No, you don’t need a bank account to use Cash App. Cash App offers a Cash Card, which works like a debit card and allows you to make purchases or withdraw money from an ATM.  To send money without a bank account, you can either use a credit card or your existing Cash App balance. Keep in mind that using Cash App without a bank account means you can’t transfer money out of the account. Also, to send money with a credit card rather than a bank account, you’ll pay a 3% transaction fee.