How can you send money from Zelle to Cash App?

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Zelle and Cash App are popular peer-to-peer money transfer services that let you send and receive money fast. If you’re using these apps and you’re wondering if you can send cash directly from Zelle to Cash App and vice versa, then this article is for you.

Based on our research, you can’t send or receive money from Zelle to Cash App and the other way around. Even though you can’t directly make money transfers between these two digital payment platforms, there’s a workaround that you can follow.

Today, you’ll learn how to get your money from Zelle to Cash App conveniently, fast, and with minimal or no fee at all. 

Don’t waste your time trying to figure out yourself if these two apps work with each other. We already did it for you.

What is Zelle and how does it work?

Zelle is a peer-to-peer (P2P) money transfer service that allows you to receive or send funds. Zelle works with most major banks and credit unions, such as Citi, Wells Fargo, Bank of America, and Chase.

Gone are the days when you need to mail checks or go to the bank to send and receive money. With Zelle, you can transfer money online within minutes without any additional charge. However, it may take up to three days for first-time users to get their money.

How to send money using Zelle

  1. Get the email address and phone number of the recipient.
  2. Send the money using the Zelle app.
  3. The recipient will get a notification from Zelle about the transaction.
  4. If the recipient already has the Zelle app, the money will be transferred directly to their bank account.
  5. If the recipient hasn’t enrolled in Zelle, they will get a notification on how to download and use the app to receive their funds.

How to receive money using Zelle

  1. You have to give your email address and phone number to the person who will send the funds.
  2. You will receive a notification that someone sent you some cash.
  3. If you have enrolled in Zelle, then your funds will be deposited directly to the bank or credit union linked to your Zelle account.
  4. If you have not enrolled in Zelle, you will receive instructions on how to proceed to get your funds.

What is Cash App and how does it work?

Formerly known as Square, Cash App is a mobile payment service that lets users receive and send money online. It serves as a convenient, fast, and easy alternative to conducting financial transactions through wire or bank services. 

Cash App is available for Android and iPhone users, but it can also be accessed using browsers like Safari and Chrome.

Cash App works like a traditional bank account. But keep in mind that it’s a financial platform. It partners with banks that’s why it’s able to provide banking services, such as direct deposits and debit cards.

Here are the steps to sign up with Cash App:

  1. Create an account.
  2. Link your bank account.
  3. Create a username (also known as the $Cashtag)
  4. Start sending or receiving money through Cash App.

Here are the steps to pay and request money with Cash App:

  1. Log in to Cash App.
  2. Enter amount you want to send or request
  3. Click Pay (to send) or Request (to receive)
  4. Enter Cashtag or phone number and email address.
  5. Click Pay or Request

You can easily send or request money from other Cash App users who have connected their debit or credit card, or bank account. You can either choose a standard instant deposit when initiating a deposit through Cash App.

Standard deposits are free and take 2-3 business days to process. Meanwhile, instant deposits, as its name suggests, lets you send or receive money right away. But you need to pay a fee ranging from 0.5% to 1.75%.

Can you transfer money from Zelle to Cash App?

You can’t transfer money from Zelle to Cash App directly. Both companies don’t support money transfers between them, and that’s why you can’t make direct money transfers.  

Zelle doesn’t have a digital wallet. All the payments made to Zelle are moved directly to its linked bank account. 

Meanwhile, Cash App features a digital wallet facility, which means you can use your Cash App balance to make payments and money transfers.

But there’s a workaround. You can move cash between the apps provided that you link the same bank in both Zelle and Cash App.

If someone wants to send you money through Zelle, you can have it sent to the bank account that you’ve linked to your Cash App account. This way, you can easily transfer the funds from your bank account to your Cash App balance.

Once the money is transferred, you can spend the balance as you please or send the money to another Cash App user.

How can you transfer money from Zelle to Cash App?

As previously mentioned, you need to have a bank account that links to both Zelle and Cash App in order to transfer money between them.

Here are the steps to follow.

How to link a bank account to Zelle

  1. Log in to your Zelle account
  2. Go to the settings icon
  3. Choose the “Add Bank” option. (Make sure to add the same bank with Cash App)
  4. Follow the instructions

How to link a bank account to Cash App

  1. Log in to your Cash App account
  2. Go to “Banking Tab”
  3. Choose “Link Bank”
  4. Follow the instructions

After you’ve linked the same bank account to Zelle and Cash App, you can start moving funds between them.  

How to move money from Zelle to Cash App

  1. Log in to your Zelle account
  2. Choose “send money”
  3. Enter the amount you want to send
  4. Follow the prompts

Now, the funds you moved will be transferred to the bank account that you’ve linked to Zelle. The next thing you need to do is to move the funds from your bank account to Cash App.

How to move money from a bank account to Cash App

  1. Log in to your Cash App account
  2. Choose “add money”
  3. Enter the amount to move to Cash App
  4. Choose your bank
  5. Follow the prompts.

You can also transfer money from Cash App to your bank account.

Here are the steps you need to follow:

  1. Log in to your Cash App account
  2. Click on the Balance button
  3. Choose Cash Out
  4. Enter the amount to cash out
  5. Choose speed (Instant transfer (with fee – 0.5% to 1.75%) or standard option (free – 2-3 days processing period))
  6. Enter PIN to confirm the transaction

Can you link your Cash App card on Zelle?

Cash App users can request a debit card. Unfortunately, you can’t link the Cash App card to the Zelle app. The Cash App debit card doesn’t work with Zelle.

If you try to link the debit card to Zelle, you’ll encounter an error prompt that says the card isn’t eligible.

Is it safe to use Zelle and Cash App?

Zelle and Cash App are both safe to use. Both platforms have set in place security measures to make sure that their users are protected when making transactions online.

They use data encryption to protect their users against fraudulent transactions. Furthermore, users’ data are kept in a secured location.  

Your personal information and login details are kept confidential. No one can log in to your account and transfer money unless you share your login details.

Money apps like Zelle and Cash Apps are safer than cash because digital payments can’t be lost. Additionally, users need to create an account with a password to make sure that they’re sending the money to the right person.

It’s safer than writing a check because you don’t have to reveal your routing number and bank account number to the person who’s receiving the funds. However, you need to be careful and make sure that you’re transferring funds to the right person. 

You may have to enable additional protective measures such as text or email verification, QR-code scanning, etc.

What are the alternative apps that work with Zelle or Cash App?

Unfortunately, Zelle and Cash App can’t directly transfer money to other digital payment platforms such as Venmo, Chime, or PayPal. 

You can only transfer money between any of these platforms if the same bank account has been linked to all of them.

If someone who uses Venmo wants to send you money, they can do so by sending it to the bank that you’ve linked to your Venmo account. 

Once the money has been transferred, you can access the funds using your Zelle app as long as you are linked to the exact same bank that you used in Venmo.

Here’s the list of other apps that are similar to Zelle or Cash App:


PayPal is an online payment system that lets you make purchases online using your PayPal balance or bank account, without any additional fee. Moreover, you can transfer money to your friends and family for free. PayPal charges 2.9% plus a transaction fee when you pay invoices.

PayPal is available in more than 200 countries. It can be accessed online, at, or downloaded on iOS and Android mobile devices.

You can link your credit card and bank accounts. Your details are kept confidential through data encryption. Users can also enable two-step authentication

It takes one business day to transfer money or you can also opt for an instant transfer for a 1% fee. It offers high transfer limits of up to $60,000.


Venmo lets users send money to friends and family conveniently, easily, and quickly. You can send money from your account, linked bank account, or debit card without any additional charges. You can also send money using your linked credit card for a 3% fee. Instant transfers are available for a 1% fee.

Venmo is designed for mobile devices. Although you can still sign in and access your Venmo account using a traditional computer, you can only send money using mobile browsers or the Venmo app.


Zelle and Cash App are both popular digital payment platforms, for good reasons. They allow their users to send and receive money fast and conveniently.

Unfortunately, you can’t transfer money from Zelle to Cash App directly. But don’t fret. Even if both platforms don’t support money transfers between them, there’s a workaround you can use.

All you need to do is link a bank account to Zelle and use that same bank account on your Cash App. By doing so, the money you send to your bank through Zelle can be accessed by your Cash App, provided that the same bank is linked to the latter. This is the only option that works, at least for now.

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