Is CashApp International? Can You Send Money Anywhere? (2024)

Last Updated on September, 2024

“Cash App. Wise. Revolut. PayPal. OFX. WorldRemit. Remitly.. Oh! The list goes on.”

“But, the only thing in my head now is ‘Does Cash App work internationally?”

Did I correctly figure out your point?

Well, the answer to your question is a big ‘NO.’

I’ll tell you why. Before that, I know you will have more questions about this.

If so, don’t worry! I’ve covered everything about Cash App and shared some great alternative options to Cash App, too.

Does Cash App Work Internationally?

Cash App account(s) are ONLY for US and UK use. It doesn’t work internationally worldwide.

When opening an account, have a local phone number in one of these countries. International transfers are limited to Cash App accounts in the US or the UK.

Being a Cash App user, you can use a Cash App to send money between the US and the UK. However, it doesn’t support other countries or currencies. To make cross-border payments, both the sender and the recipient should have a Cash App account(s).

Here’s how it works. If you want to send money from the US to your family in the UK, set up the transfer typically. The app will spontaneously convert the payment using the mid-market exchange rate at the transfer time.

So, your family in the UK will receive British pound funds in their Cash App account.

Can You Send Money Internationally With a Cash App?

Have you got it?

Can You Use a Cash App When You’re Overseas?

As I already discussed, Cash App only supports most payments between users in the US or UK. It doesn’t work for international transaction(s).

However, if you have an unrestricted bank account, you can get a Cash Card (debit card) for domestic use in the US. Once upgraded, you can order the card and use it wherever Visa is accepted.

It’s SIMPLE as that!

Cash App Charges

Cash App user(s) get several services with varying fees. Standard transactions are generally free, but there are fees for specific actions. (don’t forget that!)

For instance, if you urgently cash out your balance, there’s a 1.5% fee for a quick transfer to your bank account or connected debit card. Using the Cash App Card comes with fees, too, such as a $2 charge for ATM withdrawals.

Plus, Cash App offers standard and instant OPTIONS when it comes to deposits. Traditional deposits to your bank account are free and take 1 to 3 business days.

On the other hand, instant deposits to your linked debit card have a fee ranging from 0.5% to 1.75% with an average fee of $0.25, and they arrive instantly.

Checkout this guides if you want to learn what is the difference between CashApp for Business and Personal. Else you can learn all about Cash App in this review.

CashApp Alternatives on International Transfers: A Comparison

You can consider factors like speed, transparency, ease of use, and cost to decide which service suits your needs.

Cash App may only work for international transfers if both parties have accounts.

However, choosing the BEST alternative to Cash App for international transfers depends on where you send money and how you want it received.

Wise is great for direct bank transfers, offering the mid-market rate, and over 50% of payments are instant. If speed is crucial, especially for someone without a bank account, WorldRemit is a good choice.

Understood?

Alright, now read the following to know in detail.

Wise

Here is the first and best deal to save money with transparent fees.

Wise could be the perfect alternative to Cash App if you’re looking for a speedy and cheapest way to send money overseas.

Wise uses the mid-market exchange rate, ensuring transparent and low fees you can quickly check before confirming your transfer. Opening an account online through the Wise app is convenient; bank transfers go directly to accounts.

You can learn more about Wise in our honest review.

OFX

Next, OFX provides a convenient way to send larger payments in over 50 currencies. You can try this online, through the app, or over the phone.

While there’s usually no transfer fee, a small exchange rate markup applies. This can often be more favorable than banks.

You can learnmore about OFX in our honest review.

World Remit

WorldRemit is another alternative that is a widely used payment service that allows money transfers online or through their app.

You can receive money from a bank or mobile money account for cash collection in the recipient’s country or as an airtime top-up.

However, remember that WorldRemit fees are relatively low, and there are often promotional offers for new customers.

Here’s our full review of WorldRemit platform.

PayPal

PayPal is also one of my favorite OPTIONS and a superb alternative to you. You can use PayPal to send and receive money globally to other PayPal users in various currencies.The recipient can keep the money in PayPal accounts to spend later or withdraw it to their bank.

PayPal is widely used worldwide, so your recipient likely already has an account or can easily create one.You ONLY need their email when sending money, and setting up a PayPal account is free!

PayPal works in most countries, and you can make instant transfers by using a card or your PayPal balance for quicker delivery. It supports payments in different currencies.

Remitly

Finally, you can send payments ONLINE through Remitly and choose how the recipient receives them – in cash, home delivery, or a mobile money account.

There are different delivery speeds with varied fees to match your preferences. Fees depend on the destination country and payout method. You can pay EXTRA for faster service or a lower fee with standard delivery.

Remitly provides various payout OPTIONS, including cash, home delivery, or mobile money, giving you flexibility based on your needs and budget.

Wise’s Benefits Over CashApp

Wise, formerly known as ‘TransferWise,’ presents several advantages over Cash App.

Firstly, Wise offers transparent and lower currency conversion fees, making international transaction(s) more cost-effective than Cash App.

Secondly, Wise provides users with a real exchange rate(s), ensuring they receive the actual market value for their currency conversions without hidden markups.

Lastly, Wise’s commitment to transparency and clear free structures contrasts with Cash App’s sometimes complex fee system, offering users a clearer understanding of their financial transactions.

These factors collectively position Wise as a more efficient and cost-conscious option than Cash App for individuals engaged in international money transfers.

Conclusion

Now did you understand why I said ‘No’ to your question, “Does Cash App work internationally?”

Great! So, You can use a Cash App to transfer money from the US to the UK or vice versa.

However, if you prefer alternatives to transfer money internationally, I have covered the BEST alternatives as I promised you. Or you can see all the best alternatives of CashApp here.

So now, it’s your turn to analyze and pick the most suitable OPTION for you!

BEST FOR INTERNATIONAL MONEY TRANSFER

WISE

GO TO WISE

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