It’s no wonder why Cash App is so popular. However, one common question that often comes up is, can you use Cash App without SSN?
The short answer is yes, you can use a Cash App account without providing your SSN. However, there are some limitations if you choose to use Cash App without verifying your identity.
In this article, I’ll cover everything you need to know about using Cash App without a social security number.
What is SSN?
For those who don’t know, SSN stands for Social Security Number. It is a unique 9-digit number issued to US citizens and residents for identification and tax purposes. You typically receive your SSN at birth.
Why Does Cash App Ask for Your SSN?
When you create a Cash App account, it is not necessary to input your SSN. However, once you want to unlock certain features or increase your sending/receiving limits, Cash App will ask you to verify your SSN.
This is because Cash App must comply with “Know Your Customer” anti-money laundering laws. These regulations are necessary to verify the identities of the users.
By providing your full legal name, date of birth, and the last four digits of your SSN, Cash App can confirm your identity.
How to Use Cash App Without SSN
If you want to use Cash App but don’t feel comfortable providing your social security number yet, here is the step-by-step process to create a Cash App account without SSN:
1. Download the App
Go to the App Store (iPhone) or Google Play Store (Android) to download and install Cash App on your device.
2. Create an Account
To get started, enter your email address or mobile phone number. Cash App will send a verification code.
3. Link a Bank Account
You’ll then need to connect a bank account to fund your Cash App balance.
4. Add a $Cashtag
Create a unique $cashtag username. This functions like your account handle. Friends can send you money using this Cashtag.
5. Start Sending & Receiving
Once your account is set up, you can begin sending money to friends and receiving payments of up to $250 per week. Make sure to stay within the limits for unverified accounts.
And that’s it. By just following these steps, you can start using Cash App without inputting your SSN. Just remember you’ll have limited functionality until you eventually complete identity verification.
Limits of Unverified Accounts (Without SSN)
While it’s possible to use Cash App without your SSN, there are some limitations:
- Weekly sending limit: You can only send up to $250 per week to other users. After hitting this limit, you have to wait 7 days before sending more money.
So in summary, an unverified Cash App account has lower sending and receiving limits.
Benefits Of a Verified Account
Here are some of the key benefits you get after verifying your Cash App account with your SSN:
- Higher transaction limits – Verified users can send up to $25000 per month.
- No receiving limits – Receive unlimited amounts.
- Cash a paycheck – Link for direct deposit paychecks.
- Get a Cash Card – Apply for a free Cash Card to spend money in stores.
- Investing – Buy and sell bitcoin or stocks.
- File Taxes – Use Cash App’s tax feature.
- Access ATM – Withdraw cash at ATMs using the Cash Card.
Verify SSN
To unlock the full features of Cash App and lift transaction limits, you’ll need to complete an identity verification process that involves giving your SSN along with other personal details.
Here’s how you can verify your Cash App account:
1. Open your Cash App Profile
Tap the profile icon in the top-right corner.
2. Tap “Verify”
Scroll down and go to the “security and privacy” section. This will open the verification screen.
3. Enter your Details
You will need to provide your legal name, date of birth (DOB), and the last 4 digits of your SSN.
4. Upload your Government ID
Take a photo of your valid government ID such as a driver’s license.
5. Take a Selfie
Cash App will compare your selfie to the photo on your ID.
Remove SSN
Later on, if you change your mind and want to delete your SSN from the Cash App, you can reach out to support from inside the app or directly via phone. They will further guide you.
Here’s how to contact customer support via the app:
- Go to your profile and tap “Support”.
- Select “Something Else” then “Account Settings”.
- Choose “Delete Your Personal Information” and tap “Contact Support”.
- Explain that you want your SSN deleted from the app. The agent can walk you through the required steps.
Can You Verify Cash App Without SSN?
Unfortunately, verifying your Cash App account without an SSN is not possible at this time. Some users have asked if they can verify Cash App with just a photo ID instead.
However, according to the official Cash App’s help site, an SSN is a must during verification.
What if You Don’t Have a Social Security Number?
For those without an SSN, such as non-citizens or non-residents, using Cash App can be tricky. Unfortunately, there is no way around Cash App’s verification requirements at this time.
The only option is to use Cash App as an unverified user. Make sure to stick within the $250 per week sending limit and $1,000 per month receiving limit.
You won’t have access to certain features like direct deposit or investing until you obtain an SSN and go through verification.
Send Money Without SSN
If you are someone who has an unverified Cash App account, you can still send up to $250 within 7 days without providing your SSN. Here’s how:
- Enter the amount you want to send.
- Tap “Pay” and enter the Cashtag of the recipient.
- Add an optional note and tap “Pay” to confirm.
- Authenticate with your PIN or fingerprint; the money will instantly be sent to the recipient from your Cash App balance.
Can You Use a Fake SSN?
No, Never enter a fake or false social security number when creating or verifying your Cash App account. Doing so is illegal and can land you in serious trouble.
Cash App verifies the SSN you provide against credit reports and public records. Any mismatches will lead to your account being permanently banned.
Moreover, using a social security number that is not your own constitutes identity theft, which is a federal crime.
Key Takeaways:
- You can use a Cash App account without entering your SSN.
- Unverified accounts have a $250 weekly sending limit and a $1,000 monthly receiving limit.
- You can remove limits at any time by verifying your account with your SSN.
- Verification requires full name, DOB, and last 4-digit SSN.
- Verified accounts can receive unlimited funds and use services like direct deposit.
The Bottom Line
So in conclusion, you don’t need to provide your SSN to start using Cash App’s basic peer-to-peer payment services. However, verification is necessary if you want full functionality. Unverified accounts can only send $250 per week and receive $1,000 per month.
Furthermore, features like a free debit card and direct deposit are off the table for unverified users. The only way to unlock unlimited transfers and account features is by verifying your identity using your SSN.
References:
https://cash.app/help/us/en-us/3122-increase-cash-limits
https://cash.app/help/us/en-us/3081-cash-card-idv-problems
