How to Send Money to Friends and Family With Cash App: What Is My Sending Limit?

Cash App has become one of the most popular peer-to-peer (P2P) payment platforms in the U.S., offering a seamless and convenient way to send money to friends, family, or anyone else in your contacts. Whether you're splitting a dinner bill, sending a birthday gift, or paying back a loan, Cash App simplifies money transfers in just a few taps. But how much can you send? Are there any limits you should know about? Below is an in-depth guide detailing how to send money on Cash App, along with a complete breakdown of your Cash App sending limits.

How to Send Money on Cash App?

Sending money through Cash App is straightforward, secure, and fast. Follow these steps to make a successful transfer:

Step 1: Download and Open Cash App

Begin by downloading the Cash App from the Google Play Store or Apple App Store. Once installed, open the app and create an account using your phone number or email address.

Step 2: Link a Bank Account or Debit Card

Before you can send money, you must link a funding source. Cash App allows you to add a bank account, debit card, or credit card. For instant transfers, linking a debit card is recommended.

Step 3: Enter the Amount You Wish to Send

On the main screen, tap the “$” icon and enter the exact amount you want to send.

Step 4: Tap “Pay”

Once you’ve entered the amount, tap on “Pay” and enter the recipient’s $Cashtag, phone number, or email address.

Step 5: Add a Note (Optional)

You may include a note to specify what the payment is for—like “rent,” “lunch,” or “birthday gift.”

Step 6: Confirm and Send

Tap “Pay” again to confirm the transaction. Once completed, both you and the recipient will get a notification.

What Is the Cash App Sending Limit?

Cash App sets specific sending limits for both unverified and verified users. These limits are designed to enhance security and comply with financial regulations.

Unverified Account Sending Limits

If your account is unverified, you are subject to limited transaction capabilities:

• Cash App Maximum sending limit: $250 per 7-day period
• Cash App Receiving limit: $1,000 per 30-day period

These limits are relatively low and suitable only for occasional small transfers.

Verified Account Sending Limits

By verifying your identity, you unlock significantly higher transaction limits. Verification requires you to provide:

• Your full legal name
• Date of birth
• The last 4 digits of your Social Security Number (SSN)

Once verified:

• Cash App Sending limit: Up to $7,500 per week
• Cash App Receiving limit: Unlimited

Verifying your identity not only increases cash app limits but also improves your account's security and transaction reliability.

How to Verify Your Identity on Cash App?

To verify your identity and increase your Cash App sending limit:

1. Go to your profile icon on the Cash App home screen.
2. Tap “Personal”.
3. Enter your legal name, date of birth, and the last four digits of your SSN.
4. Follow the on-screen prompts to complete the verification process.

Cash App may request additional documentation if they cannot confirm your identity automatically.

How to Check Your Cash App Sending Limit?

To view your current limits within the app:

1. Tap the profile icon on your home screen.
2. Scroll down and select “Limits”.
3. Here, you’ll see both your sending and receiving limits, along with your status (verified/unverified).

Can You Increase Your Cash App Sending Limit Further?

Beyond verification, Cash App does not currently offer a way to increase your sending limit. Once your account is verified, you’ll have access to the maximum allowable limits, which are suitable for most personal transactions.

What Happens If You Try to Send More Than Your Limit?

If you attempt to send money exceeding your available limit:

• The transaction will be blocked or declined.
• You’ll be prompted to verify your identity if you haven’t already.
• In some cases, you may be notified to wait until the next period resets your limit.

Always check your available balance and current limit before sending large amounts.

Fees for Sending Money on Cash App

Cash App does not charge fees for most personal payments made from a linked bank account or debit card. However:

• Credit card payments incur a 3% fee.
• Instant deposits to your bank account carry a fee of 0.5% to 1.75% (minimum fee $0.25).

Tips for Safe and Secure Money Transfers

To ensure your funds are transferred securely:

• Always double-check the recipient’s $Cashtag.
• Use two-factor authentication (2FA) for extra account security.
• Avoid sending money to unknown or unverified recipients.
• Enable notifications to monitor every transaction in real-time.

Can You Send Money Internationally With Cash App?

Currently, Cash App only supports payments within the United States and the United Kingdom. Cross-border transfers between the two countries are possible, but both sender and receiver must be based in the U.S. or the U.K.

Common Questions About Cash App Sending Limits

1. Can I use multiple Cash App accounts to bypass limits?

Technically, it’s possible to create another account, but Cash App may flag or suspend accounts that violate their terms. It’s best to stick with one verified account.

2. Do Cash App limits reset automatically?

Yes, Cash App sending limits reset on a rolling 7-day basis, and receiving limits on a rolling 30-day basis.

3. How long does it take to verify my identity?

Most verifications are completed within 24 to 48 hours, though in some cases, it may take longer.

4. Is there a limit on how many times I can send money per day?

There’s no fixed number of transactions, but all must fall within your weekly sending limit on Cash App.

5. Are business transactions subject to different limits?

Yes, Cash for Business accounts may have different structures and processing fees. Be sure to review their terms for business payments.

Final Thoughts

Sending money on Cash App is easy, fast, and reliable—especially when your account is verified. Understanding and managing your sending limits is key to avoiding declined transactions and ensuring a smooth user experience. With a verified account, you unlock the ability to send up to $7,500 weekly and enjoy unlimited receiving capacity. Whether you're splitting rent, gifting a loved one, or paying for a service, Cash App makes person-to-person payments incredibly efficient.