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    Home»Make Money»Cash App»Cash App For Kids: How To Use It As A Minor Under 18?
    cash app for kids
    Cash App

    Cash App For Kids: How To Use It As A Minor Under 18?

    Siva MaheshBy Siva MaheshNo Comments
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    Cash App is now rapidly becoming popular in the United States and the United Kingdom, no doubt about it. And it has also recently opened its doors to teens between 13 and 17 years of age. But do you know how to use Cash App for kids?

    Cash App mainly took this step to attract more than 20 million financially dependent teens in the United States. And with this step, this company has already booked a massive $546 million in gross profit with a 94% year-over-year profit increase. Besides, it has also secured a 76 million user base through this unique move.

    However, there are certain restrictions on minor accounts on Cash App. Besides, you also need to approve your teen’s account before they can start using it. So, without any further ado, let’s understand the complete procedure.

     

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    Post Contents

    • Minimum Requirements To Open A Cash App Account For Kids
    • Features Of Minor Accounts In Cash App
    • How To Authorize A Minor Account On Cash App?
    • How To Accept Account Authorization Request On Cash App?
    • How To Get Authorized User Statements Of Minor Account On Cash App?
    • 5 Things To Do On Cash App For Kids
      • 1. Send And Receive Money
      • 2. ATM Withdrawals Through Cash Card
      • 3. Pick A Unique $Cashtag
      • 4. Design Your Custom Card
      • 5. Utilize Cash Boosts
    • 5 Tips To Safely Operate Cash App For Kids
      • Discuss The Risk With Your Kids
      • Implement Best Practices
      • Add 2-Factor Authentication
      • Safeguard Personal Information
      • Let Them Know About Cash App Scams
    • 6 Best Alternatives Of Cash App For Kids
      • 1. Bankaroo
      • 2. Copper Banking
      • 3. BusyKid
      • 4. GoHenry
      • 5. Greenlight
      • 6. FamZoo
    • Is It Worth To Open A Cash App Account For Kids?
    • Conclusion
    • FAQs
      • Can kids get a Cash App account?
      • Can I get a Cash App card for my minor child?
      • Which are the best money apps for kids?
      • Can you use Cash App without an ID?

    Minimum Requirements To Open A Cash App Account For Kids

    Many experts previously said that kids and Cash App wouldn’t go well together. However, this company proved it wrong by launching Cash App for kids.

    cash app for kids

    Teens now can not only just play Cash App games but can also manage their finances through this brilliant app. However, there are specific requirements that you need to abide by, which are as follows.

    • You need to be between 13 and 17 years old to open an account on Cash App for kids.
    • Only teenagers from the United States can open this account as of now.
    • You need to get approval from your parents or legal guardian to operate this account.
    • Your parent or legal guardian can check your monthly statement and can also close your Cash App account anytime.

    Note: Once a parent or legal guardian approves any minor account, they actually become the legal owner of the kid’s account. On the other hand, the kid will become the authorized user of that account. So, as a parent, you need to keep track of your kid’s account on Cash App.

     

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    Features Of Minor Accounts In Cash App

    cash app for kids

    It is now possible to open a minor account in Cash App, which is now widely considered one of the best and highest-paying apps in Tier-I countries.

    However, there are some distinct features on minor accounts on this app, which are as follows.

    • You can only send or receive money up to $1k in a 30-day cycle through your minor account.
    • It is not possible to cash out more than $25k in a 7-day cycle, even if you have more balance.
    • You can only add a cash balance of up to $7.5k in a 30-day cycle.
    • You can deposit paper money up to $250 in a week and up to $1k a month on your minor Cash App account.
    • It is not possible to invest in cryptocurrencies or execute cross-border payments through a minor account.
    • You cannot deposit checks or borrow money from your minor account.

    Note: As a minor, you can opt for ATM withdrawals through your Cash Card linked with your Cash App account. Besides, you can also avail yourself of the “Cash App Boost” feature to unlock instant rewards.

     
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    How To Authorize A Minor Account On Cash App?

    cash app for kids

    As you must have already understood, it is now very much possible to open a Cash App account for kids.

    However, the minor first needs to send an authorization request to the parent’s account to activate the minor account. And it can be done in a few simple steps.

    • Step 1: Install Cash App on your smartphone and launch it to open an account.
    • Step 2: Fill up the joining form with proper credentials, such as name, address, and age.
    • Step 3: Once the app detects your age below 18, it will automatically prompt you to share your parents’ details.
    • Step 4: Now, enter the name, address, and email ID of your parents or legal guardians in the designated field.
    • Step 5: Click on the submit button and wait till the app links your account to your parent’s account.
    • Step 6: Once done, tap on your profile icon located at the top-right corner of the Cash App.
    • Step 7: Tap on the “Family Accounts” option from the menu and further tap on the “I’m a teen” option.
    • Step 8: Once you get a new prompt, enter your name and your exact date of birth.
    • Step 9: Now, tap on the “Request Approval” button to proceed further.
    • Step 10: Search your already registered parents’ account through name, email ID, or $Cashtag.
    • Step 11: Once you find your parents’ account, tap on the “Send” button located at the top-right corner of the app.

    Note: It is not possible to activate a minor account on Cash App if there is no parent’s account linked with the account. So, ask your guardians to open a general account on Cash App first. And then, you can open a minor account and authorize it through your parents’ account.

     

    Recommended: 25 High Paying Cash App Surveys To Make Money in 2023.

     

    How To Accept Account Authorization Request On Cash App?

    money making ideas

    Once a minor sends an authorization request to the parents’ account or legal guardians’ account, they need to approve the request to activate the minor account. However, you can easily do it in a few simple steps.

    • Step 1: Log in to your (parents’) Cash App account with the right credentials.
    • Step 2: Tap on the “Activity” icon located at the bottom bar of the app.
    • Step 3: Once you get the full menu, tap on the “Request for Approval” button, and then click on the “View” button to expand the list.
    • Step 4: Tap on the request from your children’s account and review the terms and conditions.
    • Step 5: Finally, tap on the “Approve” button to authorize the minor account.

    You can only execute these steps if you have already received the authorization request from your kid’s account. If you haven’t received it yet, you can also invite your teen to join the app. And you can do it in a few simple steps.

    • Step 1: Log in to your account and tap on the profile icon located at the top-right corner of the Cash App.
    • Step 2: Once you get the full menu, tap on the “Family Accounts” option.
    • Step 3: Now, tap on the “Invite A Teen” option from the list.
    • Step 4: Once you get a new prompt, you can choose to share the invitation link through your email ID or phone number.

    Even if your minor is yet to open an account on Cash App, he/she can directly do it through your invitation link. Joining through an invitation link will also instantly activate the account.

     

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    How To Get Authorized User Statements Of Minor Account On Cash App?

    cash app

    Parents can easily monitor monthly statements from Cash App account for Kids from their accounts.

    And they don’t need to log into the minor account to get the statement. Besides, you can get the statement from both the app and the website, and the steps are as follows.

    Using Cash App (Android or iOS)

    • Step 1: Log in to your account with the proper credentials.
    • Step 2: Now, tap on the profile icon located at the top-right corner of the app.
    • Step 3: Tap on the “Family Accounts” option to expand the complete list.
    • Step 4: Navigate to your kid’s account from the list and tap to open it.
    • Step 5: Finally, tap on the “See All” button to fetch the complete transaction history from the minor account.

    Using Cash App Website

    • Step 1: Open any browser and open the Cash App website.
    • Step 2: Tap on the “Log In” button located at the top-right corner of the landing page.
    • Step 3: Now, log into your account using the proper credentials.
    • Step 4: Once your account is open, tap on the “Activity” button.
    • Step 5: Tap on the “Statements” button and choose the month from the list.
    • Step 6: Scroll down the newly opened page and tap on the “Authorized Accounts” section to get the monthly statements from the minor account.

    Note: As a parent, you can disable and deauthorize the minor account any time you want. Besides, you can also terminate the direct deposits and Cash Card linked to the minor account.

     

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    5 Things To Do On Cash App For Kids

    Although there are certain age restrictions in Cash App, especially if you opt for a minor account, there are many features that a minor can easily use.

    And we have figured out five such unique features on this app that a minor can use.

     

    1. Send And Receive Money

    money transfer

    As a teen, you can freely send and receive money on your Cash App account from your parents, family members, and friends.

    However, you can’t receive money for any work from any client or any cross-border payments on your account. You also can’t send or receive money of more than $1k in total in a 30-day cycle.

    These restrictions are mainly there to ensure that there is no overspending attempt from any minor account on Cash App. However, your parent or legal guardian can even drop down that limit to whatever amount they want.

     

    2. ATM Withdrawals Through Cash Card

    cash app atms near me

    All the Cash App accounts now come with prepaid VISA debit cards called Cash Cards, and so does for Cash App for kids.

    And as a minor, you are also eligible to get a debit card through which you can withdraw money from Cash App ATM in your locality.

    However, you need to pay a flat $2/transaction fee to withdraw money from your Cash App account through your Cash Card.

    But if you invest at least $300 each month through direct deposits on your Cash App account, you will be eligible for the transaction charge wave-off.

     

    Recommended: 33 Legit Game Apps That Pay Instantly To PayPal [2023].

     

    3. Pick A Unique $Cashtag

    cash app cash tag

    $Cashtag is a unique feature that is not just available in the general account but also for minor accounts. It is like the username you use on different forums.

    And you can choose any unique name to use as your $Cashtag. We have also published a list of unique Cash App names that you can also use.

    As a minor, it will be best if you use any quirky or funny word or word combination as your $Cashtag. And through it, you can easily transfer and receive money too.

     

    4. Design Your Custom Card

    card designs

    As we have said earlier, you can now get a free prepaid VISA card called Cash Card, which is now also available on Cash App for kids.

    But the best thing about this card is that it is completely customizable. From card material to font size, from the base design to text lines, you can customize almost anything on your Cash Card.

    We have also published a new list of cool Cash App card designs from where you can get inspiration from. As a minor, it will be better if you go for the glow-in-the-dark cards.

     

    5. Utilize Cash Boosts

    Cash Boosts is another unique feature that is now available on minor accounts, although it has been available on general accounts for a very long time. This feature lets you have direct cash-saving benefits through various local offers.

    And at any point, there are many boosts available on Cash App. You need to first open your Cash App account and select the offer from the list of available opportunities.

    And once you swipe your Cash Card on that store or restaurant, you’ll instantly get your savings benefit. However, you can now also make money fast and easily through this unique feature.

     

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    5 Tips To Safely Operate Cash App For Kids

    It is not recommended to use the Cash App for kids like the way you use your general Cash App account, as there will always be a chance of misspending and overspending.

    So, here are the five tips you need to follow to safeguard your teen’s account.

    Discuss The Risk With Your Kids

    You need to make sure that your teen must know that digital money is equal to actual paper money, as they often misunderstand digital balances.

    Besides, you need to ensure that your teen knows the drawbacks of losing money from their account.

     

    Implement Best Practices

    You must make a rulebook for your kids before he/she starts using the minor Cash App account.

    Besides, it is also better to install an antivirus on the device from where your teens access their accounts to safeguard them from hacking or phishing attempts.

     

    Add 2-Factor Authentication

    Cash App now gives you the freedom to lock and unlock the app through a PIN number, facial ID, or fingerprint ID.

    So, you must activate these features and layer up the app security to safeguard the account of your teen.

     

    Safeguard Personal Information

    Teach your teens not to share their names, contact number, mail ID, and address with anyone unknown.

    Besides, you also need to make sure that they are not sharing their $Cashtag or baking details with any unknown people.

     

    Let Them Know About Cash App Scams

    Yes, there are hundreds of different scams available on the internet that can be executed through a Cash App account. And you need to make sure that your teen knows how to safeguard his/her account from these scams.

    You can now also claim a signup bonus, even with a minor account, once you join the app for the first time.

    And there are many Cash App free money codes available through which you can also claim a $5 signup bonus.

     

    Recommended: 47 Ways To Get Free Money Right Now – [$2000 FREE Money]

     

    6 Best Alternatives Of Cash App For Kids

    You can now indeed use Cash App for kids, as it is one of the best platforms in the finance market right now.

    However, there are six alternatives that you can also try to make your teen financially independent, and those are as follows.

     

    1. Bankaroo

    bankroo

    One of the most effective finance apps, Bankaroo, was developed by an 11-year-old named Dani.

    It is actually a virtual bank for kids and teens where they can learn about saving money and attaining specific financial goals. They can also keep track of their spending through this app.

    You don’t need to link any real account with this virtual account, as this app will give you dummy cash to invest in various funds.

    And doing that, it creates a habit for your kids to save up money. You kids can also manage subscription payments through this unique app.

     

    2. Copper Banking

    copper banking

    Copper Banking has already established itself as one of the best investment apps that are now trusted by millions all over the globe. It is actually a digital bank that gives debit cards to teens.

    This company mainly launched this app while having the goal of making the next generation financially successful. Your kids can send or receive money through this app with just a click of a button.

    Besides, they can also track their monthly spending to make better financial decisions in the future. Moreover, this app will also help your kids to learn about a financially secure future and how to achieve it.

    Read: 27 Fun Ways To Get Paid To Watch TV & Videos [2023 Update]

     

    3. BusyKid

    cash app for kids

    BusyKid is truly among the best alternatives for Cash App for kids. Although it is not exactly a financial platform, this app lets parents set daily goals for their kids.

    And if they complete the goals, parents can give them a financial allowance. This app is effective in invoking financial responsibility among kids.

    You can also link your own account on this app to directly transfer the allowance to your kid’s account. Your kids can also invest in real stocks by using the allowances and watching the investment grow. And this thing also helps your kids to learn to save and invest together.

     

    4. GoHenry

    cash app for kids

    If you are looking for a legit alternative to Cash App for kids, you must check out this fantastic platform called GoHenry.

    You can create a free account for kids on this platform once he/she becomes at least six years old. Besides, you can also get a free MasterCard debit card with that account.

    However, you don’t need to worry about overspending attempts by your kids, as this app lets you have complete parental control. Besides, you can also keep track of the monthly spending of your kids. Your teen can also share unique gift links through this brilliant app.

    Recommended: I Need Money Now: 52 Legal Ways To Get FREE Money [2023]

     

    5. Greenlight

    cash app for kids

    Greenlight is a unique app that lets you monitor up to five accounts of your kids in real-time. And for each transaction from their side, you’ll get live notifications. Besides, this app also lets you have complete parental control over all these five minor accounts.

    As a parent, you can also preselect the shops in which your kids can use his/her debit card, while you can also restrict specific shops. Besides, it will also let your kids invest in various funds.

    However, you need to take a monthly membership to use this app, which will cost you between $4.99 and $9.98 per month.

     

    6. FamZoo

    famzoo
    Source: Famzoo

    FamZoo is a brilliant personal finance platform that can act as an alternative to Cash App for kids. It is a money-management app that lets your kids learn about the right way to invest.

    Besides, parents can also set specific chores for their kids through this app. And once they complete the chores, they get the financial remuneration directly into their accounts.

    famzoo features
    Source: FamZoo

    It will also let your kids invest in real funds by using their debit cards. And if you want your kids to make money from dividends, it is also among the best platforms to try. However, you need to buy a subscription plan that will cost you $5.99/month.

    Read: 35 Ways To Get Free Books For Kids By Mail In 2023 [All Genres]

     

    Is It Worth To Open A Cash App Account For Kids?

    If you restrict your kids or teens from having their own financial control, the highest chance is that they will make poor financial decisions in the future. So, it is better to make your teens financially independent and responsible. And it is also necessary to let them know about the actual value of money.

    And this is where Cash App for kids comes into action. By opening an account on this platform for your kids, you can let them make their own financial decisions. However, you can easily keep track of their spending and transactions to keep them financially safe.

    But yes, there are many Cash App flips available, which are basically scams. And these scammers mainly target teens and aged people as they are easy to exploit. So, if you can teach your kids how to use this app safely, Cash App is surely a worthwhile option to try.

     

    Conclusion

    Cash App is truly a great financial platform where your teen can learn about saving and investment skills.

    Besides, he/she can also get the payment for their work right on their Cash App account, as there are many jobs for 13 years old available nowadays.

    So, these are all the important things you need to know about Cash App for kids. But, if you think we have missed any point, or if you have any critical inputs to give about this app, don’t forget to drop your suggestions and feedback in the comment box below.

    Recommended: 41 Jobs That Hire at 15 [Jobs For Teenagers – 100% Legal]

     

    FAQs

    Can kids get a Cash App account?

    Yes, any teen between 13 and 17 years of age can now open a minor account on Cash App. However, this feature is currently exclusively available in the United States.

    Besides, a minor also needs to get authorization from the parents or legal guardians to activate this minor account.

     

    Can I get a Cash App card for my minor child?

    You can now surely get a prepaid VISA Cash App card for your teens. However, they need to be between 13 and 17 years of age. First, you need to open a minor account for your teen on Cash App.

    Secondly, you need to authorize the account from your account. And finally, you can submit a request to get a linked debit card from the minor account.

     

    Which are the best money apps for kids?

    Cash App is truly the best money app for kids and teens these days, although you need to be at least 13 years old to open an account on this platform.

    Besides, you can also try similar apps, such as Bankaroo, Greenlight, GoHenry, and FamZoo, which also lets you have the same usabilities.

     

    Can you use Cash App without an ID?

    You don’t need to verify your account through your own ID if you have opened a minor account on Cash App, as your parents will authorize it for you.

    However, if you want to open a general account, you need to verify your Cash App account through a valid ID before you can start investing in stocks, ETFs, and cryptocurrencies.

     

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    Siva Mahesh
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    Siva Mahesh is a full-time blogger and personal finance expert featured on US News, Entrepreneur, Business Insider MSN, Yahoo Finance, Legal Zoom, The Simple Dollar, Databox, Business.com, Business News Daily, and more. He is the owner/founder of Dreamshala, a go-to place for 100,000+ monthly readers to find legit work from home jobs and make money online ideas.

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