Transfer Money From Gift Card To Cash App: How to Guide

Cash App has become one of the most popular digital wallet and payment apps, allowing users to easily send, receive, and store money. With its connected debit card, it essentially gives you access to a digital bank account. For those received gift cards for the holidays or other occasions, transferring that gift card balance to Cash App can provide greater flexibility in how you can spend or access those funds. Typically gift cards from major credit cards like Visa or Mastercard, or retailer gift cards from stores like Amazon and Walmart can be transferred.

The key is understanding how to link these gift cards to your Cash App, which this guide will explore in detail.

Key Takeaway

  • Cash App allows transferring compatible gift card balances into your account
  • Open-loop Visa/Mastercard gift cards usually transfer instantly
  • Retailer gift cards take 1-3 business days to transfer balances
  • If gift card isn’t directly compatible, swap for an open-loop card first
  • Enter legitimate gift card details and provide verification info if prompted
  • Small fees may apply for balance transfers or expedited delivery
  • Consolidated balances must be spent carefully from correct funding source

Understanding Gift Cards and Cash App Compatibility

When looking to transfer gift card balances to Cash App, the first step is confirming whether your gift card is compatible. Cash App is able to take balances from open-loop gift cards and some retailers.

Open-loop gift cards are essentially prepaid credit cards, usually from Visa, Mastercard, or American Express. The balance can be spent anywhere the brand credit card is accepted. These open-loop gift cards work universally the same as the physical credit card would.

Retailer closed-loop gift cards have some compatibility, but are more specific on where you can spend the balance, usually just at that merchant. Many larger retailers like Walmart, Target, Starbucks, and Amazon have gift card compatibility with Cash App balance transfers.

Checking the back or terms and conditions of your gift card is the easiest way to confirm Cash App compatibility. If unsure, connecting the gift card to your Cash App wallet is the best way to test it.

Preparatory Steps Before Transfer

Before transferring a gift card balance to Cash App, take the following preparatory steps:

  • Sign Up for Cash App Account – If you don’t already have one, download the Cash App mobile app and sign up for an account by providing your name, email/phone number, birthday, and creating a 6-digit PIN.
  • Check Gift Card Balance – Carefully check your gift card balance by calling the number on the back of the card or looking on the retailer’s website. This will tell you how much money is available to transfer. Also take note of any associated fees for checking your balance.

Once those steps are completed, you’ll be ready to move onto transferring the balance.

Step-by-Step Guide to Transferring Money

The specific process for transferring a gift card balance to Cash App may vary slightly depending on the type of gift card, but involves the following general steps:

  1. Open the Cash App mobile app and select the “My Cash” tab, then “Add Cash”
  2. Choose the amount you wish to transfer. It cannot exceed your gift card balance including any associated transfer fees.
  3. Select “Gift Card” as the transfer method from the listed options.
  4. Provide your gift card information when prompted – Number, expiration date, CVV security code
  5. Approve any special permission requests depending on your gift card bank
  6. Validate your identity if it’s your first gift card transfer to Cash App
  7. Wait 1-3 business days for the balance transfer confirmation to process

The specific timeline depends on the gift card type – open-loop Visa/Mastercard transfers are generally instant after approval, while retailer gift cards take 1-3 days.

If facing any errors in the transfer process, you may need to enter your SSN or other personal details for verification purposes to finalize the balance transfer based on bank requirements.

Alternative Methods If Direct Transfer Isn’t Possible

If your gift card is not directly compatible with Cash App balance transfers, all the added steps you need to take are:

  • Exchange the gift card for an open-loop Visa/Mastercard gift card at the retailer location – Most major stores allow exchanging for an open-loop card with the balance amount.
  • Use a third-party gift card exchange service – These services allow you to swap or sell gift cards in exchange for cash sent to your desired payment account or an open-loop card. Note that slightly higher fees may apply.
  • Add the virtual card to PayPal; Transfer PayPal balance to Cash App – Connecting the gift card to Payal digital wallet by entering its details, then sending that PayPal balance to Cash App linked to your account is also possible for balance consolidation purposes.

Safety and Considerations

When moving gift cards into Cash App, be aware of potential fraud, fees, and best practices:

  • Only enter legitimate gift card details tied to your identity to avoid triggering fraud alerts that can freeze transfers.
  • Activate gift cards promptly before transferring for the most seamless experience.
  • If facing errors, you may need to provide additional verification details like SSN, ID documents, or a selfie image.
  • Fees may apply for balance transfers or if expedited delivery of funds is requested.
  • Transferring balances combines them in Cash App, so ensure you spend from the correct funding source.


Cash App delivers flexibility and convenience in integrating gift card balances into a central account for easy access to money. While compatibility varies based on the gift card type, retailer, and bank policies, the transfer process follows similar steps – linking the gift card to your account profile and allowing time for balance delivery. With the gift card successfully connected to Cash App, you can seamlessly track, spend, or withdraw those extra holiday funds.

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