How To Create Multiple Cash App Accounts (Full 2024 Guide!)

Reading time: 5 mins

Cash App offers the best features, so it is not surprising that many users want to open more than two accounts to manage their transactions.

But can you have multiple accounts on Cash App? How can you open multiple accounts on the platform?

Here’s if You Can Have More Than One Cash App Account:

Cash App’s terms of service state that each user is limited to only one active account. However, if you want, you can have more than one Cash App account as long as you use different login credentials, bank accounts, email addresses, and mobile numbers. 

Creating multiple accounts in Cash App makes sense if you want to keep your different transactions separate. Some users opt to have two accounts – one for personal and one for business.

While the platform’s terms of service expressly maintain that each user should have only one account, some get away with having two or more accounts.

They can do this by following several conditions.

For your two accounts, you need two separate email IDs, debit cards, bank accounts, and phone numbers.

You cannot input the same details in your Cash App accounts, because this will notify Cash App that you violated its terms and conditions.

Meanwhile, the personal information that you will indicate in your accounts such as your name and address, should be correct and valid.

Providing fake information may only result in your account being rejected.

You should also note that you can only have one active Cash App card for each account. 

Later on, if you find switching accounts tedious, you can merge your Cash App accounts. You only need to open the app on your phone, then tap on the profile icon at the top-right corner of your screen.

Among the options, choose Personal, then tap on Add Phone or Email. You will have to add your other Cash App account details here.

Once done, Cash App will combine both of your accounts.

If you cannot access your other Cash account and wish to merge it with the other, you have to reach out to Cash App customer service for assistance.

What Are Cash App’s Terms of Service Regarding Two or More Accounts?

Cash App’s latest policy states that each user is limited to having a single account. 

However, some users opt to open multiple Cash App accounts using different bank accounts and phone numbers. They also forego the verification process.

If you opt to do this, keep in mind that you will not get to enjoy the features of the Cash App to the fullest.

Cash App restricts users with an unverified account. For instance, you cannot send large amounts of money.

Unverified Cash App account holders can only send $250 within seven days. This is regardless if you sent the money at once or spread out over several transactions.

You will also only be able to receive $1,000 in 30 days with your unverified account.

When opening two accounts on Cash App, most users set up a personal account for their first account, then indicate a business account on the second.

To keep the accounts separate, different mobile numbers, email addresses, and bank accounts are used.

While this setup works, it is recommended that you only have one active account at once so you can stay within the platform’s terms of service.

Can You Get Banned for Having 2+ Cash App Accounts?

No. You will not get banned from using multiple accounts in Cash App, as long as you do not breach its terms of service.

Cash App may close a user’s account for different reasons. If you commit violations, you will likely be banned from the platform.

Most cases connected to having two or more accounts fall under fraud.  

For instance, you should avoid sending money back and forth between your two Cash App accounts with the same name and social security number.

This will result in Cash App banning both of your accounts.

Fraudsters typically commit scams by transferring money to different accounts to prevent their victims from doing chargebacks via their credit card issuers.

If you do this, Cash App will consider this a red flag and ban you from the platform.

If Cash App closes your account due to a violation, you may contact customer support and follow the steps on how to reopen your account as indicated in their response.

Banned users may still ask for an appeal. Cash App will review the case and decide if your account will be permanently disabled or not.

If the appeal process does not go well, you can always create a new account on the platform. Just provide a different mobile number, email address, and bank account.

Can You Sign In to Multiple Cash App Accounts From the Same Phone?

Yes. You can use the same phone when signing in to multiple Cash App accounts, but only one at a time.

You cannot be simultaneously signed in to multiple accounts in the same app.

To access your second Cash App account, you need to tap on your profile icon on the home screen, then click Sign Out on your first account.

Afterward, enter the email or phone number associated with the account you wish to access and follow the prompts. 

Some users utilize a clone app for Cash App so they can access multiple accounts at the same time on the same phone.

Most Android phones can download Dual Apps or Dual Space which allows duplication of Cash App and other apps.

Using this, you can create two Cash Apps on your phone so you can log in to different accounts all at once.

How to Create a Second Cash App Account: (Step-By-Step)

To create a second Cash App account, you need to do the following steps:

1.     Sign out of your first account by clicking the Profile icon on the top of the screen, then tapping the Sign Out option. You will be directed to the Sign In page on the Cash App home screen.

2.     Click on Sign Up to open a new account.

3.     Begin the sign-up process by keying in your new email or phone number.

4.     Verify the email or phone number when prompted by Cash App.

5.     Select your country and choose your account type (personal or business).

6.     Settle your bank account by adding the debit card you will be using. You will be prompted to enter your account number, CVV, and other bank details.

7.     Enter your address and area zip code.

8.     Follow the on-screen instructions and accomplish the rest of the required information for setting up a new account.

You should ensure that you will be using a different mobile number, email address, and bank account on your second Cash App account.

To access your first account, simply log out of the new account then log in using the previous account details.


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Article by
Max T.
Max is the founder of Knowledge Eager and has made it his mission to find and review the best online business courses. He has taken more than 20 online courses and runs a small portfolio of content websites.