Looking at options for Cash App for kids?
You’re in the right place!
We’ll go over the rules & regulations for Cash App accounts and others.
In this article, we’ll discuss:
Yes, Cash App has a lot of awesome features.
A lot of those features would be helpful in teaching kids & teenagers the value of money and how to responsibly manage it.
But are they allowed to use Cash App?
Let’s find out!
Is Cash App for Kids?
Can a kid have Cash App?
No, kids cannot have a Cash App account.
Cash App terms of service require users to be 18 years or older to sign up. 
Children under age 18 cannot enter into the contract.
The only way they can legally have a Cash App is to use their guardian’s card.
No, you can’t.
The child in this situation would have to use an active account already started by a parent, and you’d have to co-use the account moving forward.
What About Cash App for a Teenager?
Currently, there isn’t a way to directly use a cash app card if you’re less than 18 years old.
In order to do so, a parent would have to allow the teenager to use their account.
The verification requires an ID from the user, which means minors do not have the means to verify their account.
Can Kids Use Their Parents’ Accounts?
Technically, kids could become Cash App users simply by using a parent’s Cash App account.
The parent would have to set it up, because you need a legal ID and must be 18 years of age or older according to their terms & conditions.
Once the setup is finished, a parent could provide their login information to their child to use it.
You could even snatch that glorious referral bonus if you so choose.
…we don’t recommend that.
There are other alternatives in which they can learn about money without having full access to your entire bank accounts.
Cash App Alternatives for Kids & Teenagers
Still, looking for a financial app for your kids?
It’s a bummer they can’t use a Cash App account, but there are alternatives.
Here are a few of the best ones out there at the moment:
Let’s dig into these a little deeper, shall we?
FamZoo is an app designed specifically for kids to use. 
You can set allowances and monitor their spending.
This Cash App alternative is great because you can enable an automatic setting that rounds up every transaction (yes, even a $1 purchase) and puts the change in a savings account for your child.
Another Cash App alternative is Greenlight – this app has been around since 2008! 
It’s currently under development with new features being added all the time.
The biggest feature they’re adding is peer-to-peer payments.
You’ll be able to send money to another Greenlight user without having to go through PayPal or Venmo first or deal with Cash App pending payment issues that sometimes occur (not great for youth expense tracking).
They also have some cool features like sending money through email, messaging, or photos.
A Cash App alternative is called Current – this app is for both kids and adults. 
We mention Cash App alternatives in general, but Cash App itself does not have a debit card that supports purchases in stores.
You can use the Cash Card at ATMs to withdraw cash or you can transfer money from your Cash App to your bank account via ACH.
If you’re looking for an online-only Cash Card option, then look no further!
Another Cash App alternative is GoHenry, which is available on Android & iOS devices. 
It looks like it has all of the same functions as Cash App: send, request, pay bills, reload prepaid cards/gift cards, and more.
The only real downside is that Cash App has a fee of $1 to send payments under $10 while GoHenry charges 2.9%.
Still, it’s a Cash App alternative!
Cash App for Minors FAQs
Do you have to be 18 to use Cash App or a Cash Card?
You must be 18 or older to apply for a Cash Card.
Will Cash App ever be available for kids?
Most likely not, but you never know! They seem to focus more on more adult-geared features such as easy investing and such.