Cardless Cash App ATM Guide: Withdrawals, Limits & Fees

Access cash anytime—no debit card needed. Learn how to find compatible ATMs, walk through a secure withdrawal, and understand your limits and fees.

   

What Is a Cardless Cash App ATM?

Cardless ATM withdrawals let you get cash directly from your Cash App balance without a physical card. Instead, you use a one‑time code generated in the app and enter it at a participating ATM.

Key benefits:

  • No card required (safer if you forget your card)
  • Instant access to funds in your Cash App account
  • Works on major ATM networks like Visa, MoneyPass, and Plus

How to Find a Cardless Cash App ATM

  1. Open Cash App and tap the Banking tab (the building icon).
  2. Select Find ATMs.
  3. Allow location access and browse nearby “Cardless ATM” icons.
  4. Tap an ATM pin to view network (e.g., Visa, MoneyPass) and hours.

🔗 Need more ATM help? Check our ATM & Mobile Banking hub for guides on Venmo ATM limits and Apple Pay ATMs.

Step‑by‑Step: Withdrawing Cash Without a Card

  1. In Cash App, tap Banking → Withdraw Cash.
  2. Enter the amount you want and tap Get Code.
  3. Note the 6‑digit code and the code’s expiration time (usually 15 minutes).
  4. At the ATM, select Cardless Access (or similar).
  5. Enter your 6‑digit code and the amount.
  6. Collect your cash and receipt.

Withdrawal Limits & Fees

  • Daily limit: $250 – $500 (varies by user and account history).
  • Per‑transaction limit: $50 – $300.
  • ATM network fee: Typically $2 – $3 per withdrawal (charged by the ATM owner).
  • Cash App fee: Usually no additional app fee for standard withdrawals; instant deposits incur 0.5%–1.75%.

Always check your Cash App withdrawal screen for your personal limits and any applicable fees.

   

Supported ATM Networks

NetworkCoverageFee Notes
Visa PLUS2 million+ ATMs worldwideStandard ATM owner fee applies
MoneyPass33,000+ surcharge‑freeLook for “MoneyPass” logo
Allpoint55,000+ surcharge‑freeLook for “Allpoint” logo

Tips for a Smooth Transaction

  • Pre‑generate your code only when you’re near the ATM to avoid expiration.
  • Check your balance in‑app before you attempt to withdraw.
  • Choose surcharge‑free networks (MoneyPass, Allpoint) to avoid extra fees.
  • Use in‑app map filters to show only surcharge‑free ATMs.
  • Keep your app updated to ensure codes generate correctly.

Pros & Cons of Cardless ATM Withdrawals

Pros:

  • No physical card needed
  • Code‑based security
  • Access even if you lose your card

Cons:

  • ATM owner fees still apply
  • Code expiration adds pressure
  • Not every ATM supports cardless

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