How to get money back on cash app

Q: What happens if I get scammed on Cash App?

If youve fallen victim to a scammer on Cash App, here are options you have for reporting the fraud and attempting to get a refund of the fraudulent charges: Cancel the payment. Request a refund. Dispute the transaction.

SAFE: Help protect all your payments and investments with a passcode or biometric features. Pause spending on your Cash Card with one tap if you misplace it. All of your information is stored securely.

Table of Contents Show

How to get a refund on Cash App
Request a refund from the recipient
Cancel your payment and get a refund
How long does a refund take?
What to do if you were scammed
Can you get a refund on Cash App if scammed?
How do I get a refund from Cash App?
Can I dispute a Cash App transaction?
What happens if I get scammed on Cash App?

FAST: Sign up and make your first payment in minutes. Instantly send and receive money from friends. Transfer money from Cash App to an external bank account instantly instead of waiting days. Use your Cash App account and routing numbers to receive deposits up to two days earlier than is standard with most banks.

FREE: Send and receive money at no cost. Order your debit card for free in minutes, and we’ll mail you your custom physical debit card in about a week. Invest in your favorite stocks commission-free with as little as $1. Brokerage services provided by Cash App Investing LLC, member FINRA / SIPC.

HERE’S HOW IT WORKS
Download and sign up for Cash App in a matter of minutes. The signup process is simple and fast so that you can start using Cash App right away.

SEND AND RECEIVE MONEY INSTANTLY
Receive, request, and send money from friends and family instantly with only a few taps. Cash App is the easy way to pay a friend back for dinner or split rent with your roommates.

GET A FREE CUSTOM VISA DEBIT CARD
Order your Cash Card (a customizable Visa debit card) directly from Cash App. You’ll be able to instantly make purchases using your virtual card. We’ll also mail you your physical laser-etched Cash Card so you can swipe, dip, or tap at any merchant. Debit card issued by Cash App’s bank partner(s). ATM withdrawal fees may apply.

RECEIVE YOUR PAYCHECK UP TO TWO DAYS EARLY
Deposit paychecks, tax returns, unemployment benefits, government stimulus payouts and more directly into your Cash App balance using your account and routing number. Receive deposits up to two days earlier than is standard with most banks. Use the same account and routing information to pay bills using your balance. Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s).

GET INSTANT DISCOUNTS WITH CASH BOOST
Cash Card is the only free debit card** with instant discounts at your favorite stores, websites, apps, and restaurants. These instant discounts are easy to use and are applied to Cash Card transactions instantly. Just select a given Cash Boost in your app and then use your Cash Card to pay. It’s that simple. No points, no waiting, just instant savings.

BUY, SELL, SEND, AND RECEIVE BITCOIN
Cash App is the easy way to buy, sell, send, gift, and receive bitcoin (BTC) — get started instantly with as little as $1. You can also set up recurring buys of bitcoin, withdraw it to a different cryptocurrency wallet — or send it to friends and family with compatible wallets (even those who don't have Cash App) and use the Lightning Network to pay with bitcoin faster, and for free on Cash App. Add Bitcoin Boosts to your Cash Card to earn bitcoin on your purchases. Bitcoin services are provided by Cash App.

BUY & SELL STOCKS COMMISSION-FREE
Instantly begin investing commission-free. You can buy as little as $1 of stock in top US companies.*** Track stock prices in your app and monitor the performance of your overall investment portfolio. Create a list of companies to follow so you can stay up to date on performance.

*Brokerage Services are provided by Cash App Investing LLC, member FINRA/SIPC, subsidiary of Block, Inc. (fka Square, Inc.). Investing involves risk; you may lose money. Investments are not FDIC insured. Cash App provides Bitcoin services, not Cash App Investing LLC.

**Cash App is a financial services platform, not a bank. Banking services and Cash Card are provided and issued by Cash App’s banking partners, not Cash App Investing LLC.

***Fractional shares are not transferable. For additional conditions and limitations, see the Cash App Investing Customer Agmt.

Like many other peer-to-peer transfer services, Cash App completes transactions at lightning speed. This makes it a convenient and easy way to send money between your friends. But things aren’t all sunshine and rainbows.

Getting a Cash App refund after making an unwanted payment can be very difficult and the company offers no guarantee on it.

If you’ve been wondering how to get your money back from Cash App, then stay tuned as we go through the ins and outs.

While on the topic of peer-to-peer transfer services, if you’ve been looking for a quick, low-fee way to send money internationally, then you may be interested in enrolling with Wise.

Learn about Wise in minutes 👨‍🎓

How to get a refund on Cash App

Perhaps you’re currently wondering:

How do I get my money back on Cash App if I get scammed?
How do I get my money back on Cash App if I sent it to the wrong person?

So you just want to know in general, how to get a refund on Cash App.

The good news is that requesting a Cash App refund is a simple process. But the not-so good news is that there’s no guarantee you’ll get your money back.

Request a refund from the recipient

If you don’t put the correct details of the recipient in, or send money to a person you don’t know and end up getting scammed, Cash App is not responsible for your losses.¹ So it’s essential that you know and trust who you’re sending money to, and that you double check you’ve inputted their details correctly.

If you want to request a Cash App refund on a payment you made, ask your recipient to:

Open Cash App
Select the activity tab on Cash App’s home screen
Find and select the payment they want to refund
Select the three dots in the top right hand corner
Select refund
Select “ok” to confirm refund²

You may also ask for a refund by tapping the 'Request' button on the home screen.

Easy, right? But now comes the hard part, which is actually getting your Cash App refund.

After you’ve made a refund request, you’ll have to wait for the recipient, or “merchant”, to accept it. Once they accept the request, the money will instantly appear in your Cash App account, if that’s where you sent it from.³

Cancel your payment and get a refund

Given the speed of Cash App transactions, you can’t usually cancel a payment once it's sent.

Legend has it that the only situation it’s possible in is if your payment is still in the pending phase. But because Cash App is so quick, it’s fairly unlikely that you’ll have the chance to cancel your transfer.

Best to check your activity feed to see if the payment has a 'Cancel' option.

When it comes to speedy transfers - Wise is a great option if you're planning to send money internationally. With the mid-market rate applied to your transfer you can make the most out of your money.

Wise: make the most out of your money

How long does a refund take?

If you’ve been waiting on a refund, you should know that it can take up to 10 business days to receive it.

When the recipient accepts your refund request, the money will appear instantly in your Cash App balance if that’s where you sent it from. If, on the other hand, you sent it from a card, then it can take up to 5 business days to show up.

If you have to wait longer than 10 business days to get your Cash App refund, then you should contact customer service.⁴ That being said, although they can try to help you get your money back, they’re not under any legal obligation to actually do so.¹

What to do if you were scammed

You getting your money back is entirely dependent on whether or not the recipient accepts your refund request. So if you get scammed, although Cash App customer service can help you with the dispute, there’s no guarantee of a successful outcome.

If your request refund didn’t work, then you can file a dispute. To do this, you’ll need to:

Open Cash App
Select the activity tab on Cash App’s home screen
Select the transaction you want to dispute
Select the three dots in the top right hand corner
Select Need Help & Cash App Support
Select Dispute this Transaction⁵

Clearly, Cash App is a great service if you're looking for a quick, convenient way to make peer-to-peer transactions. But just make sure you trust who you’re sending money to, and that you’ve entered their details correctly.

Remember - it doesn’t matter how quick the transaction is when you send money to the wrong person!

Sources:

Cash App - Additional cash terms of service
Cash App - Cancel a payment
Cash App - Refund ETA
Cash App - Merchant refunds
Cash App - Dispute a purchase

All sources checked 28 May 2021

This publication is provided for general information purposes only and is not intended to cover every aspect of the topics with which it deals. It is not intended to amount to advice on which you should rely. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content in this publication. The information in this publication does not constitute legal, tax or other professional advice from TransferWise Limited or its affiliates. Prior results do not guarantee a similar outcome. We make no representations, warranties or guarantees, whether express or implied, that the content in the publication is accurate, complete or up to date.

Can you get a refund on Cash App if scammed?

If a potentially fraudulent payment occurs, we cancel it to prevent you from being charged. When this happens, your funds will instantly be returned to your Cash App balance or linked bank account. If not, they should be available within 1–3 business days, depending on your bank.

How do I get a refund from Cash App?

Refund a Payment.

Tap the Activity tab on your Cash App home screen..

Select the payment..

Tap . . ..

Select Refund..

Press OK..

Can I dispute a Cash App transaction?

Tap the Activity tab on your Cash App home screen. Select the transaction in question and tap the … in the top right corner of the screen. Select Need Help & Cash App Support. Tap Dispute this Transaction.

What happens if I get scammed on Cash App?

If you've fallen victim to a scammer on Cash App, here are options you have for reporting the fraud and attempting to get a refund of the fraudulent charges: Cancel the payment. Request a refund. Dispute the transaction.