Why Is My Cash App Declined By Bank? (2023)

Whether cashing out, making an instant deposit, or simply sending and receiving money, there are instances where a user’s Cash App or Cash App transaction can be declined by a bank. 

Square Inc.’s Cash App has grown tremendously over the years. In fact, in the US alone Cash App has more than tripled its users in a very short period of time. In terms of active users, there are currently 26 million-plus active Cash App users. One of the many reasons why Cash App has managed to grow so fast is its features. One such feature is the ability to link a bank account or use debit cards.


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Despite being a plus in so many ways, there are instances where this Cash App feature is a con or simply put a huge inconvenience to Cash App users. There are instances where a Cash App can be declined by a bank. Cash App users looking for solutions to this particular problem will find this post very useful as it details why this problem happens in the first place and how to solve it.

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Cash App Declined By Bank Problem

In most cases, issues that touch on Cash App being declined by a bank are normally as a result of the bank associated with a Cash App account blocking the transaction(s). There are some reasons why Banks do this especially when it comes to peer-to-peer online platforms like Cash App.

Many banks in the US don’t support Sutton Banks that are the likes of Cash App, American Express, Green Dot, and Bancorp Bank just to mention but a few. This is why most of them are likely going to block any transaction that’s linked to or with such accounts.

In addition to banks, the other reason why Cash App users might receive a Cash App declined by Bank message is the card they use, in particular, MasterCard. What MasterCard doesn’t tell its users is that it hates third-party apps.


Simply put, if you try using a MasterCard with a third-party app then chances are the transaction will be declined. Given that banks are normally the ones that issue MasterCard, it’s easy to assume that they are the problem.

What You Can Do In This Situation

Knowing why Cash App or a Cash App transaction (for instance trying to put money in your Cash App account through your bank) might be declined by a bank is just one of the reasons why a Cash App user having such a problem decided to click on this particular link. Being able to solve this particular problem is another reason why Cash App users with this problem opted to clink on this particular post.

The process of solving a Cash App declined by bank problem is very simple. If the Cash App issue or problem is a result of a bank blocking transactions with Cash App, Cash App users are advised to get in touch with their bank and ask them to authorize transactions with Cash App. This is a very simple solution and shouldn’t even take more than 5 minutes.

If the problem (Cash App denied by the bank) is caused by a MasterCard, Cash App users should look at changing their card to let’s say Visa cards as they are known to be much friendlier to third-party apps. The process of changing cards as many would expect is very simple, just walk into a bank and inform them of the change request. They’ll be able to produce a working Visa Card that’s more friendly with Cash App.

Contrary to what many believe, there are only two reasons why users receive the Cash App declined by bank message. It is mainly as a result of banks blocking Cash App transactions or MasterCard blocking Cash App transactions. Regardless, Cash App users should easily fix this problem by following the solutions shared.

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