How to Use Cash App Under 18: Money Mastering App for Teens!

Written By Shalini Kapoor
Reviewed by Daisy Martinez
Last update:
Our site offers educational and informational content only, not professional financial advice. Consulting a financial advisor about your particular circumstances is best.

Are you tired of feeling like a cash-strapped teen? In this digital era, managing finances has become an integral part of our daily lives. However, if you’re under 18, you might wonder, “how to use cash app under 18?”

All we need is financial management, even at a young age! And for that, we need a reliable and user-friendly financial app. Here Cash App comes in – A tool for teens and tweens to manage their money easily.

Now, I know what you’re thinking. “But wait, How to use Cash App Under 18, is it not for adults?” Well, technically, you’re right. Does that mean your luck has no exit? 

No, Not Always!

This article will focus on the age factor for using cash apps. It will also discuss how you can use cash app under 18 to get the most out of its features. Let’s dive in!

Important Note: Cash App’s terms of service state that users must be at least 18 years old to sign up. If you are under 18, you may want to use Cash App. It is possible but only with permission and supervision from your guardians.Remember, we are here to help you, and don’t encourage breaking Cash App’s rules!

What is Cash App?

A cash app is a well-known method of making transactions with a mobile phone. It helps to send money to other people easily, split bills, and even help you buy Bitcoin. It offers a range of features that include:

  • Smooth transactions
  • Easy-to-use design
  • A Cash App card
  • Boosts and discounts
  • Peer-to-peer money transfers
  • Even investment opportunities.

Cash App is designed for users 18 years-old or above. So minors or younger ones should be careful while signing in for it. To use Cash App as a minor, one must know the terms of service and age limit restrictions. Cash App has many pros and cons. The benefits include:

  • Instant money transfers
  • Ability to make online purchases
  • Save and spend safely
  • Secured transactions
  • Keep your money safe

Trust me, it works like a charm!.

One can take advantage of all its features by learning how to use Cash App within the law. American author Mark Twain once said, “Age is an issue of mind over matter. If you don’t mind, it doesn’t matter.

Even though Twain’s quote inspires me, I still value the terms and conditions of  Cash App service. It is as important as your passion to achieve your money management goals.

Cash App Age Verification

Image source: Insider Intelligence

As per Cash App, individuals at least 18 are eligible to create an account. The Cash App age verification method is in place to ensure that users follow their laws. So, paying attention to the Cash App Age Limits is always necessary. It is best to wait until you’re old enough to use Cash App.

But being a minor, you want to do something crazy. Isn’t it?

Dont be sad! You are not alone. We are here to guide you. You can do wonders by following Cash App laws. But how is that even possible? 

Let’s see how minors can master the Cash App.

Can Minors Have Cash App Accounts?

YES! They can have it!

Cash App is mostly for adults, but a minor can start an account. For example, a minor can use Cash App under parental approval and guidance. Here is one important thing: the account will be related to the parent or guardian’s information. It will require their help to manage various activities. Following these rules is necessary to set up a Cash App account as a minor.

Steps to Use Cash App Under 18

As previously mentioned, it is important to obtain parental permission if you are under 18 and want to create a Cash App account. Get your parent’s consent and set up your account by these steps.

Step 1

Downloading the Cash App: Visit the app store on your phone and search for “Cash App.” Download and install the app on your device.

Step 2

Creating the Account: Open the app and follow the steps to set up your account. You need to give the correct details and choose the option for a minor account.

Image Source: Cash App

Step 3

Connecting Bank Account: Next, you must link your Cash App account to a bank account. You can also link it with your debit card to add money.

Step 4

Getting Parental Approval: Ensure you have asked your parents or guardian for permission. Once you ge their consent, then go through the proof process.

Step 5

Exploring the Benefits: Congrats! You’ve successfully set up your account. Now you can explore the Cash App’s different features. 

Are you ready to spend your Bitcoin, receive money, buy things, or invest? Let’s see how you can use Cash App efficiently and appropriately.

Using Cash App Under 18: Step-by-Step Guide

Your Cash App account is ready! It’s time to put money in your electronic wallet:

  1. Open the Cash app and sign in with your login details.
  2. Tap the “Balance” tab on the screen.
  3. Choose “Add Cash” from the menu.
  4. Add a bank account or debit card.
  5. Type in the amount you want to spend.
  6. Complete the purchase process.

Sending and Getting Money:

As you understand, the major benefit of Cash App is easy to send and get money process. To finish a deal, follow the steps:

  1. Open the Cash app and log in.
  2. Tap the “Cash” tab at the bottom center of the screen.
  3. Enter the $Cashtag, phone number, or email address of the person you want to pay.
  4. Enter the amount you want to give 
  5. If needed, send a message.
  6. Verify the information and click “Pay” to start the transfer.

To Receive Money:

  1. Firstly, ask the sender to open their Cash App account.
  2. Tell them to enter the $Cashtag, phone number, or email address.
  3. Let them confirm the terms of the exchange.
  4. Then wait for the money to show up in your Cash App balance.

Cash App for Kids Features and Limitations for Minors

Cash App has excellent features that minors can use. Here are a few of them:

1. Boosts

If minors use their Cash Card at stores or shopping malls, they can find special deals and savings.

2. Cash Card

With a cash card, minors can use their Cash App money to buy things anywhere.

3. Putting money

If minors want to earn something, they can start trading. Cash App offers such kids an easy-to-use investment option by putting money.

NOTE: It’s important to know that minors cannot do everything until they turn 18, as the cash app offers a few features to them. For instance, the cash app has different transaction limits for different accounts.

What Happens When You Turn 18 on Cash App?

Upon turning 18, many settings will be changed in your Cash App account.

Once you meet the age requirements, you can use more tools and do things you couldn’t do before. It is highly recommended to thoroughly review your Cash App’s rules and terms of service. It will help you understand what will change when you become an adult user. Here are some helpful steps to check security and privacy measures.

Security and Privacy Measures

The most important thing is Cash App account safety. Follow these steps to make your account safe:

  1. Enable PIN codes
  2. Use Touch ID or Face ID
  3. Set up 2-factor authentication
  4. Regularly review your transaction records
  5. Contact the Cash App customer service for any queries.

Track Transactions and Manage Budget

Keeping track of your spending and sticking to a budget is important. To enjoy this feature in Cash App, you can:

  1. Check the “Activity” tab to track your purchases and sales.
  2. Set spending goals and group your costs.
  3. Take advantage of “Cash App Boosts” to save money on purchases.

Is Cash App Safe for 15-Year-Olds?

Yes, Cash App is safe and easy to use for any 15-year-old. But it’s important to consider safety, especially for teens. A 15-year-old must be very careful and follow the account rules and safety tips.

In the next section, we will discuss specific safety steps that can be helpful to enjoy Cash App’s benefits while reducing the risks.

Image Source: Statista

Tips for Safe Usage of Cash Apps as a Minor

Remember that as a teen or tween, it’s important to use Cash App smartly. By getting good at Cash App, you can learn important skills for managing your money that will help you now and in the future. Here are some important tips that every Cash App user, especially minors, should consider:

Protect Your Account

Set a strong and unique password for your Cash App account. Don’t share it with random users. You can also turn on two-factor authentication for extra security.

Set Privacy Preferences

Take control over who can send you money by adjusting your privacy settings within the app.

Protect Personal Data

It is necessary to avoid giving out your personal information to others. So, only talk about private information if you have to.

Verify Recipients

Before giving money to someone, ensure it’s the right person. You can check that by double-checking their username or phone number.

Monitor Transactions

Keep checking your transaction records regularly to see if there have been any unauthorized actions.

Seek Parental Advice

Get your parents or guardians involved in handling your Cash App account. It will help you ensure you are using it correctly.

Beware of Scams

You should be mindful of scams and other things that differ from what they seem. Be careful when people you don’t know well ask you for money.

By implementing these safety measures, you can use Cash App securely and protect your finances.

Cash App vs. Other Money Management Tools 

A cash App is just one of many options when dealing with money as a minor. There may be more ways for parents to control other tools for managing money for kids. You should look into these options and discuss them with your parents to find the best one for your needs.


If you’re under 18, you may have other queries about using Cash App.No more worries. Below we’ve tried to answer some of the most frequently asked questions to save you from trouble.

Can someone under 18 use Cash App?

Yes. A 18-year-old can sign up for Cash App, but he/she will need their parent’s permission to use it. 

Do I need permission from my parents to use Cash App?

Yes. Cash App is mostly for adults, but a minor can use it with parental consent and support.

How to remove a family account on Cash App?

You can contact Cash App’s customer service to delete your family account. They’ll walk you through the steps and tell you how to remove it.

Are there any transaction limits for a minor on Cash App?

Yes. Cash App has transaction limits for a minor. It controls how many times a minor can use their account.


In a nutshell, Cash App for teens and tweens can help them learn about money and become financially independent. This guide has shared ]steps and tips on how you can use Cash App like a pro. The key to success with Cash APP is to stay safe online and make informed financial decisions.

It’s your turn to supercharge your Cash App account and take charge of your future finances!

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Shalini Kapoor is a dedicated financial writer and editor at Currently pursuing her Master's in Accounting, she possesses a unique blend of academic rigor and practical insight into personal finance. Shalini is fervent about empowering individuals with actionable financial advice, grounded in her in-depth studies and natural flair for simplifying complex topics. As an editor, she ensures every piece of content meets the highest standards of accuracy and relevance. With a passion for continuous learning, Shalini is not just sharing knowledge but also constantly expanding her own, to benefit the readers of

Content Disclaimer: Our site offers educational and informational content only, not professional financial advice. Consulting a financial advisor about your particular circumstances is best.

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