How to use Cash App for Minors in 4 Easy Steps (2024)

Last updated: April 19th, 2024

Cash app for minors

In today’s digital age, it’s crucial to teach our children about financial literacy and responsibility from a young age. Cash App for minors offers a solution for parents to provide a safe and controlled environment for their children to learn about money management.

In this guide, we’ll walk you through how Cash App for minors works and how parents can set up and manage accounts for their children.

Setting Up a Cash App Account for Minors

To create a Cash App account for a teen, follow these 4 simple steps:

Create Cash app Account

Step#1.   Download Cash App

Start by downloading the Cash App on your device and creating your account.

Step#2.   Connect a Bank Account

To fund the Cash App account for your child, you’ll need to link a bank account to your Cash App account.

Step#3.   Download the App on Your Child’s Device

Install the Cash App on your child’s device and sign in using your created account. Ensure they have their unique login credentials.

Step#4.   Customize and Order a Free Cash Card

Personalize the Cash Card with your child’s name, and it will be shipped to your home. This card allows them to make purchases and withdrawals.

How to Sponsor Someone on Cash App?

To sponsor someone on Cash App, follow these steps:

  1. Open the Cash App and tap on the “Profile Icon” on your home screen.
  2. Select “Family Accounts”.
  3. Tap on “Invite a teen” at the bottom of the screen.
  4. Cash App will provide you with a unique invite link.
  5. Copy the link and send it through WhatsApp, Messenger, or any other communication app.
Sponsor Some one on cash app

How Do Parents Approve Sponsor Requests?

To approve a sponsor request in Cash App, parents can follow these steps:

  1. Open the Cash App on their phone and tap on the “Activity Icon”.
  2. Tap “View” Right next to the “Request for Approval”
  3. Review the Terms and the Conditions and then tap “Approve”

Once the parent has approved the request, the minor can access all of Cash App’s features, except those restricted to children.

Getting the Cash App Card Under 18 (With Parental Consent)

To get the Cash App card under 18, follow these steps:

Order Cash app card
  1. Tap on the “card” icon on the bottom
  2. Choose your card style and personalize it with your cash tag or stickers.
  3. Enter your legal name, date of birth, and shipping address.
  4. Request approval from a parent or guardian who has Cash App .

Cash App Features for Minors:

Cash App for minors offers a range of features to help kids learn about finances responsibly:

1. Send and Receive payments:

Teenagers can send, receive, and request money from other Cash App users, including their legal guardians. They can also set up recurring payments from their legal guardians, such as an allowance.

2. Cash out from balance:

Teens can cash from their Cash App balance to their bank account or a Cash Card. They can cash out up to $25,000 per 7 days.

3. Add cash to Cash balance:

Teens can add cash to their Cash App balance at participating retailers like Walmart and CVS. They can add up to $7,500 per 30 days.

4. Cash Card spending and ATM withdrawals:

Teens can use their Cash Card to make purchases online and in stores. They can also withdraw cash from ATMs using their Cash Card. However, some restrictions exist on where minors can use their Cash Card, such as bars, nightclubs, and liquor stores.

5. Direct deposit:

They can set up a direct deposit to receive their pay check or allowance directly into their Cash App account.

6. Boost instant rewards:

 Minors can use Boost to earn instant rewards on purchases at participating retailers.

7. Paper money deposit:

Minors can deposit paper money into their Cash App balance at participating retailers like Walmart and CVS. They can deposit up to $250 per 7 days and $1,000 per 30 days.

8. Gift cards for convenient shopping:

Minors can purchase gift cards from popular retailers, such as Amazon and Target, using their Cash App balance.

9. Bitcoin transactions:

Minors can buy, sell, and receive Bitcoin using their Cash App balance. They can also set up Round Up to invest a small amount of money in Bitcoin each time they purchase with their Cash Card. However, minors can only invest up to $400 per 30 days in Bitcoin.

10. Stock investments:

Cash App allows minors to actively Buy, sell, and receive stocks. They can also set up Round Up to proactively invest a small amount with each Cash Card purchase, but their monthly stock investments are limited to $400


While Cash App for minors offers numerous benefits, there are some restrictions:

  • Loans: Minors cannot take out loans on Cash App.
  • Check deposit: Minors cannot deposit checks on Cash App.
  • Cross-border payments: Minors can only send and receive money from other users who are located in the United States.
  • Merchant restrictions: Minors cannot use their Cash Card at certain types of merchants, such as bars, nightclubs, and liquor stores.

Other Benefits of Using Cash App for Minors

1. Financial Education

The Cash App for minors goes beyond being just a transactional tool; it serves as an excellent educational platform. It empowers young users with financial knowledge, helping them make informed money decisions. From understanding the basics of saving to learning about investments, this app acts as a financial mentor for minors.

2. Safe and Secure

Safety is a top priority for financial transactions, especially for minors. The Cash App employs state-of-the-art security measures to protect user data and transactions. Parents can have peace of mind knowing their child’s financial activities are in good hands.

3. Convenience

With the Cash App for minors, gone are the days of relying on physical cash or traditional banking methods. Children can easily send and receive money, making it convenient to handle various financial responsibilities, such as splitting bills or receiving allowances.

4. Parental Oversight

Parents can actively participate in their child’s financial journey through the app’s parental control features. They can set spending limits, receive notifications of their child’s transactions, and guide them in making responsible financial choices.

Cash App Safety Measures for Kids Account:

Ensuring the safety and security of your child’s Cash App account is paramount. Here are some key considerations:

1. Parental Control and Responsibility

As a parent, you are responsible for monitoring your child’s transactions and guiding them in making wise financial decisions.

2. Age Requirement

Only individuals aged 18 and older can access the full range of Cash App features. Minor accounts have limitations in place for their protection.

3. Risks of False Age Information

Providing false age information during the setup process can lead to account suspension. It’s essential to be honest when creating accounts for kids.

Cash App Alternatives for Minor:

Key points:

  • Greenlight and FamZoo provide most parental control for younger kids.
  • Current good for teen checking needs with parental monitoring.
  • All offer FDIC-insured accounts and protection against fraud/overdrafts.
  • Cash App allows teens to use peer payment features with parental visibility.


Cash App for minors is a valuable tool for teaching financial responsibility in today’s cashless society. Following the steps outlined in this guide, parents can help their children learn about money management in a secure and controlled environment. With features designed to educate and limit potential risks, Cash App offers a practical way to prepare the next generation for financial success.

Reference :

Frequently Asked Questions (FAQs)

Cash App for minors is a feature that allows individuals under 18 to have their own Cash App accounts with parental oversight. It provides a safe and practical way for youngsters to learn about financial transactions, budgeting, and saving.
Cash App for minors is designed with safety in mind, but parental oversight is crucial to ensure responsible usage.
Parents can monitor their child’s transactions and set spending limits through the Cash App.
Minors aged 13-17 can use Cash App with a parent or guardian’s sponsorship. The adult invites the minor to Cash App, becoming the account’s legal owner while the minor is an authorized user. The sponsor can monitor and control the account, including turning features on or off.
To remove a sponsor on Cash App, you’ll need to contact Cash App Support as you cannot do it by yourself.

Share this post

About Author

Author Image
Faizan Ahmed is a Tech and finance wordsmith. He creates clear and insightful articles that educate people about how digital wallets and mobile payment apps work.
Related Post
    Add a header to begin generating the table of contents