Updated & Verified: May 2021
If you don't have a bank account (or don't want to use one) but want to use Cash App, you may be wondering how and where to go in order to do this.
Not surprisingly, there is a lot of misinformation and confusion online about if and how.
Worse yet, doing this the wrong way could actually cost you money - potentially a lot of money.
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Currently Cash App has right around 30 million active monthly users. (1)
With such a huge user base, it's not surprising that some people would like to use Cash App without needing a bank.
Where Can I Load my Cash App Card (Answered)?
Several places online are incorrectly reporting that you can go to a local store and add money to your Cash App account by having a cashier process the transaction and add the funds to your Cash App debit card (aka "Cash App cash card").
Unfortunately, this isn't accurate though and trying to do so would be a waste of time and effort.
The only way to really add physical cash to your Cash App account at a store is by purchasing a Green Dot MoneyPak card and using cash to load money onto that card and then linking that card to your Cash App account.
To clarify, it has to be a Green Dot MoneyPak card specifically. Pretty much all other options pre-paid debit card options simply don't work with Cash App.
So despite what you maybe read online, you can't just go to a local store and add cash to your Cash App account or debit card - at least not by doing what they are suggesting.
Let's take a look at exactly what you need to do.
How to Add Physical Cash to Cash App in Store (3 Simple Steps)
As we have already established, you can't directly load or add physical cash to a Cash App account or debit card at a store without using a Green Dot MoneyPak card.
This is the step-by-step process in how you can properly set things up so you can add cash in-store to your Cash App account.
1) Find a store that sells Green Dot MoneyPak Cards
As we've already established above, the only way to currently do this is to use a Green Dot MoneyPak card.
With over 70,000 retailers nationwide that carry Green Dot MoneyPak cards (including Walmart, CVS, Walgreens, 7-Eleven, Dollar General and many others), finding a store that has them should be pretty easy for you in most cases. (2)
2) Take Your cash and Load it onto Your Green Dot MoneyPak Card
This process really couldn't be much easier.
All you need to do is load your cash onto your Green Dot MoneyPak card.
A cashier at the store your at should be able to complete this process for your. You can load between $20 and $500.
Keep in mind, adding funds to your Green Dot MoneyPak card isn't free and will cost you a flat fee of $5.95.
3) Use Your Green Dot MoneyPak Card with Cash App
Once the money has been loaded onto your Green Dot MoneyPak card, you'll have to go through the process of setting up a free account with Green Dot.
Setting up an account should only be a one time requirement though so adding cash to your Cash App account in the future should be much faster.
Then you'd use the code that you scratch off on the back of your MoneyPak card to access the money.
Once the money is available on your Green Dot MoneyPak card, you should be all set with using it with Cash App.
Adding Cash to Your Cash App In Store Without a Bank Account (Common Questions)
How much does it cost to load my Cash App debit card in store?
Currently there is no way to directly load money onto your Cash App debit card in store. If you use the Green Dot MoneyPak work-around like recommended above, the cost to add funds to it is a flat $5.95 each time you do it.
Can I load my Cash App card at an ATM?
Currently, you can not use an ATM to load cash onto your Cash App debit card. (3)
Where can I load my Cash App card for free?
Currently, there is no way you can physically add cash to your Cash App debit card for free in store.
The only way to do it potentially without a charge is if you have a friend that you trust that has a Cash App account that you can give them the funds and have them send it to your Cash App account and in doing so, indirectly depositing that money into your Cash App account.
How to load your Cash App card with cash
You can load your Cash App card with cash at any one of the locations discussed in this article.
It's always recommended to call ahead though to ensure your local store can do this and that someone there knows how.
How to load money on your Cash App card without a bank account
By going to one of the stores listed in this article, you can add money to your Cash App card without using or having a bank account by using Green Dot MoneyPak.
Alternatively, if you know someone you trust who also uses Cash App, you could give them the money you want to load and have them send the money to your Cash App account using their Cash App account.
What if you have problems loading money on to your Cash App debit card?
If you are having problems loading money on to your Cash App debit card, it really depends on what specific issue you are having as far as what you can do about it.
If for whatever reason the location you went to doesn't have someone who knows how to process this type of transaction, your only option may be to go to a different location. It is recommended that you call ahead first though.
If you are getting an error of some kind when trying to add money to your Cash App debit card, the first step will be to reach out to Cash App customer support to see if they can help you with addressing the problem. (4)
If you want to use physical cash to reload you Cash App debit card without a bank account, it can be a challenge and your options are limited.
The best way is to use a Green Dot MoneyPak card to accomplish this but it's unclear how long this method will continue to work.
It's instead much easier to just use a bank account with Cash App. If you have a Chime account, check out our guide showing how to use Chime with Cash App.
1. David Curry, Business of Apps - https://www.businessofapps.com/data/cash-app-statistics
2. Green Dot MoneyPak Locations - https://www.attheregister.com/locations?services=6&showfilters=MoneyPakLocatorButton
3. Cash App Support - https://cash.app/help/us/en-us/3087-cash-card-atm-fees
4. Cash App Support - https://cash.app/support?category=SOMETHING_ELSE#category-detail/SOMETHING_ELSE