You just made a Cash App account. And although you find its peer-to-peer payment technology convenient, your profile still has several restrictions. You probably can’t even send more than $250 at a time.
Other users casually mentioned you’ll need a verified Cash App profile first. However, you’ve never used the platform before, so you’re unsure how to start the process.
Don’t worry if you find yourself in the exact situation. Our team reviewed Cash App’s Terms and Conditions and scoured reviews from verified users to create a comprehensive guide on the app’s identity verification requirements.
We’ll guide you through every step of the way. You’ll understand the most efficient, quickest way to verify identities so that you can start using your account without restrictions.
Stick with us until the end. Otherwise, you’ll have to abide by stringent Cash App limits and stick to transactions under $250.
Let’s learn how to verify your identity on Cash App!
Reasons to verify your identity on Cash App
Are you still on the fence about whether to push through with the Cash App verification process or not? Then, check out the benefits of using a verified Cash App account.
Cash App limits
Unverified users can only send $250 per week and $1,000 per month, while verified users can lift their weekly limitations to a whopping $7,500.
Security and safety
Cybercriminals misuse Cash App’s borderless peer-to-peer payment transfer system to trick unsuspecting users. To resolve this issue, Cash App now insists on screening all new accounts.
You can only send a couple of hundred dollars before verification, and the app flags you immediately if you try bypassing this limit with another unverified account.
Cash App Cash Card requests
Cash App offers Cash Card, a customizable debit card you can use at any online or brick-and-mortar store that processes card payments. The card works even if the merchant doesn’t accept Cash App payments directly.
Unfortunately, you can only request a Cash Card after verification. After receiving a Cash App confirmation, you’ll see a new Cash Card tab on the app’s home screen.
Exclusive features and workarounds
Cash App has several exclusive features and hidden workarounds that you can only access if your account is verified. Again, Cash App limits its unverified users to minimal peer-to-peer payment transfers.
On the other hand, users can start receiving thousands per week from various personal and third-party accounts immediately after verification.
You can even find workarounds linking Cash App to your Apple Pay or Venmo wallets..
Tax declaration
Verified users can use Cash App Taxes. It’s a 100% free tax filing software that allows you to fill out your 1099-B and 1099-K tax forms straight from Cash App.
Step-by-step guide to verify your identity on Cash App
Verifying your identity on Cash App is much simpler than most newbies fear. You’d finish filling out the digital forms in less than 10 minutes if you already have the necessary documents on hand.
- Launch Cash App on your smartphone and tap the photo icon at the top-right corner of the screen to access the Profile Settings section.
- Hover on the drop-down menu, then hit the Personal button.
- The app will prompt you to its secure verification page—where you’ll input your birthdate, government-issued ID, billing address, and last four digits of your SSN.
- Review the details, peruse the Terms and Conditions page, then finalize the process by submitting your information.
- You should receive a Cash App confirmation or status update within one to two days.
Frequently asked questions about Cash App identity verification
Check out the most common questions other users asked when verifying their identities on Cash App.
Can you verify your identity on Cash App without ID?
No, you can’t verify your account without showing proof of ID. Cash App requires all users to present at least one valid and updated government-issued photo ID.
Can you verify your Cash App if you’re under 18?
The Cash App Terms and Conditions page states that users aged 13 to 17 can verify their Cash App account with the authorization of a legal guardian.
The minor serves as the official account holder. However, authorized guardians can freely review monthly statements, pause transactions, and even close accounts.
How to verify your identity on Cash App without SSN?
You can send money on Cash App without an SSN. Just select the “I Don’t Have an SSN” button when confirming payments to initiate an OTP for you and your recipient. However, you can’t verify your account without an SSN.
How long does it take to verify your identity on Cash App?
You should hear from the Cash App team within one to two days. If you don’t get a status update, we encourage reaching out to its customer service department.
How do you know your Cash App is verified?
You’ll know your account has been verified once you’re no longer limited to $250 weekly transactions and if you can already request a Cash App Cash Card.
‼️ Note: Please don’t confuse identity verification with verification $Cashtags. Only public figures, celebrities, and global brands can request a blue checkmark on their usernames.
Common Cash App account verification issues
Don’t panic if Cash App still won’t approve your account verification request. Some common issues new users might encounter while verifying their identities include:
- Incorrect SSN: Double-check the last four digits of your SSN before finalizing the paperwork.
- Blurred Photo of ID: Cash App will ask you to keep resending pictures of your ID card if the ID number isn’t clear and visible.
- Expired ID: Cash App doesn’t accept expired government-issued IDs. Register and update the information first before submitting it for verification.
- Below 18 Years Old: Minors need to undergo extra authorization features before Cash App verifies their accounts. They’ll need the signatures of their parents or guardians.
Quick, hassle-free way to verify Cash App accounts
Verify your profile as soon as possible. The Cash App verification process might seem tedious, but it only takes a few minutes, plus you’ll only wait for one to two days for a reply.
Cash App constantly tightens unverified account limitations. With the increasing number of scams on the platform, the company might even require all new users to get a verified Cash App profile before transacting.
If you face any issues during verification that the tips we mentioned above don’t cover, try contacting the Cash App customer support team. They take a while to respond. However, you can expect helpful solutions from your agent so that you can finally make your first major transaction.3
Aidan has been writing about personal finance for over 6 years. Prior to this, he worked as a Corporate Finance Analyst where he specialized in Due Diligence, Company Valuations and more. He is a CFA charterholder.
