Use Cash App Free Money Code JSMTBXW for up to $15 (Full Review)

Use the legit Cash App free money code JSMTBXW to get a cash bonus of $5, $10, or $15 (assigned randomly) in your account!

Click on the button to copy the code then paste it into Cash App to get free money!

I’ve been hearing about Cash App for a while now, but I wasn’t sure if it was legit or safe. The app seems to have a bad rap since scammers like to use the app to target unsuspecting users.

But the truth is, there are scammers using every money app you can think of, so it’s not fair to associate Cash App with these scams (I’ll show you how to avoid those later).

So I decided to download the app to get the full experience and let my readers know if there are legitimate ways to get free money on Cash App instantly.

So far I am pleasantly surprised with the app and excited to share the details with you below.

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Cash App - Get free Bitcoin and cash back, invest in Bitcoin and stocks, and send and request money for free. Use my referral code for a cash bonus:

What is Cash App: Is It Legit and Safe?

Woman viewing Cash App on smartphone

Cash App is a free money management app that allows you to send and receive money virtually, accept direct deposits, transfer money to and from your bank accounts, and invest money in the stock market and Bitcoin. There are different ways to get free money on Cash App as long as you protect it as you would your wallet.

In this Cash App review I’ll answer questions like:

Is Cash App legitimate? Absolutely. If you use Cash App for the purposes it was intended for (to buy/sell, manage deposits, invest, etc), you will have no trouble with it. It’s a legit virtual wallet for your money.

Is Cash App safe? Absolutely. As long as you avoid sending money to strangers who are trying to scam you (if it sounds too good to be true, it probably is), then Cash App is safe to use. Be sure to always know who is on the receiving end of your cash before hitting “send.”

Cash App Pros

  • Generous sign-up bonus and referral bonus opportunity (use Cash App referral code JSMTBXW)
  • Easy person-to-person transactions
  • User-friendly, simple interface
  • Simple investment tool for beginners
  • Optional prepaid debit card to limit personal spending

Cash App Cons

  • Only available in US and UK (see Cash App alternatives)
  • Scammers target Cash App users
  • It’s nearly impossible to get money back after sending a payment
  • Transfers from the app to a bank account take 2 business days unless you’re willing to pay the Cash App instant transfer fee of 1.5 percent.

Related: Easy Summer Jobs that Offer a Fun Way to Make Some Money

September 2021 Cash App Free Money Code: JSMTBXW

Before I get into the details of the app, I wanted to share about the Cash App free money code: JSMTBXW

Click on the button to copy the code then paste it into Cash App to get free money!

The free money code is legit and safe to use! When you open Cash App settings, you’ll see a link to “Enter Referral Code” when you scroll to the bottom.

Cash App enter referral code

Click that link and then enter the Referral Code JSMTBXW. Click Next to confirm.

Enter referral code

You’ll see an immediate pending Cash App sign up bonus of $5, $10, or $15. I received a $10 Invitation Bonus. I’ll show you how to activate that bonus below!

Cash App pending bonus

If you need more details, check out my tutorial on how to enter a referral code on Cash App!

10 Ways to Get Free Money on Cash App by Square, Inc.

There are only a few legit ways to make money with Cash App. It’s easy to get free money now using the app, but you will want to avoid the common scams that people use to swindle users (I’ll go over those below).

1. Sign Up and Get Up to $15 When You Send $5

When you first download the app, you’ll be allowed to enter a Cash App referral code for a bonus. Use free money code JSMTBXW to receive a pending bonus of $5 to $15 (Cash App assigns the bonus amount at random).

Click on the button to copy the code then paste it into Cash App to get free money!

To activate the bonus, you will need to grab your debit card and put the card number into the app (just one time). Then send at least $5 to another Cash App user.

Link debit card Cash App

I sent five bucks to my husband’s Cash App and he sent five bucks back. This simple cash swap didn’t cost us a cent, and we both activated our bonuses!

We received $30 in bonuses between the two of us (out of a possible $45):

  • I received a $10 Invitation Bonus for using a Cash App free money code (use JSMTBXW).
  • I received a $15 Invitation Bonus for inviting my husband to Cash App and sending him five bucks.
  • My husband received a $5 Invitation Bonus for sending me five bucks back.

Cash App activity

Make sure to use my Cash App free money code to get your $5 to $15 bonus: JSMTBXW

Related: Sign Up and Get Money Instantly

2. Complete Offers and Surveys

Taking those $750 surveys that send money to Cash App is a legit way to get free money.

To start earning immediately, join InboxDollars, which is one of my favorite paid task websites. InboxDollars is similar to those $750 Cash App offers you’ll often see ads for (which require you to complete 10 offers). The difference is that InboxDollars pays you to complete one offer at a time, and you can skip the ones you don’t like.

As a member of InboxDollars, if you only want to complete one offer, you can get paid for it without losing out on the entire opportunity. While with RewardZone, if you complete nine out of 10 offers, you earn nothing.

3. Refer Friends for $15 Each

Cash App invitation bonus received

Once you’ve joined the app, you’ll need to send at least $5 to activate your own Cash App sign up bonus. The easiest way to do this is to invite a friend or family member to download the app, send them five bucks, and have them send you $5 back (an even exchange).

You can potentially get more than $2,000 free money on Cash App by referring people to join. It’s one of the best ways to get free money on Cash App instantly. Some people refer to this as the “Cash App referral code hack.” With this free money hack, you’ll earn an easy $15 per referral, and each friend gets $5 to $15, too.

Make sure to explain the importance of adding the Cash App free money code to their app and then using the app to send at least $5 to a friend. You can even have them send the $5 to you so that you can send it right back–that way it doesn’t cost them anything to activate the bonus. This is how Cash App rewards referral bonuses. Plus, doing so will give your friend that sweet bonus, too! It’s a win-win.

Sign up and use Cash App free money code JSMTBXW for free bonus cash.

Click on the button to copy the code then paste it into Cash App to get free money!

4. Get $100 When You Set Up Direct Deposit

Get $100 on Cash App

Get $100 free Cash App money when you set up a direct deposit to the app. In order to qualify for the instant cash discount of $100 on any purchase using your Cash Card, you’ll need to have deposits totaling $300 within a 30-day period.

It’s easy to set up a direct deposit of your paychecks using your unique routing and account number in Cash App or by completing a deposit form with your employer.

5. Invest in Stocks With Cash App

Even if you’ve never invested money in the stock market before, Cash App makes it so easy to get started.* The app has a free book that teaches beginners about investing. You can find it at the bottom of the stocks investing screen.

My First Stock Book

You can invest and make money daily with individual company stocks (risky) or Exchange Traded Funds (ETFs). ETFs are still risky but your money is diversified instead of sunk into a single company’s stock. I invest money in the S&P 500 ETF which is an index of the 500 largest U.S. publicly traded companies. Even if a handful of companies dip, the other strong companies typically continue to pull through.

According to Cash App, the SPDR S&P 500 ETF has increased in value by over 44% in the last year alone.

SPDR S&P 500 on Cash App

You can visit a company’s stock or an ETF listed on the app, select Buy, and invest with as little as $1. To invest using Cash App, you must be at least 18 years old and live in the US. Investing always requires a brokerage account which is regulated by the US government and all earnings are tracked with an individual’s social security number.

Robinhood is an alternative investment app that allows you to buy and sell shares of stock from the palm of your hand. New members can sign up for a free account and get a bonus stock valued between $3 and $220.

*Note: I am not a financial advisor. Please make sure to do your research before choosing to invest.

6. Invest in Bitcoin with Cash App

Bitcoin (BTC) is all the rage among cryptocurrency investors.* Since a single Bitcoin can cost upward of $50,000, Cash App makes it easy to invest in a fraction of BTC.

According to Cash App, the BTC has increased in value by over 496% in the last year. It is an extremely risky investment and should be approached with extreme caution.

Bitcoin on Cash App

Each Bitcoin purchase is charged a fee, and varies based on the purchase price. When you sell your Bitcoin, there are fees involved there too which can fluctuate based on market changes.

Bitcoin purchase confirmation on Cash App

*Note: I am not a financial advisor. Please make sure to do your research before choosing to invest.

Related: Jobs that Pay in Cash Only

7. Shop Using Cash App Debit Card

Cash App users can also request a debit card that pulls cash from their accounts. The debit card can be used anywhere online or in-store that accepts cards.

Shopping with the Cash App debit card allows you to earn cash back on eligible purchases. Some of my favorite offers include 10 percent worth of Bitcoin at any coffee shop or restaurant, or 10 percent off of a purchase at any grocery store.

There are often 10 to 15 percent off boosts available when you shop at places like Walmart, Chick-fil-A, Domino’s, Nike, 7-Eleven, Starbucks, and Taco Bell.

I love earning free Bitcoin just for grabbing my coffee and restaurant purchases using Cash App.

Free Bitcoin Cash App

Rakuten and Ibotta are two Cash App alternatives that pay cash back for online and in-person purchases.

8. Sell Things and Get Paid Through Cash App

You can also get free money on Cash App by flipping your used items on Facebook Marketplace or Craigslist. Many sellers will specify how they want to be paid, which in your case would be via Cash App.

Cash App alternatives you might prefer to use include PayPal and Venmo. These apps are similar to Cash App when it comes to accepting payments virtually.

Related: Things to Flip for Cash

9. Offer Services and Get Paid Through Cash App

Similar to selling your second-hand items, you can also use Cash App to sell your services. You can work for friends, family, and people in your neighborhood.

Consider offering a small hourly discount if your customers join Cash App using your referral link. It’s a great incentive for them to join (along with the Cash App sign up bonus they would receive by using your referral code).

PayPal and Venmo are similar apps that allow you to accept payments, but they don’t have referral bonuses like Cash App.

10. Follow Cash App on Twitter and Instagram

You’ll find opportunities to get free money on Cash App if you follow the company’s social media accounts. Cash App shares graphics, videos, and links to instructions on how to enter to win.

Follow the instructions provided and be sure to include your $cashtag. The company selects winners and sends free money, stocks, or Bitcoin at random.

Related: Jobs that Hire at 15 Years Old

Cash App vs CashApp (by Free International Calls App, Ltd)

Cash App is often confused with the CashApp app which is another mobile app available on PlayStore and iTunes. Cash App (with a space between “Cash” and “App”) is by Square, Inc. and CashApp (without a space) is by Free International Calls App, Ltd.

Both apps maintain high user ratings on the Playstore (4+ out of 5 stars) but are far from the same. Cash App by Square, Inc. is a money management app that allows you to transfer money between users, invest, and complete debit transactions. The CashApp app by Free International Calls App, Ltd allows members to earn money by completing easy tasks online.

The two apps have completely different purposes, but you can use them both to earn money.

Related: How to Make $5,000 Fast

How to Make Money With CashApp by Free International Calls App, Ltd


At a glance, the CashApp app looks a lot like Cash App. Both logos are green with a dollar sign, and it can be easy to confuse them if you don’t read the descriptions. The ways to make money with the CashApp app are far different from those that Cash App offers.

Watch Videos

The CashApp rewards app pays its members in cash rewards for watching commercials and ads online. The ads to view are targeted toward members based on their interests, age, activities, etc.

I wouldn’t download the CashApp app just to watch ads because there are better alternatives that I already use. For example, InboxDollars is a free website and app that pays in cash rewards for doing all sorts of easy tasks. Watching videos is one of the many options.

Related: InboxDollars Review: Hacks to Earn the Most Money

Complete Surveys

The CashApp app also pays members to answer surveys. If you join the app, you’ll provide some basic demographic information. The app uses those details to deliver you surveys that relate to your everyday interests.

I prefer Branded Surveys over the CashApp app. It’s a better-paying alternative that pays for your advice on different products and services.

Related: Surveys That Pay Cash Instantly

Complete Offers

The CashApp app offers a variety of paid offers for members to complete to earn rewards. These are basically advertisements by companies that partner with the app. When you make a purchase or start a free trial, the Cash App app gets paid and splits that income with you.

MyPoints is a better alternative with many useful offers to complete. I like to hop on and check for the ones that are relevant to me. If it’s a service I was planning to pay for anyway, I can earn money for moving forward.

Related: MyPoints Review: Is It Worth It?

How to Flip Money With Cash App (The Scams to Avoid)

Cash App by Square, Inc. (back to the money management app) is unfortunately associated with a handful of money flipping scams. These scams are in no way fueled by Cash App, but they have given the app a bad name to some users.

Instead of avoiding completely legitimate money-making apps like Cash App, learn to identify the scams before they even reach you.

Cash App Money Flipping

Since Cash App is an investment app, it is crawling with scammers who claim to invest your money and flip it for profit. While there are legitimate ways to flip money, sending your cash to a stranger is not the way to do it.

These Cash App money flippers claim to take your money, invest it, and send you back more than you gave them to invest. Sometimes the scammers will start with small dollar amounts like $5, send it back after receiving it, and convince you to send a more significant amount to them.

If a stranger is promising you big returns, block them immediately. There is no guaranteed way for someone to flip money with Cash App. The only guarantee is that scammers will take your money and block you.

Item Deposit Scam

Another common scam you may come across is when people ask for a deposit to hold an item they are selling. You’ll usually see this scam in conjunction with high-value items selling for a low price, like rare puppy breeds, beautiful apartment units, and large appliances or vehicles.

The scammer lists the item at an unbeatable price and asks you to make a deposit via Cash App to “hold” the item. As soon as you make the deposit, the scammer will block you, and your money is gone forever.

Related: Best Weekend Jobs to Earn More Money in Your Spare Time

Cash App is a Great Virtual Wallet

While neither the CashApp rewards app nor the Cash App payment app is irreplaceable, the apps are both offer useful and legitimate opportunities to make money instantly.

There are times when I need money today for free, and I can’t get to the ATM in time. If you’re like I and lend and borrow small dollar amounts from family often, Cash App is a great way to send and receive money immediately.

I can’t tell you how many times I’ve asked a sister to pick up some chips or drinks from the store and couldn’t pay her back until I visited the nearest ATM. Cash App makes it much easier to get money to the right people immediately.

With all the ways to get free money on Cash App, I think it’s a great tool to keep in your back pocket for when you need it. Plus, you can use Cash App free money code JSMTBXW to get a free bonus just to get started.

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