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Where can I use my Cash App Card for Free? 🥇| Never pay a Fee

Where can I use my Cash App Card for Free? 🥇| Never pay a Fee

Cash App is a fantastic service that can completely change the way you use your money. It enables you to receive and send money without incurring a fee, and you can even get a Visa debit card to spend money directly from your account.

You can use your Cash App card for free at any ATM, providing you have deposited $300 in the last 31 days. Cash App wipes out three ATM fees up to $7 every 31 days, as long as you have made a deposit of at least $300 in this period.

With all of those advantages, you'd expect a huge penalty on fees. That's not the case at all, though. Cash App will reimburse any fees you incur from using your card.

You just need to be smart about how you use it. The following is our guide to where you can use your Cash App card for free.

Top up $300 every month and Cash App will repay any ATM fees you incur

That's right. You can use your Cash App card for free at any ATM that accepts a Visa debit card.

Cash App isn't interested in charging you lots of money to access your account. They want you to spend it. However, they do ask for one thing in return. Money.

The bottom line here is that you need to keep putting money into your Cash App account if you don't want to pay any fees for withdrawing money.

That includes any charges that an ATM applies to your transactions, as well as fees from Cash App themselves.

Providing that you've topped up at least $300 in that month, all of those fees will be reimbursed. There are some limitations to this, though, which we'll go through now.

If you're worried about how to make a direct deposit on Cash App, check out our handy guide here.

Per Purchase Fee

Unfortunately, Cash App does charge you on a per purchase basis. If you want to avoid fees, then don't use your card to pay for anything.

Instead, you're better off withdrawing money from the account using that card. However, you'll want to follow the advice in this guide to avoid paying any ATM fees.

ATM Fees – $2 Per Transaction

While Cash App will reimburse fees you're charged at ATMs, they'll only do it for three charges in a 31 day period.

Those fees are limited to $7 each as well. So if you're charged two $6 fees and one for $10, you'll still have to pay $3 in ATM fees for that month.


To avoid ATM fees, you need to make an initial direct deposit of $300 and make the same, or a larger, deposit every month.

If you don't do this, Cash App will charge you $2 for every transaction at an ATM.

How do you use your Cash App card for free at ATMS?


If you don't want to worry about paying ATM fees, and you can't deposit $300 every month, you need to do some research.

Search online for ATMs near you that don't charge a fee. Often you'll find that these are in supermarkets. There will always be one nearby.

Of course, if you're not putting at least $300 into your Cash App account by direct deposit every month, you'll be charged ATM fees by Cash App regardless.

This is where it can be tricky to understand how the system works, and that's when you start paying unnecessary charges.

Set an Alert to Direct Deposit $300 Every Month


If you want to make the most of Cash App and your Cash App card for free, then you need to be smart.

Set an alert on your mobile to deposit at least $300 on the same day each month.

If you're worried about being able to afford food, don't be. Without the risk of incurring an ATM charge, you can withdraw money using your Cash App card throughout the month.

You could even deposit your entire food budget for the month.
This will help you segment your money and stick to a budget without risking any charges on your Cash App card.


We understand that this is a lot to take on board. It's also not possible for everyone to make a direct deposit of $300 into their Cash App account every month.

It's all a matter of working within your means. If you can't afford to make that kind of deposit each month, then don't use your Cash App card at an ATM until you can.

You're better off saving your money and being sensible with it. Instead, try opening a savings account to deposit what you can into each month.


Cash App might be a great online banking service, but it's also very awkward when it comes to ATMs. With most other banks, you'll only be charged a fee when the business or ATM charges it.

Having to consider that your bank will charge you a fee for doing something as simple as withdrawing cash can be quite taxing.

However, the whole point of Cash App is that you can transfer money between accounts without a fee.

If you're taking cash out at ATMs regularly to pay friends or family, why not get them to get a Cash App account so you can do it without incurring a charge?

This avoids the need for that $300 monthly deposit and makes life easier for everyone.