Cash App users can make easy local payments - but your Cash App account may not be the best choice if you need to send money internationally.
That’s because Cash App can only support international payments between the United States and the UK¹ ². If you want to send a payment anywhere else, you’ll need an alternative.
No matter where your payment is headed, if you need to send and receive money internationally, this guide is for you.
We’ll look at how the Cash App works internationally, and some alternative ways to transfer money from your bank account or debit card when Cash App isn't an option - including low-cost payments all around the world with Wise. More on that later.
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Does Cash App work internationally?
You can use your Cash App account to send money from the US to the UK or vice versa. Other destination countries and currencies are not supported by Cash App.
To make cross border payments with Cash App, both the sender and the recipient need their own Cash App accounts.
Here’s how it works. Let’s say you want to send a payment from the US to a Cash App user in the UK. You set up the transfer as normal, and the app will automatically convert the payment based on the mid-market exchange rate at the time the transfer is initiated. Your friend in the UK will then receive the funds into their Cash App account in British pounds.
| 💡 If you want to know more about the full range of things you can do with Cash App, you can also read this full Cash App user guide. |
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Can you use Cash App when you’re overseas?
Cash App doesn’t work internationally, aside from the option to send payments to other users in the US or UK.
Cash App can’t help for international transactions, but you might also be interested to know that you can get a Cash App debit card, called a Cash Card for domestic payments and withdrawals in the US. You’ll need an unrestricted account for this, but once you’ve upgraded to unrestricted, you can order your card and spend wherever you see the Visa logo.
| 💡 Learn more about the Cash App card here. |
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Cash App fees
Many standard transactions with Cash App are free. However, there are some fees you’ll want to know about if you sign up for an account. For example, if you need to cash out your balance in a hurry, you’ll have to pay a 1.5% fee for an instant transfer to your bank account or linked debit card³. There are also fees to pay when you use the Cash Appcard, including a 2 USD charge per ATM withdrawal⁴.
| 💡 You can also learn more about other Cash App fees here. |
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Cash App international alternatives
Cash App is not likely to be your best option if you want to send a payment internationally. Not only is Cash App limited to payments in the US and UK, you’ll need the recipient to open a Cash App account to get their money, too. Here are a few more flexible options to consider.
N26
What’s on offer:
- N26 bank accounts offer online and mobile banking, a linked card and ways to save and earn rewards on spending
- Send international transfers, and spend with your liked N26 card when you travel with no foreign transaction fees
Fees to know about:
- N26 has no monthly fees and no minimum balance
- No overdraft fees
- No foreign transaction fee
Who’s it best for?
N26 is a good option if you’re looking for a bank account which can offer international digital account services, with low fees and some handy perks. However, at the moment there’s a waitlist to join from the US, so you’ll need to sign up when spaces become available.
| 💡 There’s a full guide to account options, availability and costs in this N26 review. |
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Wise
What’s on offer:
- Wise offers the world’s most international account, including instant, low-cost money transfers to 80 countries, using the mid-market exchange rate
- Hold over 40 currencies, get a card to spend in any currency, and bank details to get paid in 9 currencies
- You can also make international payments with Wise – you may save money compared to banks.
Fees to know about:
- Wise accounts come with no monthly fees and no minimum balance
- No foreign transaction fee - your Wise card will convert your balance to the currency you need in the cheapest way possible when you spend internationally
- No hidden fees or markups, you only pay a small, transparent fee
- 2 free ATM withdrawals a month, to a value of 100 USD - there’s a 2% fee after that. (Wise will not charge you for these withdrawals, but some additional charges may occur from independent ATM networks)
Who’s it best for?
Wise accounts are designed for people who like sending money with low and transparent fees. Hold 40+ currencies and manage them online and in the Wise app. Get a linked debit card to spend in 150+ countries, and make ATM withdrawals whenever you need to. You can even set up multi-currency direct debits to cover one off or recurring bills overseas.
Save with Wise
Please see Terms of Use for your region or visit for the most up to date pricing and fee information.
OFX
What’s on offer:
- Send payments in 50+ currencies to 190+ countries
- Arrange payments online for convenience - pay using a bank transfer or ACH direct deposit. Credit cards, checks and cash are not accepted⁶.
Fees to know about:
- OFX makes a difference between the real mid-market rate or and their ‘retail’ or ‘customer’ rate. This ‘customer rate’ is the markup on the exchange.⁵
Who’s it best for?
When you open an OFX account, you’ll be able to access foreign exchange experts who can help you with more sophisticated transfer types - as well as regular international payments. Good option for businesses, online sellers and individuals who need to fix advance exchange rates and manage currency transactions.
| 💡 Read this OFX review for more information about the services available and the fees you’ll pay. |
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Remitly
What’s on offer:
- Send payments online and have recipients collect in cash, get paid by home delivery or to a mobile money account, or use a regular bank transfer
- Different delivery speeds, which come with varied fees to suit different customer needs
Fees to know about:
- Fees can vary based on destination country and payout method
- You can often choose to pay extra for a faster service, or choose a lower fee for the standard delivery time⁸
Who’s it best for?
People who need a range of payout options, including getting money to a recipient in cash, for home delivery, or deposit to a mobile money account. Remitly has different customer choices including payout methods and speed of payment, which can mean you’ll find a combination to suit your needs and budget.
| 💡 Check out a full review of Remitly here. |
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Bottom line
Cash App is great for sending local payments in the US or UK. You can also send a payment internationally to a Cash App user in the UK from the US - or vice versa. However, beyond this, Cash App doesn’t support international use.
If you need to get a payment to a friend or family member overseas, check out some alternative options like Wise, to find a simple, low-cost solution.
Learn more about Wise
Frequently asked questions
Does Cash App work in Mexico?
Cash App doesn’t work in Mexico. It is only available in the US and UK, and payments can only be made domestically or between these 2 countries.
Does Cash App work in Europe?
Cash App is available in the UK but not in other European countries at the time of writing.
1]Cash App US - international
2]Cash App UK - international
3]Cash App US - cash out options
4]Cash App US - ATM fees
5] N26 US - bank account
6] OFX - US
7] OFX - what is the customer rate?
8] Remitly - US
All sources checked on 26 October 2021
*Please see terms of use and product availability for your region or visit Wise fees and pricing for the most up to date pricing and fee information. This publication is provided for general information purposes and does not constitute legal, tax or other professional advice from Wise Payments Limited or its subsidiaries and its affiliates, and it is not intended as a substitute for obtaining advice from a financial advisor or any other professional. We make no representations, warranties or guarantees, whether expressed or implied, that the content in the publication is accurate, complete or up to date.
