how to use Cash App without SSN | 8 Effective Ways
Be aware of Cash App scams and phishing attempts. The Cash App team never asks you to share your account login details, PIN, or SSN to process your payment. Cash App is a US-based popular digital banking and mobile payment system. This app is not a traditional bank but offers banking-like services, Cash App card, borrow money, etc.
So, what is this Cash App SSN? How to use Cash App without SSN?
Keep on reading to learn about Cash App SSN, its uses, benefits, and more.
What is a Cash App SSN or SSN?
Sharing your Social Security Number (SSN) with Cash App is about keeping your account and personal information safe. Cash App has the permission of the government to collect its user’s SSN to provide banking-like services under the Law called the Patriot Act.
SSN includes nine numbers that every American gets (usually shortly after being born in the US). Many immigrants can also get it in certain situations. The US government uses SSNs to track your social security requirements for money. You require an SSN to submit crucial documents, apply for a credit card, or open a bank account.
The importance of an SSN is similar to your passport number in the US. To get an SSN, you need to show that you are either born in the US or have permission to stay in the US. Let’s move forward to find out how to use Cash App without SSN.
How to Use Cash App Without SSN?
Cash App offers a convenient way to pay and receive payments from anyone. However, how to use Cash App without SSN? Is it tricky using a Cash App without SSN? Here we have steps to use Cash App without an SSN:
- First, install the application from Play Store or AppleStore.
- Then, open a Cash App account using your Gmail or phone number.
- Then go to the send money open and select – I don’t have an SSN.
- Send money to a Cash App user by adding his phone number.
- Select the option Pay or Request.
- Then, the receiver will get a verification code on his number.
- Ask the receiver to enter the code in the verification box.
- You can send the money when the receiver enters the verification code.
Check your sending or receiving limit for the week if your transaction
failed or shows any error. An unverified account holder cannot send and receive $250 within 7 days and $1000 within 30 days, respectively.
Why Does a Cash App Ask for Your SSN? Reasons in 2023
Cash App, created by Block Inc., is a trustworthy app for sending and receiving money without waiting in long bank queues.
You do not need to do anything extra to create a Cash App account;
download the app and link your phone number, email, and bank account, and that is it.
But there is another step, and that is adding your SSN. Why does the Cash App ask for your Social Security Number (SSN)? Cash App needs your SSN and ID details to maintain the legitimacy of your Cash App account. Cash App is a money transfer service that must follow the federal government rules. Cash App follows the USA PATRIOT Act, a program to confirm the identities of users transactions.
On top of that, adding your SSN in the Cash App helps the application to prevent fraud and scams. Cash App takes a comprehensive approach to maintaining a safe platform.
Cash App enforces the verification of user accounts being a certified payment app. You share your SSN as part of this verification. Your SSN holds significance in this verification process.
Here are other reasons for this requirement:
- Cash App is for individuals who are 18 or older. You must input your SSNs and identification details to confirm your age and establish your identity.
- Cash App operates as a money and payments investment platform. Due to legal obligations, they must gather Know Your Customer (KYC) and Anti-Money Laundering (AML) information from all their customers. In the current landscape, nearly all legitimate payment and finance-related apps require an SSN for verification and security.
Can You Use a Cash App Without an SSN?
You can use the Cash App without providing an SSN. However, lacking an SSN means you would not be able to complete the identity verification process, which in turn limits your access to certain features within the app. These limitations encompass lower sending and receiving limits, the inability to apply for the Cash App Card, restricted investment features, and more.
If you choose not to share your SSN, you can still use Cash App with restricted access to its full features.
Operating as an unverified Cash App user means locking yourself in a tight shelf and stopping to perform some actions. You can still set up an account and link a bank or debit card to your Cash App account. You will face limitations in sending, receiving, storing, and requesting money from other Cash App users.
However, these actions are subject to limitations. For instance, unverified users can only send up to $250 within 7 days and receive a maximum of $1000 within 30 days.
Additionally, you could not order and activate the Cash App card, facilitate instant tax refunds, enable direct deposit, or receive payments like stimulus checks and salary earnings directly into your Cash App wallet. Other benefits, such as Bitcoin and stock trading, will also be curtailed in scope.
So, provide Cash App with your SSN for the safety and security of your account, details, and hard-earned money.
