How to Get FREE Money on Cash App ($200+): Code JSMTBXW

Use Cash App free money code JSMTBXW to get an INSTANT cash bonus! Just swap $5 with a friend through the app to qualify.

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Download Cash App


When I first learned about Cash App, I wasn’t sure if it was legit or safe. The app seems to have a bad rap since scammers like to use it to target unsuspecting users.

Sadly, there are top results on Google–especially YouTube videos–that are promoting scams. There are absolutely no “generators” that automatically add free money to Cash App.

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. Instead, I’ll teach you how to avoid those scams and how the Cash App free money code really works.

I downloaded the app to my own personal cellphone to get the full experience and let my readers know if there are legitimate ways to get free money on Cash App instantly.

I am pleasantly surprised with the app and excited to share the details with you about how you can potentially get thousands of dollars for free on Cash App.

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Swagbucks - A fun rewards app that gives you cash or free gift cards for the everyday things you already do online.

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Instacart - Earn up to $20 per hour to shop for and deliver groceries on your own schedule using your own car (and keep 100% of your tips!).

Cash App - Get $200+ in free cash and Bitcoin, invest in Bitcoin and stocks, and send and request money for free. Use my referral code for a cash bonus:

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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.”

📋 Enter referral code JSMTBXW
💵 Direct deposit Get up to $150 in bonuses
🤝 Refer friends Get $30 each (unlimited)
💳 Use the Cash Card Get up to 15% back

Cash App Pros

  • Easy and free person-to-person transactions
  • User-friendly, simple interface
  • Simple investment tool for beginners
  • Optional prepaid debit card to earn cash and free Bitcoin
  • Generous sign-up bonus and referral bonus opportunities (use Cash App free money code JSMTBXW)

Use Cash App free money code JSMTBXW to get an INSTANT cash bonus! Just swap $5 with a friend through the app to qualify.

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Download Cash App


Cash App Cons

  • Only available in the US and UK
  • 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: How to Use Cash App Without a Debit Card

Legit Cash App Free Money Code: JSMTBXW

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

Get $200+ in FREE Bonuses

  1. Download Cash App ⬇️

0 displayed on Cash App

  1. Enter referral code:

  2. (click to copy)

  3. Swap $5 with a friend*
  4. Invite two friends to join**
  5. Set up a direct deposit***
  6. Get ALL of my Cash App secrets

*Ask a friend to swap $5 with you through Cash App to activate the $5 sign up bonus.

**Get $30 for every friend who joins using your referral code.

***Deposits must equal $300+ within a 30 day period to activate the $100 and $50 cash Boosts.


The free money code is legit and safe to use! If you have joined Cash App within the last 14 days, you are eligible to receive a sign up bonus.

To enter the free money code, open Cash App and click the profile icon at the top right of the screen. Scroll to the bottom where you’ll see a green link to “Enter Referral Code.”

Cash App enter referral code

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

Use Cash App free money code JSMTBXW to get an INSTANT cash bonus! Just swap $5 with a friend through the app to qualify.

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Download Cash App


Enter referral code

You’ll see an immediate pending Cash App sign up bonus of $5. (I received a $10 Invitation Bonus during a promotional period, but currently, the bonus is $5.) 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.

13 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).

Make sure to read through to the end of number 13 if you want to learn how to get free money on Cash App without doing anything!

1. Use Cash App Free Money Code JSMTBXW and Get $5

You can set up Cash App on your iPhone or Android device in just a few minutes. The process is simple, and the app will walk you through the steps one by one.

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.

Use Cash App free money code JSMTBXW to get an INSTANT cash bonus! Just swap $5 with a friend through the app to qualify.

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Download Cash App


To activate the bonus, you will need to grab your debit card and put the card number into the app. Then send at least $5 to another Cash App user (this can be a friend or even a family member within your household).

Link debit card Cash App

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

We received $30 in bonuses at the time between the two of us (now $40):

  • I received a $10 Invitation Bonus (now $5) for joining Cash App.
  • I received an additional $15 Invitation Bonus (now $30) for inviting my husband to Cash App and sending him five bucks.
  • My husband received a $5 Invitation Bonus for entering Cash App free money code JSMTBXW and sending me the same five bucks back.

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

Use Cash App free money code JSMTBXW to get an INSTANT cash bonus! Just swap $5 with a friend through the app to qualify.

(click to copy)

Download Cash App


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.

Related: How to Get Paid to Answer Questions

3. Refer Family, Friends, and Customers for $2,000+

Invite friends and get

Once you’ve joined the app, you’ll need to send at least $5 to another user 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 the same $5 back (an even exchange).

Use Cash App free money code JSMTBXW to get an INSTANT cash bonus! Just swap $5 with a friend through the app to qualify.

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Download Cash App


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 $30 per referral, and each friend gets $5, too.

Tons of people use this Cash App hack to refer people via YouTube, Instagram, Facebook, forums, even person-to-person text invitations, and for business transactions. For example, if you sell handmade goods for $5 to $50+ per item, and you refer your customers to Cash App to pay you, that’s an extra $30 in your pocket with each transaction! The extra cash adds up fast. Make sure to explain the importance of adding your Cash App free money code when they download the app. In exchange, they get a $5 cash bonus.

For reference, it would take 67 referrals to get over $2,000 free money on Cash App. If you have an engaged audience on social media or lots of used items you can sell on Facebook Marketplace, you just might be able to encourage that many people to use the app, too.

If you’re not selling goods or services, just tell your referrals to use the app to send at least $5 to a friend after entering your Cash App free money code. 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 their bonus. 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.

Get $200+ in FREE Bonuses

  1. Download Cash App ⬇️

0 displayed on Cash App

  1. Enter referral code:

  2. (click to copy)

  3. Swap $5 with a friend*
  4. Invite two friends to join**
  5. Set up a direct deposit***
  6. Get ALL of my Cash App secrets

*Ask a friend to swap $5 with you through Cash App to activate the $5 sign up bonus.

**Get $30 for every friend who joins using your referral code.

***Deposits must equal $300+ within a 30 day period to activate the $100 and $50 cash Boosts.


4. Get a Free $20 Cash App Payment by Asking for It

If you’re wondering how to get $20 fast on Cash App, perhaps all you need to do is slow down long enough to think of one person who might send it to you for free. I can’t remember the last time someone gave me a hard time when I asked them to spot me a few dollars–and they almost never let me pay them back!

You can possibly make $20 instantly on Cash App just by sending a request to a friend or family member. I’ve even heard of people sending money requests to random Cash App names and receiving a few dollars for free. The trick is to ask for a low dollar amount, making it easy for the person to send it without a second thought.

To request free money on Cash App, open the app, enter $20 as the dollar amount and select “Request.” As long as you’ve enabled the app to access your contacts, you’ll see a list of friends who use Cash App.

Select a friend, write a quick note letting them know why you are asking for the money, and then hit “Request.”

If you’re sending requests to random Cash App names (which may work one time out of 100+ requests), you can save time by writing a nice note and copying it to your phone’s clipboard. Then just paste it into each request you send.

5. Get $100 Free Cash App Money With Direct Deposit

Get 0 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 income totaling $300 within a 30-day period.

Sometimes an additional $50 free Cash App money is available with the same requirements of at least $300 in direct deposits within a 30-day period for a total of $150.

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.

Related: Unique Cash App Card Designs

6. Get Free Cash App ATM Fee Reimbursements

The Cash App debit card works at any ATM. But between withdrawal limits of $310 per transaction and up to $1,000 in 24 hours, it would take four separate swipes to get $1,000 out of your Cash App account.

The app charges $2 and banks charge anywhere between $1.50 to $3.50 on average per transaction. That means to get $1,000 out of your own account, you could pay between $14 and $22 in fees.

Thankfully, Cash App offers FREE cash to reimburse those fees (up to three times per month) to users who set up a direct deposit of at least $300 per month.

The free Cash App money for ATM withdrawals is a great perk to those who need to access their cash while on the go.

7. 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.

Related: How to Use Cash App for Minors

8. 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: Best Cash App Flips

9. Shop Using Cash App Debit Card

Get Endless $CashBack With Cash App

Cash Back With Cash App

6 Simple Steps:

  • Download Cash App
  • Click to copy code:
  • Paste it in "Enter Referral Code"*
  • Order the FREE Cash Card
  • Activate the Cash Boosts
  • Get cash back on elligible purchases

*As long as you send at least $5 to another Cash App user (swap it with your spouse, teen, friend, etc.) within 14 days of opening a new account, you'll get the initial cash bonus.


Cash App users can also request a debit card that pulls cash from their accounts. It’s easy to load the Cash App Card with funds to start using it online or in-store.

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 Cash App Boosts available when you shop at places like Walmart, Chick-fil-A, Nike, 7-Eleven, and Starbucks.

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.

10. 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

11. 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.

How to Accept Payment

Selling things person to person like second hand items or your services can be a pain.

No one has cash on hand anymore to buy your stuff.

Everyone takes Visa cards EXCEPT you!

That's why offering Cash App as a payment option can boost your sales in a heartbeat.

And it's SO easy to use as a seller AND a buyer.

Download the app and get a free cash bonus when you enter referral code JSMTBXW and send money using the app.

Copy the code then paste it into Cash App to get the free bonus!

(click to copy)


12. 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.

13. Get Random Money on Cash App Using Your QR Code

Man holding Cash App QR code

If you’re wondering how to get free money on Cash App without doing anything, then grab your QR code and sit back and relax! It’s possible to get a random Cash App bonus of $1,000 or more over time using this fun, effortless strategy. Here’s how it works.

Cash App assigns each user a unique QR code. Anyone can scan your Cash App code with their smartphone and send you free money in seconds. Just share your code to possibly receive some random Cash App money into your account!

Some of my favorite times to share my QR code with friends or family are on my birthday or during special occasions like holidays. It’s also much more effective if someone shares your code on your behalf with a note saying why you could use the cash.

Once you print off your code, you can paste it onto a page that includes a fun or heartfelt note. Post the page anywhere you’d like and wait to see who sends you random money. You can hang the paper above your desk at work, inside your car window (facing outward), or share it digitally on social media. It’s a super-easy way to get free money on Cash App without doing anything.

If you need some inspiration, sign up below to get my FREE Cash App printables. Just paste your QR code, share the page, and possibly get some random payments!

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

CashApp

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: Branded Surveys Review: Is It Worth It?

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.

Related: Surveys That Pay Cash Instantly

Money Loops

Some people unknowingly participate in money loop schemes that promise to turn $100 to $800 on Cash App. While there are some winners who join the scheme, there are many more who lose their money.

A money loop, sometimes referred to as a “Blessing Loom,” is a social media scheme that encourages friends to “bless” one person with $100 and in return receive eight $100 payments. It is a circular setup that always fades out over time, leaving those who join toward the end of the scheme in a deficit of $100. 

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.

Use Cash App free money code JSMTBXW to get an INSTANT cash bonus! Just swap $5 with a friend through the app to qualify.

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Download Cash App


Related: Best Cash App Games for Money

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