How to Increase Your Cash App ATM Withdrawal Limit: The Ultimate Guide

Jun 5, 2025 - 15:06

0 5

How to Increase Your Cash App ATM Withdrawal Limit: The Ultimate Guide

Cash App is a convenient financial platform for sending money, receiving payments, and withdrawing funds. However, users often face restrictions when it comes to ATM withdrawals. This guide provides a complete roadmap on how to increase your Cash App ATM withdrawal limit, including exact limits, upgrade steps, and essential FAQs.

Understanding Cash App ATM Withdrawal Limits

Cash App imposes standard ATM withdrawal limits to protect user accounts and comply with banking regulations. These limits apply to all users but can be increased through account verification.

Standard Cash App ATM Withdrawal Limits

Limit Type	Amount
Per Transaction	$310
Per Day	$1,000
Per 7-Day Period	$1,000

These limits are applicable when using the Cash App Card at any ATM in the United States that supports Visa debit transactions.

How to Increase Your Cash App ATM Withdrawal Limit

To boost your Cash App ATM withdrawal limit, you need to verify your identity and upgrade your account. Follow these steps carefully.

Step 1: Verify Your Identity

Open Cash App.
Tap your profile icon.
Scroll to and select "Personal".
Enter your:
- Full legal name
- Date of birth
- Last 4 digits of your SSN

Note: If Cash App can't verify your identity with this data, you may be asked to submit a photo of a government-issued ID and take a selfie.

Step 2: Enable Direct Deposit

Having direct deposit enabled often boosts your account’s functionality and may unlock higher ATM limits. Here’s how:

Tap "Banking" on the home screen.
Select "Direct Deposit".
Get your account and routing numbers.
Provide these to your employer or benefits provider.

Step 3: Maintain a Good Account History

Consistent usage, receiving deposits, and avoiding disputes can help you unlock extended Cash App limits and advanced features.

Verified vs. Unverified ATM Limits

Once your account is verified, you may access higher limits, although Cash App does not publicly disclose exact post-verification ATM withdrawal caps. Some users report higher withdrawal capabilities depending on transaction history and account tenure.

Account Status	Daily Limit	Weekly Limit	Monthly Limit
Unverified	$1,000	$1,000	$4,000
Verified	Up to $2,000	Up to $2,500	Case-by-case

These figures vary based on usage history and Cash App’s internal risk evaluation.

ATM Fees and Free Withdrawals Explained

Cash App charges a $2.50 fee per ATM withdrawal, but you can get reimbursed if you meet certain criteria.

How to Qualify for ATM Fee Reimbursement

Receive $300+ in direct deposits within a 30-day period.
Once qualified, ATM fees (up to 3 per 31 days) will be reimbursed automatically.

Why Your Cash App ATM Withdrawal Isn’t Working

If you're having trouble withdrawing cash from an ATM using your Cash App Card, these could be the reasons:

Exceeded daily/weekly limits
Incorrect PIN entry
ATM out of service
ATM doesn't support Visa
Cash App account under review
No sufficient balance

Check your transaction history or contact Cash App support directly via the app for troubleshooting.

Cash App ATM Withdrawal vs. Bank Withdrawal Limits

Feature	Cash App Card	Traditional Bank Card
Daily ATM Withdrawal Limit	$1,000	$300–$2,500 (varies)
ATM Fee	$2.50	Often $0 at in-network
Fee Reimbursement	Yes (eligible)	Rare or limited
Instant Transfers	Yes	Depends on the bank

Pro Tips to Maximize Your Cash Access

Use Direct Deposit: Ensure $300+ monthly deposits to waive ATM fees.
Use Cash Back at Stores: Some retailers let you withdraw cash with a purchase.
Plan Withdrawals: Withdraw larger sums less frequently to stay under limits.
Split Withdrawals: Use multiple ATMs or wait for the daily reset at midnight CST.

Frequently Asked Questions

Can I raise my ATM withdrawal limit above $1,000 per day?

Yes, by verifying your identity and building account history, you may unlock higher limits.

How often can I withdraw from an ATM with Cash App?

You are limited to $1,000 in total withdrawals per 24 hours and 7-day period unless upgraded.

What time does the Cash App ATM limit reset?

Limits reset at midnight Central Standard Time (CST).

Will Cash App notify me when I qualify for higher ATM limits?

No, but you'll notice the change in withdrawal capacity after successful verification and usage.

Can I withdraw from international ATMs?

No, Cash App does not support international ATM withdrawals. Only U.S. Visa-compatible ATMs are supported.

Conclusion

Raising your Cash App ATM withdrawal limit requires verification, responsible account usage, and enabling direct deposit. Once upgraded, users enjoy higher daily caps, fee reimbursements, and increased flexibility. Follow the steps in this guide to unlock your Cash App's full ATM potential.