How to Make Money Using Cash App

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Banking has never been easier since the introduction of countless online apps and services. From Zelle and PayPal to Venmo and Apple Pay, now people can send and receive money from friends, family, and customers.

One such app that’s exploding online is Cash App. Convenient and secure, this app not only lets you send and receive money but also issues users a bank account and debit card. For anyone interested in launching an online business, you need to know how to make money using Cash App. And we’re here to help.

Whether you’re selling feet pics online, making money off your sexy used panties, or selling other services, Cash App may be the way to go. Keep reading to learn the pros and cons of this payment method plus tips for making money.

What is Cash App?

Cash App is a mobile wallet and financial payment platform similar to the ones mentioned above (PayPal, Zelle, etc.). Not only do people use Cash App for their daily personal banking needs but it’s also growing as a popular payment method for businesses – both online and in person.

The app was first launched in 2013 under the name Square Cash. The company is co-founded by the founder of Twitter, Jack Dorsey. Later, the app’s name switched from Square Cash to the more appropriate and catchy, Cash App.

Although the app does offer banking services, it isn’t an actual bank. Instead, it’s a financial platform that works closely with established banks. Basically, these banking partners let Cash App offer its customers debit cards and other services, which are covered by the FDIC (Federal Deposit Insurance Corporation). One downside to Cash App is that it’s not available worldwide, just yet. Currently, you can only access and use this payment app in the U.S. and U.K. On the plus side, Cash App is one of the only apps that makes it easy to buy and sell Bitcoin, if digital currency is your thing.

How Does Cash App Work?

Getting started on Cash App is relatively easy. If you have a smartphone and access to the app store, you’re in business. Simply download the app, and enter your name, email or phone number, and zip code. The app will then ask you to create a user name (also called a $Cashtag) that people will use to send you money or request a payment. You can also find each other using an email address, phone number, or name.

Once your account is active, you’ll need to connect the Cash App to an existing bank account. This unlocks all of the app’s features and services like transferring money directly to and from your personal bank accounts.  (But, don’t worry, you can still use Cash App without a bank account). 

If you’re using Cash App to make money, it’s important to know that once you receive a payment you can either keep your money in your Cash App or transfer it to any of your linked bank accounts. Similar to PayPal, Cash App charges a small fee for instant transfers. Transfers that take 1-3 business days are free. 

You’ll also receive a free Cash Card which acts just like a Visa debit card that you can use both online and in-store to make purchases. This digital wallet will instantly deduct funds from your Cash App account. Most Cash App users need to be 18 years of age or older, although parents can request a Cash Card for children as young as 13 and the features are limited. 

Is Cash App Safe and Secure?

For the most part, Cash App is just as safe as any other payment method of its kind. It uses secure servers, encryption technology, and fraud detection to help keep your money, identity, and other important data safe. But, as with any online banking system, it’s not full-proof. While Cash App works to do its part to protect your best interests and finances, there are things you can be doing too. 

The first thing you need to know is that there are similar apps out there that look like Cash App but are actually knock-offs. When you search for Cash App in the app store, make sure you’re downloading the legitimate app. You’ll know because it will also say Square Inc., the app's former name. You also need to keep your eye out for online scams. Here, scammers use the Cash App brand and similar URLs or tags to convince unsuspecting people to enter their personal and banking information. For example, People see the words “cash app” and assume the link is legitimate when, in fact, it’s scammers looking to steal your sensitive data.

Another thing to know about using Cash App is that all transactions and payments are completed instantly. That means canceling an incorrect payment or one made in error can be pretty difficult. However, Cash App does monitor activity and will sometimes cancel a charge or transaction if it looks suspicious or fraudulent. At the end of the day, it’s your responsibility to make sure that you’re sending and receiving money from the correct people. If you fall victim to an online scam, you can try hitting the “request” button for a refund but there’s no guarantee that Cash App can successfully retrieve your funds.

Other, more basic, safety measures include choosing a secure password, PIN, and sign-in code. Once you do, don’t share them with anyone! Cash App will never ask you for your information, either, so if you get a request to “test” a payment or download new software, beware because it’s definitely a scam.

Cash App does offer users additional security features like two-factor authorization, disabling your Cash Card if it’s lost or stolen, and implementing Security Lock which requires you to enter a passcode anytime you authorize payment. You can also enable text or email notifications each time a purchase is made or money is transferred. This way, if a fraudulent transaction occurs, you’ll know right away and can take action. 

How to Make Money Using Cash App

Now that you know the basics of how Cash App works and what you need to get started, let’s talk about making money on the platform. 

Start an Online Business

Cash App makes it easy to charge clients for a multitude of services and receive payment quickly and securely. If you were ever thinking of starting an online business or exploring sexy ways to make money from home, now’s the time!

There are countless ways to earn a sexy side hustle from the comfort of your home by selling used panties and bras, writing erotica, starting an OnlyFans page, or becoming a cam model. While not all online business ventures surround adult content, the fact remains that sex sells. When you decide on your new online career, you can easily upload your Cash App $Cashtag or a link to your bio on social media, and customers can easily and securely send you payment for your services and products. 

Just Sign-Up

That’s right. You can actually earn a few bucks just for signing up for the app. When you register on Cash App, the platform will pay you $5. All you need is a free money code to access these free funds. Another caveat is that in order to receive the money, you’ll need to complete an online transaction within 14 days of opening your account. 

Refer a Friend

Referral programs are a popular way to make extra money on a variety of platforms (including Sofia Gray). Refer a friend on Cash App and earn another $5 bonus if they sign up using your invitation link. Not only does the referral program earn you money but it gets our friends, family members, and clients on the app so you can easily send and receive money without the hassle of using multiple payment methods.

All you need to do is click the “invite friends” button in the app and send the invitation link to people on your contact list. You can also send it via a phone number or email address if it’s more convenient. Once they click the link, Cash App will guide them through the sign-up process and you’ll get paid!

Friday Giveaways

TGIF! Cash App users get a chance to earn money every single Friday by entering giveaways and sweepstakes. All you have to do is check their Twitter or Instagram accounts for weekly announcements. The amount of these giveaways fluctuates and may include things like a $25 discount on Bitcoin deposits or even bigger payouts reaching amounts as high as $40,000! You need to follow their social media accounts to be eligible and for a chance to win.


In addition to sending and receiving money and using a convenient Cash Card, Cash App also offers users unique investment opportunities for U.S. residents over the age of 18. For as little as $1, you can invest a percentage of your funds into certain stocks without paying a commission. This is done using the Cash App Investing feature.

Once your money is securely invested, you can keep track of the fluctuating stock prices in real-time, create a “favorites” list of companies that you follow so you never miss an update, and monitor your personal investment portfolio. If the stock performs well, you earn money. If not, you can withdraw your investment and try your luck with a different stock. Similar to the traditional stock market, investing is a risky business so only invest what you can afford to lose.

Buy and Sell Bitcoin

Cryptocurrency took the world by storm in 2009 and has only increased in popularity since then. Even if you know nothing about Bitcoin, Cash App offers unique opportunities for users to buy and sell this digital currency. You can also send and receive Bitcoin as another form of payment. 

Be sure to read the fine print before buying or selling Bitcoin on Cash App since each transaction comes with a small fee. On the other hand, sending or receiving Bitcoin is free! Similar to stocks, the Bitcoin market is constantly changing, which makes this a high-risk investment. But for those with knowledge about cryptocurrency and some extra money to spend, the risk could definitely pay off. 

Cash App also lets users choose a “paid in Bitcoin” option where a portion of the money they receive is automatically invested in Bitcoin without a fee. You can also earn free Bitcoin through another feature called Bitcoin Boost. Similar to Cash App’s Cash Boost (more on this later), the amount of Bitcoin you earn depends on the purchases you make. Once the Bitcoin is deposited into your account, you can choose to keep it or sell it for cash. Bitcoin Boost is great for those unfamiliar with cryptocurrency to learn more about how it works and invest in it without taking huge financial risks. 

Take Advantage of No-Fee Transactions

If you’re tired of using other payment methods that charge you a fee or percentage for every transaction, you’ll love Cash App. This financial platform lets you easily send and receive money without paying a dime! This includes receiving payment for online services or products, accepting money from friends and family, or lending someone money. All of these transactions occur without any overhead fees or deductions. The fact that your Cash App account is linked to your bank account only adds to the appeal and convenience. Now you can easily transfer funds to and from your accounts with minimal hassle and only a small fee if you choose the instant transfer option.

Earn Cash Card Bonuses

Similar to earning cash back or points with other major credit cards, Cash App offers bonuses when you use your Cash Card. This Visa debit card offers discounts on certain purchases and from pre-selected merchants, both online and in person. Shop using these stores and offers and you can receive money back and a discount at checkout. 

You can also earn Cash Boosts when you use your Cash Card at restaurants, retail stores, and online. Cash App lets you use a single Cash Boost at a time. It’s easy to access, activate, and switch these boosts right inside the app. All you have to do is click “Save with Boost” and browse the current offers. Then, find and add the “boost” you want to use before making the purchase using your Cash Card. The Cash App will automatically deduct the discount from your balance. 

Save on ATM Fees

For anyone receiving a check via direct deposit on Cash App, you can get reimbursed for any ATM fees you incur during that time. Your check just needs to be over $300 to qualify for this benefit.

File Your Taxes with Cash App

Back in 2020, Square Inc. partnered with Credit Karma Tax and renamed the tax service Cash App Taxes. Now, Cash App users can conveniently file their taxes using their smartphone or a computer for no extra charge. And if you plan to earn money online and accept payments via Cash App, you’ll need to learn a thing or two about filing taxes as a self-employed individual or using a 1099 form. Cash App can help with this! 

Download Cash App and Start Making Money on Your Terms

Are you looking for an easy, convenient, and secure way to send and receive money? Whether you’re lending money to a friend or launching your own online business, Cash App offers a variety of ways to safely send, receive, and transfer money.

Now that you know how Cash App works, you can start brainstorming fun and sexy ways to make money from home. Click here for some more inspiration!