How To Get A Cash App Card Under 18 (+ bonus tip)

People have always if teens under 18 can utilize Cash App.

Some parents also ask if their children can safely use the money transfer application.

That said, let’s talk about our teens and Cash App.

Originally, we were going to get a cash app account for my son, but it was complicated.

Since I already use cash app, I thought about adding money to our Cash App account and giving him access to my cash card.

I decided against it.

But then, Cash App began offering teens to use Cash App as a minor account as long as they had a parent as an authorized user.

So now, teens aged 13-17 can get their very own cash app bank account!

But for a teen under 18 to get their own cash app card, they will need a sponsored account.

Ok, what’s that?

You need a Cash App Sponsor

So to get your Cash App card as a teen, you need a sponsor.

What I find interesting is that a sponsor doesn’t necessarily have to be a parent or guardian.

Cash App says a sponsor needs to be a parent or a trusted adult.


[Prefer to learn the process via video? If so, here’s a vid I made on it. Or you can watch below!]

You can also get

Why Cash App?

I’m a big fan of Cash App, and I love tools that make it easier to get going in the banking system.

Cash App does just that.

cash app homepage

It’s pretty dang simple to add money to your account and to get a debit card with them.

It allows for quick money transfers via their app.

Downloading Cash App is simple.

You need to go to App Store or Google Play and search for Cash App.

The application should appear at the top of the list with its top-notch statistics.

However, to assure you, the application’s logo has a white dollar sign on a green platform.

After finding the application, click the “Install” button on your screen.

Remember that Cash App only allows users from the United States.

That means if you don’t live in the US, then the application will not work for you.

Also, Cash App runs a promo where a user with a referral code receives free $5.

Learn more here about getting free money for using Cash App!

The promo only runs for new users and can just be received after a successful transaction.

Now look, Cash App isn’t the only player in the game!

I also use Venmo.

And if you use both, you can indirectly connect them in order to transfer money between them.

We also wrote this guide comparing the big three: Cash App vs. Venmo vs. Zelle

Ok, to let’s talk about some of the benefits for teen users.

Why Should Minors Have Cash App With Them?

Why would people need a child or a minor to have access or an account for Cash App?

With all the advancements in technology, having a convenient way to transfer money to one another is a necessity.

Parents can set up a Cash App account for their children so they can easily send money.

Parents can also easily exchange money with their teens as well.

Sometimes emergencies happen, and you can’t get cash for your kids.

So having a convenient money transfer application like Cash App is needed.

The Cash App Conflict

When setting up a Cash App account, the application requires an ID to prove that the holder is of legal age.

You can sign up from 13-17 if you have an authorized parent or guardian sponsor you.

Nonetheless, teens can still access the app even without an ID.

Specifically, the account of the minors can receive money from the parents or sender.

However, my son was not able to get a cash card since he was under 18.

I helped him set up his Cash App account.

He got a bank card, but he was unable to activate it.

This problem may have been solved by Cash App since then (my son is currently using a debit card from a local bank, so I can’t verify).

One solution requires the user to give their Cash App Cash Card or a Visa Card to the minor.

In that situation, the kid would not need to verify his age anymore.

Instead, all the minor needs to do is perform the transaction after inputting the PIN on the card.

I decided against this.

While I trust my teen, I also use my cash app to collect payments on my own, so I don’t want to cause issues.

It would worry me for a large payment to come through my cash app, but my son has the card in his possession for use.

So we scratched this idea.

But this is how the example would work.

Let’s say the parent only wants the kid to spend $10 of money from the Cash Card.

Then the parent should put just the said amount into the card before giving it to the child.

That way, the minor only has access to the allocated 10 dollars.

Also, it assures the parent that the child will not overspend.

Nonetheless, if the kid needs more money, then the parent could add more amount to the Cash Card.

The solution mentioned remained a viable option for parents that want their child to have a Cash App Account.

However, their children can potentially face a conflict when going for this option.

For example, the cashier might seek an ID to verify if the kid owns the card.

If the credentials do not match, then they might treat the act as fraudulent.

This could cause an issue.

However, if the minor can successfully provide the PIN, then the store might let him off the hook.

Also, another solution that users suggest is for the parents to set up another account of their own for their child to access.

That way, not only do they give their child access to the application, but they also have the capability to track the transactions that occurred.

Since they initially own the account, they know the email and password, thus can easily access it.

I thought about this method but didn’t want to have to keep track of two different cash app accounts.

But I think that all of this has been fixed with Cash App now allowing teens less than 18 to get their own Cash App bank card.

Bonus + Conclusion

Cash App keeps evolving and getting better.

And now, allowing teens less than 18 (13-17) to join the app and get their own Visa debit card.

Ok, for that bonus I promised.

You can get savvy with the app and get up to $15 for sharing your referral code.

Boom, enjoy!

Cash App FAQ

How old do you have to be to have cash app?

If you have a parent or responsible adult that sponsors you, you can get the app even if you’re under 18 (must be 13+)

Can I get a cash app card for my child?

Definitely. You just have to sponsor them if they are a teen less than 18 years old.

Can I use the cash app without a cash card?

Yep, for sure. But you’ll only be able to move money back and forth between cash app accounts. Someone would need to give you real money (actual cash) in exchange for sending them some funds. Otherwise, it’s stuck in the app.

Disclosure: This article might contain affiliate links to the resources I refer to. It's at no cost to you, and it's how we pay the bills. Get more info here.

Brooks Conkle Banner Image
Brooks Conkle

Brooks is an entrepreneur, father, husband, & follower of the golden rule. He has over 15 years of experience as an entrepreneur after graduating with a Finance degree from Auburn University. Addicted to starting new business projects, he believes in creating multiple income streams and a life of flexibility. Business should work around your life, not the other way around. He creates content on his website, sharing his projects to help other hustlers in marketing, personal finance, and online business.