Send money for free, invest in stocks or bitcoin, faster direct deposits, debit card with discounts!


How you make money

There are ample ways to make money through Cash App. The first use of Cash App is to easily send and receive money. This use of the app is not a way to gain a return but could save you fees and convenience by getting paid easily. You are also able to earn a return by purchasing stocks, including fractional purchasing. You can also purchase and earn through bitcoin as well. Another great function of the Cash App is the free debit card that immediately allows you to save on select purchases. Cash App has a ton of functions to earn or save money, but they also allow you to receive your money faster when you direct deposit through Cash App.

How Cash App makes money

Cash App has many different revenue streams, but their most profitable stream is the bitcoin exchange. They have a bitcoin transaction fee of up to 1.76% as well as a 1%-4% difference in the bid-ask spread between users. Another revenue source is charging business that accept Cash App or the Cash Card 2.75% on all transactions. For peer to peer sending, there is a 1.5% fee for using a credit card as well as a 1.5% fee for bank account instant deposits. They also receive money by investing the float, which is the money sitting in your account as cash.


Since 2009, Square(owner of Cash App) has provided payments for millions of businesses and people all across the world. Each year, tens of billions of dollars are processed with rigorous safety practices in mind. Cash App has gained a massive user base since its inception in 2013 with approximately 30 million monthly active users and revenue of 2.07 billion dollars in the third quarter of 2020 alone. Brokerage services are provided by Cash App Investing LLC, member FINRA/SIPC and a subsidiary of Square, Inc. Cash App is not a member of FINRA or SIPC so there is no insurance. The backing of its parent company, Square, and the massive user base should allow you to use the app confidently. For Bitcoin, Cash App utilizes a variety of safety features to process millions of payments a year and ensure the protection of customers. Your account will be safe with features such as security locks, encryption, fraud protection, account notifications, and coin storage. Cash App's biggest stream of revenue is bitcoin purchases which shows the reliability of the service.

Things to know

  • You make money onValue + Dividends
  • Payout frequencyQuarterly
  • LiquidityEasy
  • Fees0%
  • Term of investmentZero
  • Open toAll Investors


  • Country availabilityUS only
  • Established2013
  • Assets under managementUnknown
  • Mobile ApplicationIOS, Android

Investment Return Calculator

Calculate your estimated return to reach your investment goals.




Amount invested


Total fees


Value after fees


Any references to past performance, regarding financial markets or otherwise, do not indicate or guarantee future results.

Forward-looking statements, including without limitations investment outcomes and projections, are hypothetical and educational in nature. The results of any hypothetical projections can and may differ from actual investment results had the strategies been deployed in actual securities accounts.

Is it Safe?

Medium risk

Minimum Investment


Target Return




Why Invest

  • Send money for free
  • Invest in stocks or bitcoin with as little as $1
  • Free debit card with instant discounts

Similar investment platforms


Invest in your choice of thousands of stocks and funds. Invest in fractional shares of companies you know with as little as 1c. Investing simplified.


Investing for Everyone. Make unlimited commission-free trades in stocks, funds, options, and cryptocurrencies with Robinhood.