Yes, the most concise answer to this question is– yes, you can. However, if you use Cash App without an SSN, you will appear as an unverified Cash App user.
Many people are asking if you need your Social Security number to use Cash App.
Well, the answer to that question is a little complicated. It depends on which country you’re from and how you’re using Cash App.
We’ve put together this comprehensive guide on how to use Cash App without your SSN so that you can get started with this popular money transfer app as quickly and efficiently as possible.
Read on to learn how to do Cash App verification without SSN.
What is SSN (Social Security Number)?
Social Security Number (SSN) is a unique nine-digit number assigned to U.S. citizens, permanent residents, and temporary workers for taxation and social security benefits. The number is also used to identify individuals for other government programs. It is issued by the Social Security Administration (SSA).
The SSN was created in 1936 as part of the Social Security Act. The original purpose of the SSN was to track the earnings of workers so that they could be taxed appropriately and receive benefits later in life.
The SSN is now used for various purposes, such as opening bank accounts, obtaining driver’s licenses, and applying for federal benefits.
What is the Purpose of SSN?
The main purpose of the Social Security number (SSN) is to track individuals for taxation and social security purposes. The SSN links an individual’s earnings record with their name, making it easy for the government to determine how much tax each person has paid over a lifetime.
The SSN also serves as a unique identifier for individuals, making it easier for agencies such as the Department of Motor Vehicles, hospitals, and banks to confirm their identity. Most institutions will not do business with you without verifying your SSN.
Does Cash App Ask for an SSN?
Yes, Cash App asks for your Social Security Number (SSN) to verify your identity and protect you and your money. Providing your SSN is voluntary, but it’s the best way to ensure that your account is fully protected.
Cash App also offers two-factor authentication, which adds an extra layer of security to your account by requiring a unique code before you can log in.
Why Does Cash App Need My SSN?
Cash App is a certified payment app, which means it meets the highest industry standards for security. Cash App needs your social security number to identify you and prevent Cash App scams. They also need the IRS to report any earnings you may have made through the app.
Your social security number is essential for two reasons. First, it’s how Cash App identifies you as the account holder. This is especially important for payments, as we want to make sure that the right person gets paid!
Second, the IRS asks us to report any income earned through Cash App on your annual tax return. We take our reporting obligations very seriously and want to make sure that you’re aware of any potential earnings to file your taxes correctly.
Can you use Cash App without a Social Security Number?
Yes, the most concise answer to this question is– yes, you can. However, if you use Square Cash App without an SSN, you will appear as an unverified Cash App user. Furthermore, as an unverified Cash App user, you are preventing yourself from reaping the full benefits of the Square Cash App. Let me explain in a nutshell.
As an unverified user on Cash App, you have a limited number of options. Of course, you can open an account and link it to a bank account (debit or credit card). You can also send, receive stores, and request money from other Cash App users. However, all of these features will be limited.
For example, an unverified user who has not verified their identity on Cash App can only send $250 per week and receive $1000 per month. In addition to the limitation, you will be unable to obtain and activate a Cash App card, enable direct deposit, and receive instant tax refunds and stimulus checks from the IRS unless you complete the verification process.
The above benefits are only available to Cash App users who have completed the verification process by sharing their SSN and a few other numbers.
How to Use Cash App Without SSN?
Cash App is a great way to pay your friends (and get paid in return!), but it can be frustrating for those who do not have a Social Security number. Don’t be concerned! Here are some pointers on using Cash App without a Social Security Number.
When creating your Cash App account, follow these steps:
- Download the app and sign up with your email address.
- Connect your debit card information (*more on that below for those who can’t open a bank account with their SSN)
- Navigate to the Send Money tab and select “I don’t have a Social Security Number.”
- Enter the phone number of the person who will be receiving the funds.
- Choose “Pay” or “Request.”
- Allow time for the verification code to be sent to the recipient.
- Instruct the recipient to enter this code into the verification box.
- When they do, the transaction is finished!
If you cannot complete the transaction, make sure you haven’t reached the seven-day sending or receiving limit. This appears to be the case in most cases for those with unverified accounts.
Now, let’s return to the * point from earlier. You must already have a bank account set up to use Cash App. That’s a problem for most people who don’t have a Social Security number!
Most major US banks require you to provide a social security number or, at the very least, an ITIN to obtain a debit card.
How to Get a Cash App Card Without an SSN?
There are a few ways to get a Cash App card without an SSN.
One way is to provide your driver’s license number or state ID number in lieu of your SSN.
Another way is to open a Cash App account with a friend or family member who already has a Cash App card, and then have them send you money.
Finally, you can also create a Cash App account by using your employer’s EIN instead of your SSN.
How do I send money on Cash App without being verified?
Yes, users who are not verified on Cash App can send and receive money confidently. The following are the steps to sending money on Cash App without an SSN:
- Open the Cash App on your smartphone.
- Tap the “$” symbol on your phone.
- Then press the “Send” button.
- Enter the amount you want to transfer now.
- Ensure you enter an amount less than $250 because you can’t send more than that as a non-verified user.
- Select the individual from your contact list.
- Finally, tap the send button to send money without providing your SSN.
What Cash App Features Can I Use Without an SSN?
The user can use some Cash App features without disclosing their SSN. These are discussed further below.
- On Cash App, the user can create an account.
- An unverified user can send and receive up to $250 per week and $1000 per month.
- Users can add or link a Debit/Credit Card to make transactions.
- Users of the Cash App can benefit from the virtual Debit card feature, which they can use to make payments at online stores.
- Only the above features are available to Cash App users who do not have an SSN.
However, to fully utilize the Cash App’s features, we recommend verifying their identity using their SSN.
Cash App is a wonderful way to send and receive money when you need it most. Whether you have an SSN or not, you can still use Cash App securely to transfer funds in a matter of minutes!
You may not use some of the Cash App services without an SSN. Cash App has a limited 7-day sending and receiving limit on a non-verified account. Make sure you verify your account with a social security number so you can enjoy all the features of this app without any problem.
If you have any other questions, you can contact Cash App support. They will answer your questions as soon as possible.
We hope this article was helpful to you. Thank you for reading!