Is Cash App International? List of Countries That Use Cash App

Cash App is a mobile payment app that offers convenient and fee-free transfers to other users. Moreover, you can also add funds to your account directly from your bank account using the Cash App card. The app’s advantages become even greater when you invite other people to use the app, as cash referral bonuses are given as a reward. However, Cash App has certain restrictions, such as limited access in certain areas. This guide summarizes Cash App’s international availability and all the countries where you can use Cash App.

Cash App is available only in the United States and the United Kingdom. Its purpose is solely to facilitate money transfers between these two countries. Additionally, it allows sending money internationally between these two countries.

Does Cash App work internationally? (US and UK only)

Unfortunately, individuals from countries other than the US and UK cannot access or utilize Cash App. The app is exclusively designed for users in the US and the UK. Cash App has imposed this limitation for its users, and no alternative method will enable non-UK and non-US residents to use their services.

The primary purpose of Cash App has always been to facilitate money transfers between its users. Unless Cash App undergoes significant alterations, this principle will remain unchanged.

While there used to be international transfer restrictions, Cash App has now made it possible to transfer funds internationally between the United States and the United Kingdom. However, you can’t use Cash App for international transactions outside of the United States and the United Kingdom. Users who want to send a payment anywhere besides the US or the UK will need to find an alternative service.

Can you send money internationally with Cash App? (Cash App international payments)

If you transfer money in US dollars (USD) from the United States to a user in the United Kingdom in British pounds (GBP), it is considered an international payment. The same applies when sending money back in the opposite direction. Cash App was previously hesitant to enable this international payment service, but now it is fully supported within the app. Cash App charges no exchange rate margin or transaction fees for international transfers.

When you send payments outside of the United States through your Cash App account, your payment is converted to British pounds (GBP) at the mid-market exchange rate applicable at that time. While this exchange rate may not be as favorable as what other services offer, it provides convenience if you prefer to keep all your funds within the Cash App. If you don’t have enough money in your Cash App balance for the payment, money will be withdrawn from your linked debit card or bank account.

Will Cash App expand to other countries?

Determining whether or not Cash App will expand its services beyond the US and UK is challenging. The decision solely rests with its parent company, Square Inc. Nevertheless, considering the recent inclusion of international payments, it is only a matter of time before Cash App enters new international markets.

Cash App’s expansion into new regions will be determined based on the demand for the app. As businesses adapt to the concept of these money-sharing apps, there is a possibility that Cash App may eventually be expanded to every country globally.

Cash App available countries

Regrettably, Cash App is not currently accessible in most countries. However, Cash App has recently begun to expand to countries other than the United States.

Below is a list of countries that Cash App is available in:

• United States
• United Kingdom

Alternatives to Cash App for international transfers

Below is a list of alternatives to Cash App for international money transfers that offer convenient and affordable options for sending, receiving, spending, and converting your money.

Apple Pay

Apple Pay is a mobile wallet similar to Google Pay, which can be used on iPhones, Apple Watches, and other Apple gadgets. It lets users quickly send money to friends and family through the app or via iMessages.

Chime

Chime is a popular digital checking account application in the United States. This application offers the convenience of instantly transferring money to other Chime account holders, making it an excellent alternative to Cash App for peer-to-peer payments. In addition to this feature, Chime also includes various other functionalities. Users can send money to any bank account, earn interest through an optional high-yield savings account, establish a credit history with an optional credit builder card, and enjoy free cash withdrawals at over 60,000 ATMs. (While Chime does not charge for ATM withdrawals, independent ATM networks may charge an additional fee)

Google Pay

Google Pay is a convenient and free way to send money to friends and family. It can be used on iOS and Android devices, which makes it very popular in the US. Like Cash App, Google Pay has no fees for sending or depositing money into your main bank account.

Monese

Monese is a mobile-based banking service that allows you to easily open an account and offers free international transfers. Currently, Monese is available in 31 countries within the European Economic Area (EEA).

N26

N26, a well-liked digital bank originating from Germany, is accessible in 22 European nations and the United States.

OFX

OFX lets you send payments to 190+ countries in more than 50 currencies. Paying for international transfers with OFX can be arranged using a bank account or ACH direct debit.

PayPal

PayPal is an international digital platform used for both personal and business transactions, allowing individuals and businesses to send and receive money. It is accessible in over 200 countries worldwide, such as the United States, the United Kingdom, India, China, Australia, and New Zealand.

Remitly

Remitly is an affordable option for sending money overseas, with the choice of either a less expensive three-day transfer or a faster money transfer service for a very low fee compared to other competitors. One of Remitly’s key strengths is its extensive network for bank transfers, which makes it stand out in the remittance market.

However, unlike other alternatives such as Cash App, Remitly does not offer any additional account services beyond foreign exchange. While it is dedicated to providing top-quality international transfers and competitive pricing, it does not offer services like US checking accounts, savings accounts, debit cards, ATM withdrawals, or travel benefits.

Revolut

Revolut is a rapidly expanding online banking institution that offers fee-free transactions, affordable currency conversion, and the unique opportunity to invest in stocks, cryptocurrencies, and valuable metals.

Venmo

Venmo, a popular peer-to-peer payment network in the US, is a major rival to Cash App. It stands out for its extensive network that connects individuals and small vendors, as well as its purchase protection feature for goods and services (subject to terms and conditions). In addition to the ability to split payments and send gifts, Venmo also allows users to buy Bitcoin, earn cash back with their credit card, and participate in a rewards spending program. Like Cash App, it offers joint accounts for teenagers under parental supervision.

Vivid Money

Vivid, a digital bank located in Germany, allows its customers to send and receive money from fellow users without any fees. Additionally, users can venture into various investments, such as stocks, ETFs, cryptocurrencies, and commodities. To become a member of Vivid, you must be a resident of the European Economic Area (EEA).

Wealthsimple

The Canadian counterpart of Cash App enables users to transfer money, engage in stock and cryptocurrency investments, and offers additional features.

Wise

A fantastic option for international money transfers, prioritizing affordable fees for sending and receiving funds across borders.

Zelle

Zelle, a reliable and cost-free service, is ideal for ensuring safe and swift transfers between banks in the United States. By collaborating with numerous prestigious American banks, Zelle offers the ability to promptly send funds using the recipient’s registered phone number or email address. Additionally, Zelle provides a dedicated mobile application, although certain banks have conveniently incorporated Zelle into their existing banking apps.

Can you use Cash App when you’re overseas?

You can use Cash App when you’re overseas if you have a physical Cash App debit card, which is called a Cash Card. The Cash Card can be used for payments and ATM withdrawals in the US and overseas. To order the Cash Card and use it wherever you see the Visa logo, you will need to upgrade your restricted account to an unrestricted account.

How to download Cash App

You can download Cash App on the Apple App Store or Google Play Store. Simply download it onto your mobile device and create your account.

Benefits of modern money transfer cash apps

Here are eight benefits of modern money transfer cash apps:

1. Convenience: Cash apps allow users to transfer money quickly and easily from their mobile devices, eliminating the need to visit a bank or ATM.
2. Speed: With cash apps, money transfers can be completed in a matter of seconds or minutes, providing near-instant access to funds.
3. Security: Many cash apps use industry-standard encryption and security measures to protect users’ financial information and ensure safe transfers.
4. Accessibility: Cash apps are widely available and usable by anyone with a smartphone, making them accessible to a wide range of users. 
5. Low fees: Many cash apps offer low or no fees for transferring money, making them a cost-effective option for sending funds to others.
6. International transfers: Some cash apps allow for international money transfers, making it easy to send funds to friends or family members in other countries.
7. Integration with other services: Cash apps often integrate with other financial services, such as budgeting tools and investment accounts, providing a more comprehensive financial management experience for users.
8. Splitting bills: Cash apps often have features that allow users to split bills or expenses with friends and family, making it easier to manage shared finances. 

Frequently asked questions about using Cash App internationally

People often have questions about using Cash App internationally. Here are the answers to some of the most frequently asked questions:.

 Is Cash App International? 

Cash App is now considered an international platform as it allows users to send and receive money between the US and the UK. This international capability has recently become available.

Can Cash App be used in the United Kingdom?

Cash App has been accessible in the United Kingdom since April 3, 2018.

Does cash app have international fees? 

Cash App has no international fees, and sending and receiving money on Cash App is always free of charge.

How to transfer money from a bank account to Cash App instantly

To instantly transfer money from your bank account to Cash App, follow these steps:

1. Open the Cash App and tap on the “My Cash” tab in the lower left corner of the screen. 
2. Click “Add Cash” and enter the amount of money you wish to transfer. 
3. Validate the transaction by inputting your Cash PIN or confirm using Touch ID.

How to send money to Cash App without Cash App

You can send money to Cash App without a Cash App account by using a bank account. Ask the recipient for their bank account information so you can send the payment directly to their bank. Afterward, they can conveniently transfer the money to their Cash App balance using the funds from their bank account.

What is Cash App Pay?

Cash App Pay is a payment option available to all Cash App users that works by scanning a QR code at checkout. Payments to are made using the customer’s Cash App balance or connected debit card.

Is Cash App safe?

Cash App provides a secure platform for personal transactions due to its incorporation of various safety measures. The Cash App uses cutting-edge encryption between your device and Cash App’s servers. This ensures your data and money are secure when using the app.

Is Cash App FDIC insured?

The Cash App account balance of users with the Cash Card is protected for up to $250,000 through the Federal Deposit Insurance Corporation (FDIC). Additionally, your investment balances receive protection from the Securities Investor Protection Corporation (SIPC).

Conclusion

Cash App is limited to individuals residing in the US and UK. Although users have the capability to send money to any other Cash App user, they are unable to send money outside of the US or UK. Potential users outside of the US or UK will need to be patient and wait for access.