Cash App's Terms of Service are strict and clear. Any account that doesn't comply with these terms typically gets banned as soon as their systems flag it.
Now, you might think this is an unfair decision, which probably is, but Cash App is just doing its job to keep the platform safe for everyone.
While you cannot do much when your Cash App account gets banned, I will show you the steps you need to take to get unbanned from Cash App.
Why Did I Get Banned from Cash App?
Before even looking to unban your Cash App, it is even more crucial to know why you got banned so you won't make the same mistake next time.
Cash App, just like any other service out there, has Terms of Service that need to be respected by customers, and anyone who goes against these terms can get their account restricted, locked, or banned in the worst of cases.
That said, below are the possible reasons why your Cash App got banned.
1. Your Account Was Involved in a Suspicious Activity
The main reason why Cash App bans accounts is because their systems have identified the account as involved in suspicious activities. The suspicion here goes beyond what you might be thinking and isn't just about being the author of a Cash App scam or carrying out fraudulent activities. You can also get flagged for receiving payments from an account that was flagged for violating the Terms.
This is why it is always recommended to do business only with people you know and trust on Cash App. Besides, even Cash App recommends this.
2. You Were Flagged for Identity Fraud
Identity fraud is another common reason most people get banned on Cash App, and the worst is that most of them don't even know it.
Sure, it is not illegal to have multiple Cash App accounts, besides Cash App allows it—but things get complicated when you use the same details to create more than one Cash App account.
That said, if you use the same email, phone number, or even debit card to create more than one Cash App account, only one of these accounts will remain standing as the others will get locked or banned until you take action.
Cash App only authorizes you to have more than one account if and only if you use different information to open these accounts. Using the same information you used to open another Cash App account means fraudulently using someone's identity (even if it is yours), which violates the Terms of Service.
How to Get Unbanned from Cash App
Now that you know what could possibly lead Cash App to ban your account, you're on the right path to get your account unbanned.
That said, here are the three steps to follow when looking to unban your Cash App account.
Step 1. Withdraw Your Funds from Cash App
One thing I appreciate about Cash App is the consideration they have for customers with a banned account by giving them the possibility to get their funds out of the platform in case they want to focus on other payment services or just quit the service.
That said, the first thing you'll want to do is withdraw the money left in your Cash App balance before things get worse with your account or them restricting your access to your funds after a further review of your account.
To withdraw your funds from Cash App:
- Open your Cash App mobile app.
- Tap the Money tab on your Cash App home screen.
- Select "Cash Out".
- Enter an amount and deposit speed.
- If required, confirm using biometrics or your PIN.
You can withdraw funds through the standard or instant deposit option, just as any other Cash App account will do.
Step 2. Identify and Acknowledge Your Violation
One thing I've learned about these leading giants, be it in the financial sector or any other space, is that they appreciate the sincerity of their users, and this goes with acknowledging your mistake or violation after your accounts get flagged.
That said, you'll want to take time and go through your recent activity on Cash App to know what you did that could have possibly violated their terms.
After you've identified the violation, you can proceed to the next step.
Step 3. Contact Support and Appeal their Decision
Now comes the final step, where you'll have to reach Cash App support and appeal their decision. It is the most crucial of all the three steps.
To contact Cash App support:
- Tap the profile icon on your Cash App home screen.
- Tap Support.
- Tap Something Else.
- Navigate to your issue.
- Tap Contact Support.
You can also reach out to Cash App support by calling the phone number 1 (800) 969-1940 between 9 AM to 7 PM ET.
You need to tailor your message to get their attention. It isn't much of a big deal, and you can use the key points I've highlighted below to grab Cash App's attention.
- Identify and acknowledge your violation.
- Explain how it happened.
- Tell them you've gone through their Terms a few more times to understand what they stipulate.
- Promise to follow and respect these terms accordingly and appeal for the reinstatement of your account.
Don't make your words look like jargon—be clear and direct with what you have to say while being polite at the same time.
According to Cash App, they can take up to 30 days to review your account to determine whether it is eligible for an appeal. So all you'll have to do after reaching out to them is to simply wait.
I know it is much of stress, but there's no way to go around this unless you know Cash App's director or CEO.
What You Can Do If Cash App Doesn't Unban Your Account
While I don't like giving unfortunate news, I believe it is worth mentioning that not everyone stands a chance to get unbanned on Cash App. So, if you're one of these unfortunate users who didn't get their accounts unbanned, there's still a way to continue using Cash App (if you wish to continue using the service, of course).
That said, the best thing you can do if Cash App didn't unban your account is to create another Cash App account with different information from the one that got banned. That is, you use a different phone number, email address, and debit card or bank account. This way, the new account will look completely different from the one that got banned.
You don't need to worry about your finances—after all, you already withdrew your funds from Cash App in the first step highlighted earlier.
Cash App Banned My Social Security Number
Cash App bans social security numbers that have been used to create multiple Cash App accounts or that were used to create at least one account that was involved in a fraudulent activity.
There's not much you can do if Cash App bans your social security number unless you reach out to their support and explain the issue to them.
Final Thoughts
Cash App banning accounts is no new thing as they are clear with their TOS, and any account that goes against these terms typically gets banned.
This guide compiles the steps you can take when Cash App bans your account, and if you read all that's been highlighted, there's a big chance you'll get your account unbanned.