You cannot transfer money directly from Venmo to Cash App
Venmo and Cash App are separate payment networks that do not connect to each other. You cannot send money from your Venmo account straight into your Cash App account. Instead, you move money out of Venmo into your bank account first, then deposit it into Cash App — or withdraw cash and add it manually to either service.
The process takes one to three business days because both services rely on the banking system to move money. There is no faster route between the two apps themselves.
Key Takeaways
- Venmo and Cash App do not link to each other, so you must use your bank account as the middle step.
- Transferring from Venmo to your bank takes one to three business days, and adding money to Cash App from your bank takes another one to three days.
- You can also withdraw cash from an ATM using Venmo's debit card, then deposit that cash into Cash App at a partner location or ATM.
- Both apps charge fees for when ready transfers to your bank, but standard transfers are free.
Moving money from Venmo to your bank account
Open Venmo and tap the three horizontal lines (menu) at the bottom right. Select "Transfer Money." Choose "Transfer to Bank." Venmo will show you the bank account linked to your Venmo profile — this is where the money will go.
Enter the amount you want to transfer and confirm. Venmo offers two speeds: a standard transfer that takes one to three business days and costs nothing, or an when ready transfer that arrives within 30 minutes and costs 1% of the amount (minimum 25 cents). Choose standard transfer unless you need the money when ready.
Once the money lands in your bank account, you can then add it to Cash App. This is the slowest but cheapest route.
Adding money from your bank to Cash App
Open Cash App and tap the bank icon (usually labeled "Cash" or showing a dollar sign). Select "Add Cash." Enter the amount and choose your linked bank account. Cash App will pull the money from your bank, which takes one to three business days for a standard transfer.
Like Venmo, Cash App also offers when ready transfers for a fee — usually 1.5% to 2% depending on your bank. If you are already waiting for money to arrive from Venmo, adding it to Cash App through a standard bank transfer keeps the total cost at zero.
Using a debit card to move cash between apps
Venmo offers a debit card that lets you withdraw cash from ATMs. If you have this card, you can pull cash out of an ATM, then add that cash to Cash App at a partner location. Cash App partners include Walmart, CVS, Walgreens, and other retailers that offer Cash App cash loading services.
This method avoids bank transfers but requires you to physically handle cash and find a partner location. It also works only if you have a Venmo debit card — not all Venmo users do.
Timing and fees at a glance
| Route | Time | Cost |
|---|---|---|
| Venmo to bank (standard) → bank to Cash App (standard) | 2–6 business days | Free |
| Venmo to bank (when ready) → bank to Cash App (standard) | 30 minutes + 1–3 days | 1% of Venmo transfer |
| Venmo to bank (standard) → bank to Cash App (when ready) | 1–3 days + 30 minutes | 1.5–2% of Cash App transfer |
| Venmo debit card ATM withdrawal → Cash App cash load | when ready | Free (if no ATM fee) |
What to check before you transfer
Make sure your bank account is linked to both Venmo and Cash App. If it is not, you will need to add it first — both apps require your routing number and account number, which you can find on a check or in your online banking portal.
Confirm that your Venmo balance is high enough to cover the transfer. Venmo shows your available balance at the top of the app. If you do not have enough, you will need to add money to Venmo first from your bank account.
Check whether your bank has any daily transfer limits. Some banks cap how much you can move in a single day, which could delay a large transfer across both apps.
Frequently Asked Questions
Can I send money directly from Venmo to someone's Cash App?
No. You can only send money within Venmo to other Venmo users, or within Cash App to other Cash App users. To move your own money between the two apps, you must route it through your bank account.
Why does it take so long to transfer between the apps?
Both Venmo and Cash App rely on the banking system to move money, which operates on business days and takes one to three days for standard transfers. when ready transfers are faster but cost a fee. Neither app can move money outside the banking network.
Is there a limit to how much I can transfer?
Venmo and Cash App both have weekly and monthly limits that vary based on how long you have used the app and whether you have verified your identity. Check your app's settings under "Limits" or "Account" to see your current maximum. Your bank may also have its own daily transfer limits.
What if my bank account is not linked to Cash App yet?
Open Cash App, tap the bank icon, and select "Add Bank Account." Enter your routing number and account number from a check or your online banking portal. Cash App will verify the account with two small deposits, which takes one to two business days. After that, you can transfer money in and out.
Can I transfer money back from Cash App to Venmo?
Yes, using the same method in reverse: Cash App to your bank account, then your bank account to Venmo. The timing and fees are the same — standard transfers are free and take one to three days, when ready transfers cost a percentage and arrive within 30 minutes.