How to Withdraw Money from Cash App ATM? My Card is Not Working at Any ATM

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If you're facing issues withdrawing money from a Cash App ATM and your card isn't working, you're not alone. Many users encounter similar problems. This guide provides a step-by-step breakdown of everything you need to know about withdrawing money from Cash App at an ATM, what to do when your Cash Card is not working, and how to fix it.

Understanding Cash App ATM Withdrawals

Cash App users can withdraw money using the Cash App Visa Debit Card, commonly referred to as the Cash Card. This card can be used at most ATMs nationwide.

Cash App ATM Withdrawal Limits

Cash App has specific withdrawal limits:

• Cash App Per Transaction Limit: $310
• Cash App Daily ATM Limit: $1,000
• Cash App Weekly ATM Limit: $1,000

These limits are non-negotiable, and if you exceed them, your transaction will be declined.

Common Reasons Why Cash Card Is Not Working at ATMs?

If your Cash App Card is not working at any ATM, several underlying issues could be the cause. Below are the most common reasons and what you can do about them.

1. Insufficient Balance

Before attempting a withdrawal, make sure your Cash App balance is sufficient. ATM withdrawals also often include a $2.50 Cash App fee plus additional ATM operator fees.

 

Example: If you want to withdraw $100, ensure you have at least $105-$110 to cover both the withdrawal and fees.

2. Card Not Activated Properly

Your Cash Card must be activated before use. If it’s not activated:

• Open the Cash App
• Tap the Cash Card icon
• Select "Activate Cash Card"
• Use either QR code scanning or manual entry to complete the activation

3. Card is Locked

Sometimes, Cash App security measures automatically lock your card. If you suspect this, go to:

• Cash App > Cash Card > Enable/Disable Toggle
• Make sure the card is enabled

4. Network or ATM Issues

Some ATMs may not accept Cash App cards, especially if they're offline, international, or unsupported machines. Try a different bank-owned ATM or a retail ATM that supports Visa debit cards.

5. Incorrect PIN Entry

Repeatedly entering the wrong PIN will block your card temporarily.

To reset your PIN:

• Go to Cash App > Profile Icon > Privacy & Security > Change Cash PIN

6. Card is Damaged or Expired

A scratched, bent, or expired card will not work. If you suspect physical damage or expiry:

• Order a replacement via Cash App > Cash Card > Report Card

How to Withdraw Money from Cash App Without a Working Card?

If your Cash Card is not functioning, here are alternative ways to get your money:

1. Transfer to Bank Account

You can withdraw funds by transferring them to your linked bank account.

• Tap Banking > Cash Out
• Choose amount and method:
  • Standard (1–3 business days, free)
  • Instant (immediate, 0.5%–1.75% fee)

2. Send to a Friend or Family Member

If someone near you has a working Cash Card, send them the money via Cash App and ask them to withdraw cash for you.

3. Use Cash Back at Stores

Many retailers allow you to get cash back during debit card purchases:

• Swipe your Cash Card
• Choose “Debit”
• Enter your PIN
• Select cash back option

This method avoids ATM fees and gives you instant access to cash.

How to Fix a Cash Card That’s Not Working at ATMs

To resolve persistent issues:

Step 1: Confirm Card Activation

Double-check the activation status in the Cash App under the Cash Card tab.

Step 2: Verify Account and Identity

Incomplete identity verification can restrict access to some services.

• Tap Profile > Personal
• Ensure your full name, DOB, and SSN are entered correctly

Step 3: Order a New Cash Card

If you suspect your card is defective:

• Open Cash App
• Go to Cash Card > Replace Card
• Choose the reason (Lost/Stolen/Damaged)

A new card typically arrives within 7–10 business days.

Step 4: Contact Cash App Support

If none of the steps work:

• Open Cash App
• Tap Profile > Support > Something Else > Card Issues
• Describe your issue and submit a request

Support usually responds within 24-48 hours.

Tips for Smooth ATM Withdrawals Using Cash App

To avoid any future issues, keep these best practices in mind:

• Always check your balance before withdrawing
• Use ATMs that support Visa debit
• Avoid exceeding daily/weekly withdrawal limits
• Reset your PIN if you've forgotten it
• Make sure your card is not expired or damaged
• Use retail cash back as a smart alternative

Cash App ATM Withdrawal Fees

Cash App charges a $2.50 fee per ATM withdrawal. Additional ATM operator fees may apply unless:

• You receive $300 or more in direct deposits per month
• Then, ATM fees are reimbursed for up to three withdrawals per 31 days (up to $7 in total)

When to Expect Card Replacements and Updates

If you've recently ordered a new card or made changes:

• New Card Delivery Time: 7–10 business days
• PIN Changes: Instant
• Identity Verification Review: 24–72 hours

Conclusion

Withdrawing money from a Cash App ATM is simple when your card is working properly. However, if your Cash Card isn’t working, it could be due to insufficient balance, card activation issues, ATM incompatibility, or technical problems. By following the steps outlined above, you can troubleshoot the problem, find alternative withdrawal methods, or contact support for help. Keeping your card updated, using secure ATMs, and ensuring your identity is verified can help avoid these issues in the future.