How To Add Cash To Cash App Without Debit Card?

For most people, cards are the most preferred form of payment. A recent survey says almost 60% of consumers in the United States still prefer using debit and credit cards as a convenient payment method.

Debit cards deduct money directly from your checking account and don’t require the need to carry cash or physical personal checks when making purchases. An advantage to using a debit card is not going into debt and running a negative balance unless you have overdraft protection from your bank. If not, your payment may fail for your protection.

However, some people may lack access to a debit card or prefer another payment method, such as a credit card or cash. For example, Cash App doesn’t require you to use its Cash Card if you prefer to use the app.

So, how do you add cash to Cash App without a debit card?

Short Answer: There are multiple ways to add money to your Cash App account without using a debit card, such as depositing funds from a linked bank account, mobile check deposit, or receiving money from others.

Our comprehensive guide teaches you how to successfully add money to Cash App without a debit card by using a barcode.

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How To Add Money To Cash App Without a Debit Card?

The popular Cash App, an online peer-to-peer money transfer app, has over 36 million monthly active users. It offers features including low or no fees on most services, a free Cash App Visa debit card, the ability to trade stocks and Bitcoin, and ways to add money to the app without using a debit card. However, you cannot use your Cash App card overseas.

Here are the ways to add money to Cash App without a debit card: 

Bank Account

You must link them together before you can transfer money from your bank account to your Cash App account.

Steps to link your bank account to Cash App:

1. Launch Cash App on your mobile device.
2. Click the “Banking” tab on the home screen. 
3. Select “Link Bank” using Plaid.
4. Link by following the on-screen instructions for bank information, such as routing number and account number.

Steps to change your linked bank account to Cash App:

1. Launch Cash App on your mobile device.
2. Select the “Banking” tab on the home screen. 
3. Tap “Linked Banks or Linked Accounts.”
4. Choose the linked bank account you want to delete or change. 
5. Select “Remove Bank or Replace Bank.”
6. Replace by following the on-screen instructions to add a new bank account.

Steps to add money to your Cash App account from your bank account:

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1. Launch Cash App on your mobile device.
2. Select the “Banking” tab on the home screen. 
3. Tap “Add Cash.”
4. Enter how much money you want to add.
5. Select “Add.”
6. Confirm the process by entering your PIN code or using Touch ID. 

In addition, it’s possible to add money to your Cash App account using someone else’s bank account. However, they must provide you with their banking information.

Adding someone else’s bank account information to your Cash App would be the same process. But, you’ll have to be responsible for any privacy and security risks.

See our guide on depositing a money order at an ATM.

Mobile Check Deposit

Cash App offers a mobile check deposit option to deposit checks using your app. Users can take a picture of the front and back of a check and then deposit the check using Cash App instead of going to the bank. The process is known as remote deposit capture.

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Steps to successfully deposit a check on Cash App:

1. Launch Cash App on your mobile device.
2. Select the “Balance” tab on the home screen.
3. Scroll down and choose the “Deposit a Check” option.
4. Enter the deposit amount of the check.
5. Take a photo of both sides of the check using your phone’s camera.
6. Confirm transaction details.

See our guide on why Cash App says pending payments will deposit shortly.

In-Store

You can deposit money on your Cash App at stores like 7-Eleven, Walmart, etc.

Steps to add money to Cash App in-store:

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1. Launch Cash App on your mobile device.
2. Select the “Bank” icon on the home screen.
3. Choose “Paper Money.”
4. Select a nearby retail location to deposit money.
5. Once confirmed, go to your selected location.
6. Visit the store counter and inform the employee of your transaction.
7. Opt to “Show Barcode” and follow the prompts.
8. Once your barcode is scanned, the process is complete.
9. You’ll receive your money with fees deducted from the transfer.

The paper money feature lets you deposit money into your Cash App account whether you have a Cash App card. If the cashier asks you to swipe or insert your card for the deposit, instead tell the cashier to scan your QR code.

You can usually deposit money into your Cash App account for a $1 transaction fee. In addition, there’s a minimum deposit of $5 and a maximum deposit of $500.

A paper money deposit in Cash App cannot exceed $1,000 per rolling 7-days and $4,000 per rolling 30-days. Also, bring your ID for verification, if necessary.

However, it is worth noting that not all Cash App users have access to Paper Money deposits because the feature is still being rolled out. Therefore, make sure your Cash App version is up to date before adding money to Cash App without a debit card.

See our guide on linking a credit card to Cash App, prepaid cards, and Varo.

Receive Money From Someone 

Cash App is an online peer-to-peer payment platform that allows you to send and receive money between friends and businesses. It’s an easy way to receive money on Cash App without using a debit card.

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Cash App users can request money via email address, Cashtag name, mobile number, or username.

Steps to transfer money on Cash App using Cashtag or email address:

1. Launch Cash App on your mobile device.
2. Select the “Dollar” icon on the app home screen.
3. Enter the amount of money you are requesting.
4. Next, enter the email address, $Cashtag, or mobile number of the person you would like to request money from.
5. Type a note or reason to request the money so you’re not sending money anonymously. You don’t want the recipient to think it’s a fake Cash App payment screenshot generator.
6. Confirm by tapping “Request.”

Learn if someone can hack your Cash App with your Cashtag and phone number.

PayPal

You can transfer funds from your PayPal account to your Cash App account; however, the process is not as straightforward. Currently, the two money transfer apps don’t integrate, but we created a workaround by linking via a shared bank account.

Basically, you need to link your bank account to Cash App and then link your PayPal account to the same bank account.

Once your bank account has been linked to Cash App, here are the steps to link your bank account to PayPal:

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1. Log in to your PayPal account. 
2. Select “Wallet.”
3. Go to “Link a Bank Account.”
4. Select your bank. Alternatively, if your bank isn’t listed, you can manually enter your bank account details or use your online banking login information.
5. Confirm by clicking “Agree and Link.” 

You can then transfer money to the bank account once you’ve successfully linked the same bank you added to Cash App to PayPal. In addition, it takes up to three days to transfer money from PayPal to Cash App direct deposit.

See our guides on linking Google Pay and Apple Pay to Cash App.

How to Use Cash App Barcode to Load Money?

Instead of swiping your Cash App card, you can scan your barcode to use the paper money deposit feature.

Steps to use the Cash barcode to load money:

1. Launch Cash App on your mobile device.
2. Select the “Bank” icon on the home screen.
3. Choose “Paper Money.”
4. Select a nearby location to deposit money.
5. Check for the option “Show Barcode.”
6. Once confirmed, go to your select location.
7. Visit the store counter and inform them you’d like to load money on your Cash App.
8. “Show Barcode” and follow the prompts.
9. The process is complete once scanned.
10. You’ll receive your money with fees deducted.

The barcode is valid for only 30 minutes per transaction once confirmed.

See our guide on places to load Cash App card near me.

What Places Take Cash App Barcode to Load Money?

Depositing paper money on Cash App is easy for users because it’s partnered with multiple retailers.

The following places accept Cash App barcodes to load money onto your account:

• 7-Eleven
• Walmart Customer Service Desks and Money Centers
• Walgreens
• Family Dollar
• Sheetz
• KwikTrip
• Dollar General
• H-E-B
• GoMart
• StopNGo
• Speedway
• Thorntons

Use the Cash App paper money store locator to find a nearby gas station or retailer to make deposits.

See our guide on where to find free ATMs for Cash App near me.

Add Cash To Cash App Without Debit Card Summary

Cash App provides multiple ways to add money to your account without using a debit card. For example, you can make deposits from a bank account, check deposit feature, in-store without a card, or receive money from friends and loved ones.

In addition, you can transfer money from your PayPal account to your Cash App by linking a shared bank account.

See our guide on how to transfer money from Chime to Cash App.