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Digital payment apps have fast taken over the Financial sector now, especially since the arrival of the COVID-19 pandemic that kept people indoors for a while.
According a study from WorldBank, two thirds of adults use digital payments for their banking needs, with the share hugely rising from 35% in 2014 to 57% in the year 2021.
Of course, this rising growth is as of a result of the convenience consumers got in making use of digital payment apps, while at the same time respecting the social distancing which put in place at that period of time.
However, though we are no longer in the lock down or social distancing era, digital payment apps still continue to flourish and are totally revolutionizing the way we handle our finances as they offer even more convenient ways to bank online and manage our finances from the comfort and security of our homes.
One of the good aspect of Cash App is that getting started with the platform is actually easy since all you need to do is to download the app, sign up for an account and then link a debit card to your account so as to begin making payments with the app.
Undoubtedly, linking a debit card to Cash App is essential to start making payments through the app. But what if you do not instead have a Bank account, sure you might be whether linking your Bank account to Cash App without a debit card is possible.
Do no longer worry about this cause you have found the right article to clear your doubt.
In order to tackle this issue properly, we will see whether it is possible to link a bank account to Cash App without debit card.
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Can You Link Bank Account To Cash App Without Debit Card?
Well, this is actually a very important question.
However I wasn't really sure of the several answers I got across the web so I had to try it out myself to have a proper answer and confirmation which I did.
So I will answer this question with the experience I had with opening a new Cash App account.
Actually, this new account was that of my mum since she did not know much about Cash App, but I already had a Cash App account.
We downloaded the app on her phone and then signed up for an account. After signing up, I was asked to provide a debit card which will serve the purpose of a funding source. I skipped this step because my aim was to link her bank account directly to her Cash App without having to use the debit card.
Once I was done setting up her account, I was directly send to her Cash App home screen where I navigated to her profile, selected the "Linked Banks" tab and then tried to link her bank account directly.
However, I was not able to find the "Link Bank" feature for her account and I was very surprised though.
I proceeded to doing my own research during which I came across Cash App's Support page where they outlined the steps to directly link a bank account.
As you can see on this page above, I followed the steps listed there but I was still wondering why this option is not available for the account.
I once thought that it was something personal and I was planning to get in touch with the support team until I scrolled down the page hoping to find more information and fell this immediately below the written and video guide to linking bank account to Cash App.
Before this option is available, you will need to add a linked debit card.
Once I saw this, I immediately understood what I had to do and fortunately, my mum had a debit card that was directly linked to her bank account.
We simply linked the debit card to her account and we were able to now see the "Link Bank" feature of her account.
In a nut shell, this means that you cannot link a bank account to Cash App without first of all linking a debit card to your account.
ALSO READ: Why Is Cash App Not Working? (Here's How to Fix It)
How to Link Bank Account To Cash App Without Debit Card
Cash App has a page where it outlined steps to link a bank account to Cash App without using a debit card through the process.
In order to do so:
- Tap the profile icon on your Cash App home screen.
- Select "Linked Banks".
- Tap "Link Bank".
- Follow the prompts.
However, it is good you have it stuck in your mind that you cannot link a bank account to Cash App without first linking a debit card to your account.
But you should not be deprived of this feature if you do not have debit card. So whether you do not have a debit card, your debit card has expired, or stolen, or your debit card has been declined by Cash App, you should not be denied from linking your bank account to Cash App.
If this be the case with you (you do not have a debit card to link to your Cash App, I suggest contacting Cash App support and explaining to them why you are not able to use a debit card with your Cash App account.
Here is how to do that:
1. Tap Your Profile Icon In Cash App
You can find the support option available in your profile. So if you want to contact Cash App support, you first of all have to go to your account profile.
2. Select Support
Once in your Cash App profile, scroll until you find the "Support" option and just select that.
3. Choose Start A Chat And Ask Them To Help Link Your Bank Account
After choosing the "Support" option, you will be shown a list of features which you can help you report features related to them. Since our problem is not listed, we will need to start a new chart and explain our issue to Cash App.
So simply tap "Start a Chat" and then tell Cash Ap the issue you have with linking your debit card to Cash App. No matter what is going on with your debit card (declined or stolen), do not hesitate to ask them to help you with linking your bank account to the platform directly without the debit card.
If it is possible for them to do it, then be rest assured that they will help you out with that.
ALSO READ: Random Person Sent Me Money On Cash App (Here's What To Do)
Can I Just Link My Bank Account To Cash App?
There only way you can link your bank account to Cash App is if you have already linked a debit card to your account.
This means that you cannot just link your bank account to Cash App without first of all linking A debit card.
Can I Link Someone Else Bank Account To Cash App?
Yes, you are able to link someone else's bank account to Cash App if you are allowed and authorized by the owner to do so. Meaning you are actually doing that on their behalf.
Why Is Cash App Asking To Link My Bank Account?
It is of no doubt that Cash App often ask users to link their bank account each time they try accessing some features of the app that needs a bank account to be linked. Like for instance, features like direct deposits will require you to link your bank account to Cash App first.
How To Add Bank Account To Cash App With Routing Number
As a Cash App user, you can add your bank account to Cash App by making use of routing numbers. However, this will be the manual linking process and it is most appropriate for individuals that encounter issues linking their bank account to the platform.
Here are steps to follow to do so:
- On your Cash App home screen, tap the Money tab.
- Press "Cash Out" and then choose an amount.
- Select "Standard" in the search field.
- Type "CashApp" in the search field.
- Press "Add Manually".
- Enter Your routing and account numbers.
ALSO READ: How To Stop Automatic Payments On Cash App
How To Link Cash App To Bank Account
Unlike Zelle, you are not able to link Cash App to your bank account. Zelle on the other hand is actually the only payment service that works with many U.S banks and allows users to link the app to their bank accounts and offer seamless money transfer services.
Here are the steps to follow in order to link your Bank Account to Cash App:
- Tap the profile icon on your Cash App home screen.
- Choose "Linked Bank".
- Tap "Link Bank".
- Follow the prompts.
How Long Does It Take To Link Bank Account To Cash App
The time you take to link your Bank account to Cash App cannot be precisely defined since it greatly depends on the method you used to link the account.
However, it typically takes just a few minutes to link a bank account to Cash App through the normal process. On the other hand, it will take 1-3 business days to link your bank account to Cash App via the manual or standard process.
Why Can't I Link My Bank Account to Cash App?
If you can't link your bank account to Cash App, then there is surely an issue with your account.
I will recommend you check if your bank account does not have a negative balance and any limitations that might make it not eligible to work with digital payment apps.
In case the issue keeps on, then I will recommend you contact Cash App support for proper assistance.
Final Thoughts: Can You Link Bank Account To Cash App Without Debit Card
Cash App is a well known payment service that lets people send and receive money safely and conveniently from the comfort of their home.
If you are looking forward to using Cash App to make transfers, then you should consider linking a debit card to your Cash App account.
Remember, linking a bank account without a debit card is possible, but the process may vary slightly depending on the specific circumstances. It's always a good idea to follow the instructions provided by Cash App and reach out to their support team if you need further assistance.
I hope this article clarifies the options available for linking a bank account to Cash App without a debit card. If you have any additional questions or concerns, feel free to let us know in the comment section.
Frequently Asked Questions
How many bank accounts can I link to Cash App?
At the time of writing this, you can only link one bank account to your Cash App.
Can you receive money on Cash App without a Card?
Yes, you are able to receive as much as $1000 on Cash App without card.
How do I add a bank account to my Cash App without debit card?
According to Cash App support, you need to add a debit card to your account before you can use the "Link Bank" feature. This means that there is no way you can add a bank account to your Cash App without debit card.