You can withdraw money from Cash App for free primarily at in-network ATMs if you meet certain conditions:
- In-Network ATMs: Cash App partners mainly with the MoneyPass ATM network, which has over 40,000 ATMs across the U.S., including many at 7-Eleven locations. Withdrawals at these ATMs are free if you qualify
- Direct Deposit Requirement: To avoid the standard $2.50 Cash App ATM fee, you must receive $300 or more in direct deposits into your Cash App account each month. Meeting this threshold grants you unlimited free withdrawals at in-network ATMs and one out-of-network withdrawal per 31-day period without the $2.50 fee (though the ATM operator’s fee may still apply)
- Other Networks and Banks: Cash App also partners with ATM networks like Allpoint, MoneyPass, PNC Bank, and some commercial banks with assets over $300 million, allowing fee-free withdrawals at their ATMs under the direct deposit condition
- How to Find Free ATMs: Use the Cash App itself by going to the Cash Card tab and selecting "Find an ATM" to locate nearby in-network ATMs that offer free withdrawals for qualified users
- Out-of-Network ATMs: You can use any ATM with your Cash App Card, but out-of-network ATMs usually charge fees. You get one reimbursed out-of-network withdrawal per month if you meet the direct deposit requirement
In summary, to withdraw Cash App money for free:
- Set up direct deposit of $300+ monthly to your Cash App account.
- Use in-network ATMs, primarily MoneyPass ATMs, or partner bank ATMs.
- Find these ATMs via the Cash App's ATM locator feature.
Without direct deposits, expect to pay $2.50 plus ATM operator fees for withdrawals
