Cash App review
Send money, bank, and buy stocks or bitcoin in one app
- Block, Inc.
- Free
- iPhone & iPad, Android
4.8 from 8.8M App Store ratings 100M+ Google Play downloads #4 in Finance on the US App Store
Does it deserve #11?
Is Cash App worth it?
For most people, yes. Cash App scores 8.4/10 and ranks #11 in Money & Investing. It's best for people who want payments, a debit card and simple investing in one free app. Skip it if you only split bills with friends and don't need banking extras. Price: No monthly fee; credit card sends cost 3%, instant transfers 0.5% to 2.5%.
The verdict
Cash App started as a simple way to pay friends and has grown into a full money app. You get a free debit card, direct deposit, savings, stock and bitcoin investing, and small loans through Borrow in most states. Spend $500 a month or get $300 in deposits and Cash App Green waives in-network ATM fees and adds perks. Watch the fees: instant transfers cost up to 2.5%, and credit card sends cost 3%.
- Free payments from your balance
- Cash App Card and direct deposit
- Stock and bitcoin investing
- Cash App Green perks
- Borrow and pay-over-time options
Score breakdown
Overall = features 30% · design 20% · speed 20% · value 15% · privacy 15%. Why these weights?
What's new
- Apr 2026Parent-managed accounts let kids 6 to 12 save, get money and design their own card
- Apr 2026Pay over time on recent sends of $25 or more, for a 7.5% fee
- Feb 2026Payment links let you request money in a text, email or DM
Privacy 6.6/10
App Store label: no tracking. Purchases, financial info, contact info, contacts, your content, identifiers, usage and diagnostics may be linked to you.
What we like
- No monthly fee and free standard transfers
- Payments, banking and investing in one app
- No tracking on its App Store privacy label
What could be better
- Instant transfers cost 0.5% to 2.5%
- ATM withdrawals cost $2.50 unless you qualify for Green
- Pay-over-time and Borrow fees add up fast
People who want payments, a debit card and simple investing in one free app
you only split bills with friends and don't need banking extras
Questions about Cash App
Is Cash App worth it in 2026?
For most people, yes. Cash App scores 8.4/10 and ranks #11 in Money & Investing. It's best for people who want payments, a debit card and simple investing in one free app. Skip it if you only split bills with friends and don't need banking extras. Price: No monthly fee; credit card sends cost 3%, instant transfers 0.5% to 2.5%.
Is Cash App free?
Yes. There's no monthly fee, and sending from your balance or debit card and standard transfers are free. Credit card sends cost 3%, and instant transfers cost 0.5% to 2.5%.
What is Cash App Green?
It's a perks status you get by spending $500 a month with your Cash App Card or Cash App Pay, or getting $300 in qualifying deposits. It waives in-network ATM fees and adds perks like free overdraft coverage.
What are the best alternatives to Cash App?
The closest alternatives are Venmo, PayPal and Revolut. See all of them ranked on our Cash App alternatives page.
Where does Cash App rank?
Cash App ranks #11 of 16 in our Money & Investing ranking, with an overall score of 8.4 out of 10.