Cash App (cash.app) has a 1.7 out of 5 rating on OK.one, based on 207 user reviews collected here. It is listed under Money & Insurance and its reputation is poor. 76% of reviews are 1 star, a relatively high share; The business has replied to 96% of negative reviews. Last updated 2026-08-10.
They appear more interested in protecting identity thief than person whose identity was stolen
An identity thief recently stole my wife's identity online and opened a cashapp account under her name and email. We called cashapp immediately to see if the account could be frozen. The person we spoke to gave us a case number and said it would take up to 10 days to investigate, which is a long time if someone could be carrying out illegal or fraudulent transactions under your name. After receiving several more messages about activity on this account, I called them again and the person I spoke to said that their investigative team would contact us within 24 hours. Several days later, there was still no contact from the investigatve team. Today, more than one week after we first called, we got more messages about activity on the account, and we called again. The person we spoke to admitted that no action had been taken under the case number we received more than one week ago. The situation was so frustrating that I got into a shouting match with the person we were talking to. She also refused to give an email address or postal address for us to continue the exchange in writing. Also, they record the phone calls, but refuse to give permission for us to record the phone calls. They seem quite happy to allow the identity thief to control the account while stonewalling us. I would stay as far away from these people as possible.
After I wrote this review, Cashapp added a reply to my review, including a web address for me to contact them. Unfortunately, the address did not work, and I got a message saying I have been blocked. Unsurprising, considering CashApp's conduct so far. It would be nice if they could provide an email.
Reply from Cash App2026-05-04
Hi there, we know how worrying identity theft can be, and we understand the urgency of an update in this case. On the other hand, you may not have received the assistance you were expecting in the past, but we're happy to help how we can from here. Please ask your wife to contact us ASAP: https://help.cash.app/49aNCGO.
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william mcginnis · 5 reviews · Experienced 2026-05-01 ·
★★★★★
Would of rated higher but can not stand…
Would of rated higher but can not stand having no control of where I spend money....now customer service is a joke says their security is automatically they have no control over confirming the transaction if the computer thinks it is a bad web site. Nothing you can do. Even though been using that site for 5 years. But computer have to control everything in our lives. No need for customer service since everything is automated. Update after talking with customer support lady i got was very nice and polite. But hands were tied no way to above the transaction so it is all up to the algorithm if your purchase goes ahead goes through. All up to computer no oversight by human. Even when you call to apove transaction in person they can not help.
Reply from Cash App2026-05-03
We understand how important it's for you to have clarity about this situation with your transactions, William, and you may not have received the assistance you were expecting in the past, but we'll do everything we can to get this sorted out for you. Please reach us out, so we can have a second chance to provide support: https://help.cash.app/4w6zd8j.
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Billy Beckbenbeth · 1 review · Experienced 2026-05-02 ·
★★★★★
They have no problem with your ID…
They have no problem with your ID verification when it comes to accepting deposits and transfers from others but as soon as you need to withdraw or send to others they can put you in verification hell due to their own mistakes. I
Reply from Cash App2026-05-03
We know it’s never ideal to have a hard time with the verification process, Billy. We'd like to know more about what happened here. Mind sending our team a message, so we can make sure you are getting taken care of? https://help.cash.app/4w38nhD.
I canceled a subscription on Thursday morning April 30th and my cash app card was locked and they took the money on Friday night May 1st , I don't understand because my card was locked.
Reply from Cash App2026-05-02
We know how important it's for you to have clarity about your subscription, Angela, and we can certainly take a look here. We’d love to have someone on our team investigate and provide more details. Mind contacting us? Please feel free to reach out in-app or through any of our contact methods here: https://help.cash.app/48B99Z0.
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Jay Fowler · 4 reviews · Experienced 2026-05-02 ·
★★★★★
Venmo better
Closed my account no response why
Reply from Cash App2026-05-02
We know this situation with your closed account is less than ideal, Jay, and we'd like to do everything we can to help. If you'd like more information, please review our Terms of Service: https://squ.re/cashapptos. Also for further assistance, please reach out through the available options here: https://help.cash.app/4d31qo2.
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John Melleady · 1 review · Experienced 2026-04-27 ·
★★★★★
Closed my account with no warning
Cash App closed my account with no warning. I was told that I had to open a business account and pay 2-3/4 percent on any monies I received..
Reply from Cash App2026-05-01
We know this situation with your closed account is less than ideal, John, and we can take a closer look at this. If you'd like more information, please review our Terms of Service: https://squ.re/cashapptos. On the other hand, we'd like to know more about the Cash App for Business account you're referring to. Mind sending us a message, so we can make sure you are getting taken care of? Feel free to reach out to us here: https://help.cash.app/42GKRJA.
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Clara · 27 reviews · Experienced 2026-04-29 ·
★★★★★
Worst money app
Customer Support: The most significant complaint is the difficulty in reaching a human representative to resolve issues.
Scams and Fraud: Many reports mention losing money to scammers, with poor outcomes regarding refunds or dispute resolution.
Account Closures: Some users report having their accounts suddenly closed or locked without detailed explanations.
Instant Deposit Fees: While free options exist, the fees for instant transfers are sometimes viewed as high.
Reply from Cash App2026-04-30
Thanks for the feedback, Clara, ensuring our customers receive the support they need is a top priority for us. We generally recommend using the app with the same caution you would with physical cash - only sending payments to others you know and trust. When a payment is completed, the funds are in possession of the recipient, and we are not able to refund or reverse it. That being said, we'd like to better understand the issue you're experiencing with your account. Please reach us out, so we can have a second chance to provide support: https://help.cash.app/427ntos.
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Jerry · 6 reviews · Experienced 2026-04-03 ·
★★★★★
CashApp AI locked my account as fraud for attempting to load money
I've had my CashApp account for years. Never had a problem sending and receiving money... until now.
Their stupid AI flagged my account for fraud and locked it AS I WAS ADDING MONEY to my balance. Basically, my phone lost WiFi connection and fell back to 5G data and because my IP address changed, the AI hallucinated.
Yeah, I'm trying to put money INTO my Cash App and they flag me for fraudulent activity and lock my account. Makes no sense.
There's no way to fight it. You have to wait 48 hours for someone to review their AI's hallucinations before you're cleared of wrongdoing and can use your account again.
I didn't wait to find out and used a different service instead. I've since removed my bank account and debit card from this app as I don't trust their faulty AI systems overseeing my money. There are plenty of other services out there that do the same thing without these problems.
Reply from Cash App2026-04-30
We understand the importance of adding your funds, Jerry, and our team is here to offer all the support we can. We'd like to investigate further this issue you're referencing with your payment. Mind sending us a message, so we can make sure you are getting taken care of? Please feel free to reach out in-app or through any of our contact methods here: https://help.cash.app/4dl6KDx. Please keep in mind that all payments are subject to review purely as part of our commitment to keeping Cash App safe and secure. You can learn more here: http://help.cash.app/3054.
Block, Inc (formerly Square, Inc) is responsible for how smooth cashapp does or does not run. Please allow me to share my horrible experience. I've had cashapp for nearly 8 years now and have never had any issues until recently. I was sent an email and a cashapp alert telling me that I had violated the Terms of Service. Not understanding because I used my cashapp in November 2025, then most recently March 2026. I ask them to elaborate and tell me what specifically I violated. Cashapp refused and told me that they would escalate my complaint and for the past 7 days, everyday I have received the same email response, again them telling me that I violated terms of service and that my account was being disconnected immediately. Being that they refuse to tell me what violation was broken, I'm assuming that they just don't want me with them any longer and that they are weeding out people, because I've heard of them banning people from cashapp, but not for reasons they are refusing to explain. Today is day 11 and I'm still waiting on a reason why or any form of an explanation that is not vague like the one I've been given. Cashapp, you are trash, your customer service reps are rude and need training and if you don't want loyal customer to stay, have some balls and just say that.....DON'T BE COWARDS!!!!
Reply from Cash App2026-04-30
Hello there, thanks for the feedback around this. We understand you didn't have a good experience when you sought out support, and we’d like to turn this experience around. If you'd like more information, please review our Terms of Service: https://squ.re/cashapptos. If you have further concerns or need our help, reach out to us here: https://help.cash.app/4cIsdXJ.
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Taylor · 4 reviews · Experienced 2026-04-27 ·
★★★★★
Ive had cashapp since 2014 and have…
Ive had cashapp since 2014 and have NEVER had an issue with them like ever, so that should tell you something.
Reply from Cash App2026-04-28
We love hearing this, Taylor! Thank you for taking the time to share your experience with us. In case you ever need us, we’ll be here to assist: https://help.cash.app/3128. Have a wonderful day!
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Jeremy Belanger · 1 review · Experienced 2026-04-24 ·
★★★★★
I went to purchase some Bitcoin and did…
I went to purchase some Bitcoin and did it with a bank transfer. I found out after that it will be 7 business days before it is released. I could trade and sell, but not send or withdraw.
I sold it. After more than 7 business days, I asked why my money was still on hold. I was told it can sometimes take up to 60 days. I notified them it has already cleared the bank and nothing in the terms of service I could find stated it could take up to 60 days.
Worse yet, when I asked customer support, they could neither answer why it was on hold, when it would be released, where it states they could hold it for up to 60 days, and every time I responded to customer service, I was given a new person to talk to and to repeat myself.
I have been using cash app for for a number of years all of a sudden they decide that they're going to accuse me of violating their their laws of their agreements are there whatever and it falsely accused and what can I do to do
Reply from Cash App2026-04-29
Hey Bonita, we understand how inconvenient it can be to have your account closed. If you'd like more information, please review our Terms of Service: https://squ.re/cashapptos. Also for further assistance, please reach out through the available options here: https://help.cash.app/4t91hp0.
A refund from Verizon popped up on 4/16 from a cancelled purchase I made and here we are on 4/25 still pending. They said first that it must be the merchants bank taking this long and then thye said its the process of it moving through "the networks", which we all know is a lie. Then a CS agent came clean and said that it is in fact Cash App holding as a "risk review hold" and could take up to 10 biz days until released. When I asked them what the risk was for the hold and why the it was taking so long, they dodge the question by saying "we are not able to expedite the release of your funds", I then said, I didnt ask you to expedite them, I asked why theres a hold and why its taking so long and they said the same thing again, My thoughts are thaat theyre holding our refunds in their account to gain interest from it. I spoke to verizon and they said the refund was fully processed on 4/17. Cash App has trained their AI to lie to us about their rules and policies, because the excuses they gave me were total lies and one of their agents verified it. Dont purchase goods with the cash app card unless you want to wait two weeks for your refund to clear, if you end up needing one that is,
UPDATE: Cash App after making me wait the full 14 days for a refund because it was on “Risk review hold”, sent the refund back to Verizon and couldn’t tell me why and then told me to contact the merchant to get my refund. After waiting for two weeks for a refund that should have been processed within 24 hours, I have to go through the hassle of contacting Verizon and finding out how to get my refund back and when they ask why it got sent back, I don’t have a reason to give because Cash App doesn’t have a good reason for doing it so they just say “we aren’t allowed to tell you that”. There’s only one logical explanation and that’s Cash App makes money from the interest of all the refunds sitting in “risk review hold”. Verizon cancelled my order and sent me a refund, why would it get sent back? Better yet, what risk is there with a refund sent by the merchant? There wasn’t a risk review made when I made the purchase. I think I should get interest for all the time I’ve been waiting for the refund. I’m the customer, Are they always right?
PS.. I was talking to support within the app the entire time and your chat bot was actually lying about where my refund was. It was telling me it was “moving through the networks” and finally after 3-4 live agents, one finally told me the truth about the “risk review hold”
Reply from Cash App2026-04-25
We certainly understand that this is not the best situation to face, as we know how important it can be for you to receive the best support possible. For this reason, we kindly invite you to reach us here: https://help.cash.app/3128, that way we can take another look and take a deep care of any situation that you may be facing.
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Jack Harman · 1 review · Experienced 2026-04-23 ·
★★★★★
I wouldn't recommend cash app to anyone…
I wouldn't recommend cash app to anyone I've had an account twice now and both times I e had issues where someone took money out and did the whole dispute thing and nothing got resolved especially after waiting on hold for forever and then talked to 2 different people and could barely understand either one of them and they both told me my card wouldn't be deactivated and it was and then got another account and it got hit again from 4 states away somehow and they closed that account. I'm glad some people have good luck with it but I wouldn't recommend it to any of my family or friends never.
Reply from Cash App2026-04-24
This is not the experience we want you to have with the app and our support, Jack. We know how inconvenient it is to have a Cash App account closed unexpectedly and also have issues with a dispute. If that was your case, we'd like to have another opportunity to take a closer look at this situation to provide you with all the information available. You can contact us here: https://help.cash.app/3128.
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Katherine Moore · 64 reviews · Experienced 2026-04-01 ·
★★★★★
Cash app has just been ignoring the…
Cash app has just been ignoring the fact they ruin my financial empowerment.It's a damn shame to have to go back and forth with cashapp for damages the ones that cause the severe financial harm in the first place not having secruity measures in the first place allowing debit card not in the account holders name is promoting not preventing fraud. I supplied court paperwork on repo,eviction, foreclourse, receipts for hotel room,uhaul,and storage and job offer still refusing to pay damages is absolutely absurd as a single mother who might have to give up custody not having the means to care for them Im sure cashapp doesn't care since they didnt care when I lost everything when I provide proof that I couldnt have made the transcations and still denied it over and over I could save everything instead they waited 4 months to late to refund my dispute. This is very disheartening to think a company thinks this is ok when clearly it was their fault in the first place. I dont know how they look at themselves in the mirror or sleep at night knowingly you have cause someone to lose everything and now they may lose their child
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Q G · 1 review · Experienced 2026-04-24 ·
★★★★★
if i could select 0 stars i would
if i could select 0 stars i would. cash app cant block scammers hacks, what makes you think they can hold and protect your money. ive been scammed plenty times and cash app doesnt help what so ever. i would never recommend using cash app. cash should be banned world wide for privacy, unauthorized transactions reason plus more. i never once violated term of service now my accounts has been deactivated and closed. i havent did anything illegal since i created a account. violation of services wow i been violated by this company too many times without out any solutions. its a scam
Reply from Cash App2026-04-25
We always welcome customers to provide us with feedback. That way, we can gain a better understanding as to what we can do better and continue to improve. We'd love for an opportunity to resolve any issues you may have. Feel free to reach out to us here: https://help.cash.app/3128
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Johanna Gonalez · 3 reviews · Experienced 2026-04-24 ·
★★★★★
Zero stars I put my money inside this…
Zero stars I put my money inside this app mine that won’t let me borrow anything I’m talking about my own money to pay my rent when I try to take it out they put a limit on me my own money if you have an emergency, they don’t care once you take out $1000. You can take out no more your limit is like $900 from your own money. This is not reliable. I will never use this app again or recommend it to anybody. I understand if you are letting me borrow the money but that’s my own money. I should be able to use it. How many times as I want
Reply from Cash App2026-04-25
Hi Johanna, we’re always looking to improve our products based on our customers’ feedback, and appreciate your sharing. We'd like to take a closer look at what's going on with your account. You can get in touch with us here: https://help.cash.app/3128
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Zee Beauty · 3 reviews · Experienced 2025-04-23 ·
★★★★★
A while ago
A while ago, I accidentally sent $2000 to my cousins old cash app account. And ever since then me and my cousin both have emailed and chatted with them and even called but no one have been able to help me get my money back. $2000 is a lot of money for someone in my situation to just loose like that. I truly believe the money is not in anybody’s possession but cash apps.
Reply from Cash App2026-04-23
Hi Zee, we hear that you sent money to the wrong account and haven't been able to recover it despite reaching out multiple times. We understand how important that amount is to you. We'd like to take a closer look at what happened, so please reach out to our team here: https://help.cash.app/4eCttNk.
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Angel · 9 reviews · Experienced 2026-02-17 ·
★★★★★
Fdic yea right and they helped the hacker rob me and still won't reimburse
I would give negative as if possible! I was hacked and robbed and not only did they not reimburse me or supposedly FDIC insured they completely ignored my 50 pages of evidence and Claudia pill quickly before I could turn in anymore evidence Now they're saying I'm SOL that they didn't see what happened even though I told them and provided lots of even my other bank reimbursed what was stolen but cash app nope they sure didn't and they didn't want they're not going to and I've been with them for decades never complaints this how they do me when I actually needed them. They actually are partial to blame helped the hacker break into my cash app account when it clearly wasn't me talking to them. And they won't refund me what a joke they are so disappointed
Reply from Cash App2026-04-23
Hello Angel, we hear that you experienced unauthorized access and that the outcome of your claim wasn't what you expected. We understand how serious situations like this are. Your security is a priority top to us, and we'd like to know more about what happened here. Mind sending our team a message, so we can make sure you are getting taken care of? http://help.cash.app/3128.
Cash app has been good to me for several years I recently three years ago just start using them as a direct deposit I work two jobs I get paid bi-weekly on both jobs which means I get paid every week if you look at but after this year I noticed that cash app if you're eligible and if you were making and depositing with direct deposit more than $300 you're eligible for the benefits that they give you but I've noticed that they would take your benefits from you and cut them off until you pay it how is that possible when you can see I get direct deposits every week more than $800 per paycheck. To me they stealing overdraft is eligible with more than 300 deposit a month if I'm not mistaken and my limit is 200 well recently they cut that all back to 100 for no reasons I have documentation they can see that I get direct deposits every week more than $800
Reply from Cash App2026-04-23
Hi Marcel, we hear that your overdraft amount was reduced even though you continue to receive regular directs deposits. Eligibility can vary based on several factors and may change over time. If you're open to it, send our team a message, so we can review what happened and make sure you're being supported properly: https://help.cash.app/4e66ie9.
