With over 50 million active users, Cash App is definitely one of those payment services that have come to stay.
One of its standout features I love among all other payment giants is that it allows customers to use most of its features without having to verify their identity—and this includes transferring money through the app.
So if you're wondering how to send money on Cash App without SSN or ID verification, keep reading as this article outlines the steps you need to use the app seamlessly without verification.
Table of Contents
Why Does Cash App Require SSN Verification?
Cash App is a federally regulated money transfer service—meaning, it is obligated to create a Customer Identification Program to verify the identity of users completing transactions under the USA PATRIOT Act.
So don't be surprised the next time Cash App prompts you to verify your account because you can't bypass Cash App verification systems.
Can I Use Cash App Without SSN?
Yes, you can use Cash App without SSN—but that comes with many limitations and you won't have access to most of the app's core features.
With that said, you won't be eligible to apply for the Cash App card, receive direct deposits, sponsor an account, buy and sell Bitcoin, invest in stocks, or transfer money to your bank account.
However, you can still do a few things on the app such as resetting your forgotten PIN without SSN.
Can You Send Money on Cash App Without Identity Verification?
Yes, you can send money on Cash App without verifying your identity.
As an unverified Cash App user, you'll only be allowed to send $250 in 7 days and receive $1000 in 30 days and when you reach this limit and still try to transfer money, you'll be asked to verify your identity.
How to Send Money on Cash App Without SSN and ID Verification?
Now we know sending money on Cash App without verification is possible, let's see how you can get to do it.
So to do so:
- Open Cash App on your Phone.
- Tap the "$" sign.
- Enter the amount in dollars to send which should be equal to or less than $250.
- Tap "Pay" located in the bottom-right corner.
- Enter the Cash App email, $cashtag, or the Phone number of the recipient.
- In the "For" field, type the reason for the transaction.
- Click on the "Pay" tab.
- Enter your PIN to confirm your transaction and your money will be sent to the Cash App recipient.
You'll be able to transfer $7,500 in a week once you verify your account, and there won't be any limitation on how much you can receive.
How Long Does It Take to Send Money on Cash App Without ID?
Cash App to Cash App transfers are usually instant and this is regardless of whether an account is verified or not. However, if one of the accounts goes against Cash App's TOS, there's a great chance that the payment will remain pending for a long time until you take the necessary actions to complete the transfers.
How Much Can You Send On Cash App Without Verification?
As an unverified Cash App user, you are only allowed to send $250 in 7 days and receive $1,000 in 30 days on Cash App.
If you try sending or receiving more than the amount authorized for unverified Cash App accounts, you'll be required to verify your account by providing your ID, which includes your Social Security Number and other government-issued IDs.
Once your account is verified, your transfer limit will be lifted to $7,500.
How To Receive Money On Cash App Without SSN
You can receive money on Cash App without SSN — it is very easy and straightforward.
To do so, provide the sender with your phone number or email and ask them to send the funds through it. You won't be able to receive anything more than $1000 in 30 days and if your account goes beyond these limits, you'll be prompted by Cash App to verify your identity to unlock these limits.
You won't be able to withdraw the funds in your Cash App balance to your bank account until you verify your Cash App account.
How To Change SSN On Cash App
You cannot change your SSN on Cash App once it has been added and verified for your account. The only way to do so (if there's any) will be to close or delete your Cash App account.
However, before doing so, I recommend contacting Cash App support and inquiring if they can help with changing your SSN. You'll need to explain why you're looking to make the change and your appeal must be convincing for them to consider.
How To Remove SSN From Cash App
You cannot remove your SSN from Cash App once it has been verified for the account. Doing this will not only remove some security features from your account but will also make it ineligible for most of the app's core features (your account will become unverified). I believe that's why Cash App has not made this feature unavailable to users.
If there's a big need to remove your SSN from Cash App, I recommend contacting Cash App support for assistance. Again, your appeal needs to be very convincing for them to consider.
If Cash App support can't help, the only solution you'll be left with will be to delete your Cash App account, which is not what you want to do since this will delete all of your personal information and everything you have on Cash App.
Can You Share More Than $250 Without SSN and ID?
No, if you don't want to verify your account with your ID, you can't go over the $250 weekly limit.
So, if you've already sent $250 in the last seven days, you won't be able to send any more money; and if you keep trying, Cash App may ask you to verify your account with your SSN.
Cash App can even monitor your account for suspicious activity and need you to verify your account to gain access to it.
Fake SSN for Cash App
Your SSN is a very crucial element for verifying your identity on Cash App.
However, if you want to keep your real SSN private with Cash App (though its completely safe), you can use this fake SSN for Cash App to verify your account.
Frequently Asked Questions
What ID can I use to verify Cash App?
You generally need your full name, date of birth, last four digits of your SSN, and mailing address to verify your Cash App.
Can I send money with Cash App without SSN?
Yes, you can send money with Cash App without SSN. However, you will be limited to sending $250 per week and receiving $1,000 per month.
How do I use Cash App without SSN?
Simply download the Cash App, add your debit card details and start sending money. The SSN isn't a basic requirement for sending money with Cash App.
Final Thoughts
Cash App is a peer-to-peer payment app that allows users to transfer, receive, and invest money instantly.
When you first begin using Cash App, you'll be able to send up to £250 and receive up to £500 in any given 7-day period.
To keep Cash App secure, if you send or receive more than the limit, you will be asked to verify your account with your full name, date of birth, and address.
You can still use Cash App to send £250 in any 7-day period and receive up to £500 in any 7-day period without having to provide any additional verification.