read: Why is My Cash App Account Closed? Reopen Cash App Account

Why does Cash App Request for SSN?

We need to understand something, and it’s not mandatory to enter your SSN to use Cash App. As a user, you can fill in your SSN or ignore it. However, you must prove your identification on Cash App before having access to full features.

If the transaction limit set by Cash App is enough for you, then it’s possible

to keep using Cash App without SSN. This is because Cash App uses your SSN to verify your account and prevent the possibility of cryptocurrency withdrawals from being mishandled. With clear information on why you need Cash App SSN verification, let’s see if there is a way to use Cash App without SSN.

How to use Cash App without SSN

As mentioned earlier, Cash App provides a better way to pay and be paid back. However, those without SSN may find the app’s operation quite frustrating as limitations take effect. Luckily, you can easily use Cash App without SSN using the following steps

  • Download Cash App Application from App Store or Google play store
  • Once installed, launch the app and create your account using your email address
  • Connect your Cash App account to your Debit Card
  • Once logged in, navigate to the “Send Money” tab, then click on “I don’t have an SSN.”
  • Enter the recipient’s phone number, then select “Request” or “Pay.”

Hold on for a little while until the recipient receive a notification with a transaction code

  • The receiver should then enter the sent code into the verification space
  • If the code is entered correctly, then the transaction should be completed

If the transaction is incomplete, you must check if you are still within the receiving/sending limit. Many unverified accounts often face this common problem.

Getting Debit Card without SSN

In the above step, we have mentioned that you link your debit card to the Cash App account; the only question you may ask is, how do I get a debit card without SSN? Using a Cheese Debit card, you can save on transaction fees and enjoy cashback benefits.

To get a cheese debit card, the applicant can provide proof of identity in a valid VISA, Passport number, or US address.

This is the best alternative for immigrants or international students who can’t meet the qualification of receiving SSN. This card offers fee-free banking, 10% cashback on every purchase/transaction, $5 signup bonus, among other perks.

How much can I send or receive in Cash App without SSN?

Without Cash App SSN, you won’t be able to verify your account. Under such circumstances, Cash App will categorize your account as an unverified user.

Unverified accounts have limitations when it comes to receiving and sending money. As an unverified Cash App user, you can only send up to $250 weekly.

On the other hand, you can only receive a maximum of $1000 monthly. This may sound limiting, but you can use Cash App without SSN if this doesn’t bother you.

If you attempt to send money above your limit, you’ll be prompted to verify your account by providing your SSN. When you verify your account, your limit will increase in that you can send up to $750 weekly and receive an unlimited amount of money.

How long does it take to complete a Cash App transaction without SSN?

Cash App provides a convenient way for users to receive and send money almost instantly. Once you send the money, it will be deposited into the recipient’s Cashtag account, and they can spend it. However, there are two ways of sending money on the Cash App.

Using standard deposits, you can expect zero fees and wait for 1-3 business days to complete the transaction. However, you can consider a second option known as an instant deposit which completes the transaction in seconds but demands for 1.5% transaction fee.

Can I trust Cash App with my SSN?

Cash App hands personal identification documents with absolute privacy like any other financial institution. This keeps your SSN away from online threats.


If you had no idea of where to start because you have unwilling to provide it, then this article on Cash App SSN may have shed light on your path. However, it’s recommended to use a verified Cash App account for the same reasons we’ve mentioned. But remember that you can always use the Cash App account without SSN as long as you stay within your limit and don’t violate any of the Cash App policies.

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