Skip to content

Why You Can‘t Quickly Transfer Money Between Venmo and Cash App

Hey there! Want to transfer money between Venmo and Cash App? I‘ve got you covered with this complete step-by-step guide.

I‘ll explain why you can‘t instantly send funds between the two apps. Then I‘ll walk you through how to transfer money from Venmo to Cash App in a few easy ways.

First things first – let‘s talk about why you can‘t instantly or directly send money from Venmo to Cash App with the tap of a button.

The main reason is that Venmo and Cash App don‘t actually share any payment infrastructure behind the scenes. They are completely separate systems.

  • Venmo is owned by PayPal
  • Cash App is owned by Square

These are two competing companies in the digital payments space. Allowing direct transfers between their apps doesn‘t offer them any business advantage.

In fact, it makes it easier for users to move money away from one platform to a rival. So neither company is incentivized to build that direct integration.

On a technical level, Venmo and Cash App also use different bank partners and payment processors to send and receive money. This prevents real-time interoperability between the two services.

According to 2021 statistics from Business of Apps:

  • Venmo has over 80 million active user accounts
  • Cash App has around 40 million active users

With huge user bases, Venmo and Cash App lead the peer-to-peer payments space in the US.

But their back-end infrastructure remains separate. So while you can’t instantly send money between the two apps, a few easy workarounds do exist!

Now let‘s dive into step-by-step instructions for three proven methods to transfer funds from Venmo over to Cash App…

The simplest way to move money from Venmo to Cash App is to use direct deposit. This allows you to connect your Cash App account balance as a bank within Venmo.

You can then initiate transfers from your Venmo balance over to your Cash App balance. It usually takes 1-3 business days to fully go through using this method.

Here are the detailed steps:

Step 1: Get Your Cash App Account Details

First, open up the Cash App on your phone.

  • Tap the profile icon in the top-right corner
  • Select "Direct Deposit"
  • Tap "Get Account Number"

This will display your unique Cash App account details, including the routing number and account number.

You‘ll need these to add your Cash App as a bank account in Venmo later.

Step 2: Copy Your Cash App Account Details

  • Tap "Copy Routing Number" to copy it to your clipboard
  • Then tap "Copy Account Number" to copy it

This automatically copies your Cash App‘s routing number and account number so you can paste them into Venmo.

Step 3: Add Cash App as a Bank in Venmo

  • Open the Venmo app on your phone
  • Tap the ☰ menu icon in the top-left corner
  • Select "Settings" in the menu
  • Choose "Payment Methods"
  • Tap "Add a Bank Account"
  • Select "Bank" when prompted to link a bank
  • Paste your Cash App account details when asked

Carefully paste the Cash App routing number and account number you copied earlier into Venmo.

Follow any additional prompts to securely link your Cash App account info to your Venmo account. Verify confirmation codes sent via text if required.

Step 4: Transfer Money from Venmo to Cash App

You‘re now all connected and ready to transfer funds:

  • Open the Venmo app and tap the ☰ menu
  • Choose "Transfer Money" in the menu
  • Select your connected Cash App account
  • Enter the amount you want to transfer
  • Hit continue and confirm the details
  • Submit the transfer

The money will now transfer from your Venmo balance over to your Cash App balance via direct deposit. Just give it 1-3 business days to fully complete.

And that‘s it! By using direct deposit, you‘ve connected your Cash App account as a bank in Venmo for easy transfers.

Another way to move money from Venmo to Cash App is by adding your Cash Card as a payment method within Venmo.

The Cash Card is a free debit card offered by Cash App that lets you spend money from your Cash App balance in stores or online.

By linking your Cash Card to Venmo, you can quickly transfer funds between the two apps.

Here are the steps to connect your Cash Card:

Step 1: Get Your Cash Card Details

First, make sure you have a working Cash Card already connected to your Cash App account.

If you haven’t ordered one yet, you can request a free Cash Card directly from the Cash App. It arrives within 5-7 business days.

Once received, open the Cash App and go to your Cash Card page to get the details. You‘ll need:

  • The Cash Card number
  • Expiration date
  • CVV security code

Having these handy will make linking your card to Venmo easier.

Step 2: Add Your Cash Card to Venmo

  • In the Venmo app, tap the ☰ menu
  • Go to “Settings” then “Payment Methods”
  • Select “Add a Card”
  • Accurately enter your Cash Card details
  • Follow any prompts to confirm and link your card

This will securely connect your physical Cash Card as a payment method within your Venmo account.

Step 3: Transfer Money from Venmo to Cash Card

With your Cash Card now linked, you can quickly transfer money:

  • Open Venmo and tap the ☰ menu
  • Choose “Transfer Money”
  • Select your connected Cash Card as the transfer destination
  • Enter the amount you want to transfer
  • Review and confirm the details
  • Complete the money transfer

As soon as you submit it, the funds will instantly send from your Venmo balance over to your linked Cash Card. You can then spend the transferred money using Cash App or withdraw it at an ATM. It‘s instant!

You can also transfer money from Venmo to Cash App indirectly by using the same bank account connected to both services.

Here is a step-by-step walkthrough:

Step 1: Withdraw Funds from Venmo

First, you’ll need to withdraw the funds out of Venmo:

  • Open the Venmo app and tap the ☰ menu
  • Select “Transfer Money” then “Transfer to Bank”
  • Choose your bank account that‘s connected to both Venmo and Cash App
  • Enter the amount you want to transfer out of Venmo
  • Complete the withdrawal transfer

This will transfer the money from your Venmo balance over to your chosen bank account.

Step 2: Deposit Money into Cash App

Next, you’ll deposit the money into your Cash App:

  • Open the Cash App on your phone
  • Tap the Banking tab in the bottom menu bar
  • Select “Deposit”
  • Choose the same bank account you withdrew from in Venmo
  • Enter the amount to deposit that you withdrew from Venmo
  • Complete the deposit

The amount taken out of Venmo will now show up in your Cash App balance having been transferred via your connected bank account.

The main downside is transfers in both directions can take a few business days to fully complete using this method since it goes through an external bank.

But it works if you don‘t want to directly link accounts and want to keep things separate.

When transferring money between payment apps, you may be wondering:

How much can I transfer from Venmo to Cash App? Are there any limits?

The short answer is yes, there are weekly limits in place with both Venmo and Cash App. This caps the maximum amount you can transfer out of each service per week:

Venmo Limits

  • $299.99 weekly transfer limit for unverified accounts

  • $3,000 weekly transfer limit for ID verified accounts

Cash App Limits

  • $250 weekly withdrawal limit without ID verification

  • $7,500 weekly withdrawal limit for verified accounts

So the maximum amount you can transfer per week depends on your verification status with each app.

To lift your limits, be sure to complete identity verification in both the Venmo and Cash App settings.

You’ll need to provide official documents like:

  • A government-issued photo ID
  • Social Security Number
  • Potentially a utility bill to verify your address

With ID verification, you can transfer thousands of dollars each week between the two payment apps.

Next big question – does it cost anything to transfer funds between Venmo and Cash App?

The good news is that for the most part, transferring money between the two apps is completely free!

However, some transfer methods or special features may incur fees:

  • Venmo Instant Transfers: Venmo charges a 1% fee for “Instant” bank transfers, with a $0.25 minimum.

  • Cash Card Transactions: Cash App charges no fee for Cash Card purchases, but ATM withdrawals have a small fee based on amount.

  • Cash Advances: Adding funds via credit card could incur cash advance fees and interest.

As long as you use standard ACH transfers or your Cash Card for purchases, you shouldn‘t get hit with any fees moving money between Venmo and Cash App.

Now what if you don’t actually have a Venmo account set up, but still want to add funds to Cash App?

Not to worry, you still have plenty of options:

  • Bank Transfer: Link a bank account to transfer funds into Cash App for free. Takes 1-3 business days.

  • Debit Card: Instantly deposit money from a linked debit card, usually free.

  • ATM: Use Cash App’s “Cash Boost” to find fee-free ATMs to deposit physical cash.

  • Paycheck: Have your paycheck automatically deposited into your Cash App balance.

  • Cash Card: Deposit paper checks by taking a picture in the app or visit Green Dot reLoad locations to add cash.

  • Referral Bonus: Earn a free $5 bonus when a friend signs up using your referral code and sends $5.

  • Cash Back: Get rewards points and automatic cash back when shopping with Cash App’s Boosts that go into your balance.

As you can see, even without Venmo you have a ton of easy options to add money to your Cash App account!

While you can’t instantly or directly transfer money between Venmo and Cash App today, moving funds between the two apps is totally possible with a few simple extra steps.

Now you know how to safely and securely transfer money from Venmo over to Cash App in a few different ways:

  • Use direct deposit to link accounts behind the scenes

  • Add your Cash Card as a payment method in Venmo

  • Withdraw from Venmo and deposit into Cash App via a shared bank account

Each method only takes a few minutes of your time, with money showing up in Cash App within 1-3 business days typically.

So hopefully this guide gives you clarity on how to easily transfer funds between Venmo and Cash App! With this knowledge, you can take advantage of the unique features each app offers while smoothly moving money between the two platforms.

Let me know if you have any other questions!