How to Get Free Money on Cash App (14 Easy Ways)

One of the most popular questions I’m asked is how to get free money on Cash App. Is it a scam or is it really possible to line your pockets with some extra free money using the app?

Initially, I thought it was a scam. And there are in fact scams that promise to give you free money on Cash App. But in reality, you end up getting swindled!

Rest assured, this is not one of those scams. In the last 12 months, I have personally received more than $100,000 in free Cash App money using these simple hacks (but not without plenty of effort on my part).

If you want to get some free Cash App money added to your balance instantly, start with these simple strategies.

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14 Real Ways to Get Free Money on Cash App

There are only a few legit ways to make money with Cash App. It’s easy to get free money on my debit card now using the app, but it’s important 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 if you want to learn how to get free money on Cash App without doing anything because many of these strategies will take time and effort on your part.

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1. Enter Referral 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 free cash bonus. Enter the 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.


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

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 instant free Cash App money 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 up to $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.

Download Cash App and get your bonus

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


Related: Sign Up and Get Money Instantly

2. Play Games for Cash

Blackout Bingo

Blackout Bingo is a fantastic app that pays bingo winners in real money. You can potentially turn just a few dollars into more free money on Cash App just by playing games.

Use your Cash App Visa card to deposit just $2 into your Blackout Bingo wallet and get additional bonus cash for free.

Enter the Skillz promo code 2PlayFree and get FREE bonus cash with your first $2+ deposit.


You can use the free bonus cash to play rounds of bingo. The money you win is yours to cash out back to your Cash App card, or you can continue to play more rounds to potentially win more money.

Blackout Bingo is an app that believes in fair, skills-based gaming. Instead of the traditional bingo that is left completely to chance, each round has only two players who receive the same bingo card, call numbers, and power-ups. It’s what you do during each round like how quickly you place your daubs and how many bingos you complete that determines the winner.

Each player wagers cash starting at just $.60, and the person with the most points at the end of the round wins the pot. Bingo is one of the easiest games to learn, and you can practice for as long as you want before deciding if you’re ready to play with real money.

Any cash you win can be refunded to your Cash App card for free, withdrawn to your PayPal account, or sent as a check in the mail. There is no limit to how much money you can win with Blackout Bingo.

Please Note! Cash tournaments are available in most of the world. Cash tournaments are not enabled in the following states: AR, CT, DE, IN, LA, ME and SD. If you don’t live in a prize-enabled region, you can still play for free.


Related: Blackout Bingo Review

3. Complete Offers and Surveys

Taking those $750 surveys that claim to send money to Cash App was once a legit way to get free money through the app. But the requirements to earn the reward made it hard to get the cash. Then scammers quickly took over the trend and dominated the market with fake promises of free Cash App gift cards.

Instead of wondering which company is legit, 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 in cash 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 similar sites, if you complete nine out of 10 offers, you earn nothing.

Related: How to Get Paid to Answer Questions

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

Invite friends and get

Taking advantage of Cash App’s generous referral bonus is my favorite way to get free money on my debit card now. It’s easy to do, and the money is instantly available in your account.

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 after they’ve entered your referral code.

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


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 up to $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 $15 to $30 bonus in your pocket with each transaction! The extra cash adds up fast. Make sure to explain the importance of adding your referral 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 build an engaged audience on social media or have 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 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.

Get $200+ in FREE Bonuses

  1. Download Cash App ⬇️

0 displayed on Cash App

  1. Enter referral code:

  2. Swap $5 with a friend*
  3. Invite friends to join**
  4. Set up a direct deposit***
  5. 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 up to $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.


5. 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.

Related: Reasons a Random Person Sent Me Money on Cash App

6. 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

7. 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 for those who need to access their cash while on the go.

8. 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 or Exchange Traded Funds (ETFs). Investing is risky in general, but ETFs allow you to diversify your money instead of sinking 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 over time.

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

9. Invest in Bitcoin with Cash App

Bitcoin (BTC) is all the rage among cryptocurrency investors.* Since a single Bitcoin can cost between $20,000 and $60,000, 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 2021, and then dipped massively in 2022. 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

10. Shop Using the Cash App Debit Card

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.

11. 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

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

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

13. 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.

14. 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!

Free Cash App Money Doesn’t Have to Involve Scams

Each of the strategies I’ve shared is completely legitimate. But that doesn’t mean you won’t come across Cash App scams that sound tempting. The best policy is to avoid situations that sound too good to be true.

For example, if someone offers to flip your Cash App money–run. Any money flipping (basically turning your own money into more money) should be done by you and you alone.

As long as you can distinguish the legitimate ways to get free Cash App money from the scams, then it is more than possible to come out ahead.

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