Money transfer apps and digital wallets such as Cash App and Zelle are booming in the financial ecosystem. However, questions are popping up on whether Zelle work with Cash App. We'll see later how to send money from Zelle to Cash App.
Cash App lets you send money to friends and families and also receive money.
Zelle works the same way like Cash App, but Cash App offers more benefits over Zelle.
Both have low costs and fast transfer timeframes, making them ideal for those who need to send money to relatives and friends as soon as possible.
However, Cash App does not have an option to directly link a Zelle account meaning, Zelle does not directly work with Cash App. Also, Zelle doesn't work with Chime either.
You cannot send money from Zelle to Cash App directly. However, there is an indirect way to complete the transfer.
You can use a bank account as a bridge to withdraw funds from Zelle and later on transfer to your Cash App account.
That said, this guide compiles a step by step process to help you send money from Zelle to Cash App.
What is Zelle?
Zelle is an online payments service based in the United States owned by Early Warning Services, LLC, a private financial services company owned by the banks Bank of America, Truist, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank, and Wells Fargo.
How Do I Get Started With Zelle?
Joining with Zelle is simple, especially if your bank supports the service. To get started, go to the Google Play Store or the App Store, depending on your phone's operating system, and download Zelle.
The essential information, such as your contact details (an email address and a U.S. mobile number), and a Visa® or Mastercard® debit card with a U.S.-based account, is entered next in the enrollment process. International debit and credit cards are not accepted by Zelle.
You can send, receive, or request money once you've fully joined. You only need to provide a buddy your phone number or email address and ask them to send you money using Zelle®.
Curiously, as long as their bank supports Zelle, anyone with a US bank account can receive money using Zelle. Check here to see if your bank or the bank of the recipient supports Zelle.
What is Cash App?
Cash App is a digital platform that, like Zelle, allows users to transfer and receive money. Square Inc, a payment company based in the United States, created the app. You can use the app to pay for goods and services in addition to sending and receiving money.
Most online merchants accept Cash App payments, making it simple to complete transactions using the app.
Users of the Cash app have a unique username called $Cashtag, which is followed by a unique number that identifies each user. As you can communicate like a social media network, you can use someone else's $Cashtag to seek money.
Cash App also provides its users with a debit card upon request. However, using the card is not required because there are a variety of ways to receive money from the Cash App without one.
When you pay bills online, for example, you are simply withdrawing funds from your Cash App. When you send money to others, the same rules apply.
How Do I Create a Cash App Account?
Before you do anything, you must first create a verified Cash App account from the Cash App mobile or web app.
All you have to do is to connect your phone to the internet, launch the app and follow the on-screen process to open an account. The app will ask for your US phone number, which they will verify by sending you a code.
Other information, such as your email address and name, will be provided next. You'll also have to pick a $Cashtag (the user name that people will use to send you money).
After that, you can enter your bank account information to fund your transactions. Instead of a bank account, you can add a debit card.
If you don't have a bank account or don't want to open one right now, you can skip this step and add one later. Once you've completed the account creation process, you can head to the home page and start looking around. You may also start inviting others and receive prizes when they sign up using your name.
If you change your mind, you will be able to adjust your profile settings. However, you should be cautious while selecting your $Cashtag and other data, as you can only modify them twice. It's critical to provide a profile photo so that your friends can recognize you when donating you money.
Here's a complete guide to open and verify a Cash App account.
Does Zelle Work With Cash App? Can You Send Money from Zelle to Cash App?
Cash App doesn't have a feature to link a Zelle account — meaning, Cash App does not directly work with Zelle.
That said, you cannot directly send money from Zelle to Cash App.
However, there is an indirect way to send money from Zelle to Cash App which will involve a bank account that will act as a middleman for the transaction.
You will first have to withdraw money form Zelle to your bank account and then transferring the money from your bank to Cash App.
How to Send Money from Zelle to Cash App
As earlier said, In order to successfully send money from Zelle to Cash App, you will first need to link a bank account to both Zelle and Cash App and then using it as a middleman to transfer money between the two accounts.
Here is a step by step process to transfer money from Zelle to Cash App
Step 1: Link Cash App to Your Bank Account
The first step in sending money from Zelle to Cash App is to create a Cash App account and link it to your preferred bank account.
You'll need an account number and routing number to link your bank account to Cash App.
If you already have a Cash App account, you've probably linked it to a bank account. However, if you haven't yet done so,
Here's how to link Cash App to a bank account:
- Login to Cash App.
- Go to "Banking" tab.
- Select "Linked Accounts"
- Select "Link Bank" and provide all the required information to link your bank account to Cash App.
Step 2: Link Zelle to Your Bank Account
Over a thousand banks and credit unions use Zelle as a payment service. To send money from Zelle to Cash App, both services must be linked to the same bank account.
Payments are not held in the middle of Zelle, and money is sent instantly from one bank account to another. On Zelle's Get Started page, you can see if your bank is a Zelle partner.
Here's how to link Zelle to your bank account:
- Go to Zelle's "Get Started" page and locate your bank.
- Scroll till you see your bank listed.
- Connect your bank to Zelle by following the steps that will be provided.
If your bank isn't listed on Zelle's page, don't worry, here's how you can link it to Zelle.
Step3: Transfer Money from Zelle to Your Bank Account
You can use Zelle as a beneficiary account to send money to Cash App because it doesn't retain funds in between and transfers them directly to your bank account.
You can keep transfers separate because Zelle works with numerous banks. Any money you receive that you wish to spend on Cash App can be transferred to a single account. The remainder of your funds can be allocated to any other accounts you may have.
If you need to transfer money from a bank account to Cash App, you can use Zelle to send it to the Cash App-linked account. Instead of waiting for someone to send money into the correct account, you can transfer your own money around this way.
Step 4: Spend the Money with Cash App
You can use Cash App to access the money once it has arrived in your bank account through Zelle.
You might spend it in a store or online with your Cash App card. You might also send the money to another Cash App user without incurring any costs.
Unless you're creating a budget for yourself, it's generally not worth depositing the money into your Cash App account. If not, the money will be kept in the Cash App.
At the same time, if necessary, you can withdraw the funds back into your bank account. Unless you know you'll need the money in your Cash App account right away, this step is optional.
Can You Use Cash App on Zelle? Can You Send Money from Cash App to Zelle?
You cannot use Cash App on Zelle. Cash App cannot integrate with Zelle and the same situation goes the other way round. Meaning, you can't equally transfer or send money from Cash App to Zelle. The only way to go through this is by using a bank account as a middle man.
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Final Thoughts on How to Send Money from Zelle to Cash App
Both Zelle and Cash App are different payment platforms that operate in different ways. Cash App is a peer-to-peer money transfer app that lets users send and receive money with just a few clicks.
Cash App stores money or payments received from others in your account's wallet, which is referred to as Cash App balance.
Zelle, on the other hand, is a payment service that allows customers to transfer money from one bank account to another. Both are electronic payment systems that enable you to receive and send money. You can use a smartphone or an app to access either of the platforms online.
Because the two apps don't support money transfers, you can't directly send money from Zelle to Cash App and vice versa. Using a bank as a middleman for the transaction is the only way to complete the transfer.