To create a new Cash App account, download the app, confirm your phone number or email, choose a $cashtag, and link a debit card. Setup is free and takes about 5 minutes. Verifying your identity afterward lifts your sending limit from $250 a week to $7,500 a week and unlocks the Cash Card. Here are the exact steps, plus how to verify and what to do when setup fails.
How do you create a new Cash App account?
Creating an account takes 5 steps, and all you need is a phone.
- Download Cash App from the App Store (iOS) or Google Play Store (Android) and open it.
- Enter your phone number or email. Cash App texts or emails you a confirmation code; enter it to continue.
- Enter your name and choose a $cashtag. The $cashtag is your unique username, and it is how other people find and pay you.
- Link a debit card or bank account. Enter your debit card number, or connect your bank login, so you can add and move money. US accounts use your debit card or routing details, and you can skip this step and add a card later.
- Verify your identity when prompted, or skip it. Skipping leaves you with an unverified account capped at sending $250 per 7 days and receiving $1,000 per 30 days.
That is the whole setup. Cash App works for US residents aged 18 and older; teens 13 to 17 need a sponsored account, which our guide to Cash App for minors explains.
How do you verify your new Cash App account?
To verify your identity, Cash App asks for a few details inside the app.
- Open Cash App and tap your profile icon in the upper right corner.
- Scroll down and tap Verify Your Identity.
- Enter your full name, date of birth, and the last four digits of your SSN. If you do not have one, see our guide to using Cash App without an SSN.
- Submit. Cash App may also ask for a government-issued ID or a selfie if it cannot confirm you automatically.
Verification usually completes within 24 hours, and can take up to 48 if Cash App requests documents. Cash App explains why it asks in its identity-verification policy.
What do you get with a verified account?
Verification raises every important ceiling and unlocks the regulated features.
- Higher limits. Sending rises from $250 per 7 days to $7,500 per week, and receiving becomes unlimited. Every cap is broken down in our guide to Cash App limits.
- The Cash App Card. A free Visa debit card that spends your balance anywhere Visa is accepted. Here is how to order a new Cash App Card.
- Direct deposit, Bitcoin, and stock investing. All three stay locked on an unverified account.
Can you create a second Cash App account?
Yes, but with conditions. Cash App allows one personal account per person, so a genuine second account needs a different phone number or email, or a business profile. If that is what brought you here, our guide to two Cash App accounts covers the rules and the clean way to do it.
Why won’t your Cash App account set up?
Most setup failures come down to one of three causes.
- The confirmation code never arrives. Check that your phone number or email is active and typed correctly, then request a new code.
- Your bank details are rejected. Confirm your debit card is a US card, your account is supported, and your connection is stable, then try again.
- The app freezes or crashes. Restart your phone or reinstall Cash App; server outages usually clear within hours.
How do you contact Cash App support?
If setup still fails, contact Cash App through an official channel only.
- Chat with support inside the app.
- Message @CashSupport on X.
- Browse the Cash App help center.
- Call 1-800-969-1940, the only phone number Cash App uses.
Key takeaways
- A new Cash App account takes 5 steps and about 5 minutes: download, confirm, $cashtag, link a card, verify.
- Unverified accounts send up to $250 per 7 days and receive up to $1,000 per 30 days.
- Verifying with your name, date of birth, and last four SSN digits lifts sending to $7,500 a week and unlocks the Cash Card.
- Cash App works only in the United States, for ages 18 and up (13 to 17 with a sponsor).
- One personal account per person; a second account needs different credentials or a business profile.
For the full picture of what your account can do, see our guide to how Cash App works.
