Software & AppsAppsCash App

What ATMs Don’t Charge for Cash App?

Atm Withdrawal

Cash App is not only known for its mobile app, but they issue cards as well. With the Cash App card, you can withdraw funds from any ATM. However, withdrawals with Cash Cards will attract fees ranging from $2 to $2.50 charged by Cash App, plus an additional fee charged by the ATM provider. If you don’t want to pay these withdrawal fees, what ATM can you use to avoid them? 

Quick Answer

Generally, when you use a different card at an ATM, you will be charged a withdrawal fee, and unfortunately, Cash App does not have an ATM. However, you can avoid getting charged by taking advantage of the Cash App Save at the ATM or by linking your bank to Cash App and withdrawing from your bank ATM

While the charges for using a Cash App card might seem discouraging, the card has so many uses. For example, you can use the Cash App card at online stores as it is a Visa debit card. You can also use it in-store and with Apple Pay and Google Pay. However, if you’d want to withdraw money with a Cash App card, then keep reading to learn how to do it for free without incurring any hidden costs. 

How To Withdraw From an ATM Using Cash App for Free? 

Under normal circumstances, you will be charged when you withdraw with the Cash App card. However, if you do not want to pay this fee, you can use a workaround to avoid the fees. 

Below are two methods to withdraw money from an ATM using Cash App without paying. 

Method #1: Using the Cash App Save at the ATM feature 

Cash App has a feature that covers ATM fees, including ATM operator’s fees. To qualify for this feature, you must make a minimum deposit of $300 or more in paychecks directly deposited into your account each month. However, this option is not available to every user. An unemployment insurance deposit can also qualify for the ATM reimbursement option. 

Here’s how to activate direct deposit with Cash App to withdraw from ATM without charge.

  1. Launch the Cash App on your device and navigate to the “Banking” tab from the home screen. 
  2. Below your account balance, tap on the routing and account number and tap on the “Copy Account Details” option. 
  3. When prompted for a bank account during the direct deposit setup, provide the routing and account number. 
  4. Go to the “Banking” tab, click “Direct Deposit”, and select “Get Direct Deposit Form”
  5. Enter your employer details and the amount you will receive from your paycheck, and then sign the form
  6. Click on “Email Form”, enter the recipient address of who is in charge of disbursing the fund, and tap on “Send”

Method #2: Linking Your Bank Account to Cash App 

Another method to avoid the Cash App ATM fee is by linking your account to the Cash App. This way, you use your bank card at your bank ATM, thus avoiding the ATM charge, as your bank wouldn’t charge you for using your card at its ATM. And the transfer of the funds from Cash App to your bank account is free. The only downside of this method is that it does not work instantly, as it may take 1 to 3 business days for the transfer to go through.  

Here’s how to link your bank account to Cash App to withdraw from an ATM without charge.

  1. To link your bank account to Cash App, click on the profile icon, tap “Linked Banks”, select “Link Banks”, and follow the prompts. 
  2. To transfer money to your account, click on your balance at the bottom left corner of your screen, then choose the “Cash Out” option. 
  3. Select the amount you want to transfer, click on the “Instant” option at the bottom for a fee or the “Standard” option for free, and click on “Done”
  4. Go to your closest bank ATM and use your bank ATM to withdraw the fund. 
Keep in Mind

The ATM reimbursement option can cover 3 ATM withdrawal fees every 31 days and a total of $7 per withdrawal.


As you can see from this article, it is possible to withdraw at an ATM with your Cash App account without paying the ATM fee. However, you can only avoid this fee when you meet certain conditions. 

If you don’t use any of the two methods we elaborated on in this article, Cash App and the ATM provider will charge you for withdrawing from an ATM. Also, as you withdraw with your Cash App card, take note of the limit on your card

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