TL;DR – Quick Summary: Cash App does not support true international money transfers. It is available exclusively in the United States, and since September 2025, its UK operations have ceased entirely. You cannot use Cash App to send money to Mexico, India, the Philippines, Canada, or virtually any other country. For cross-border remittances, dedicated services such as Wise, Remitly, WorldRemit, and Xoom offer far broader coverage, competitive exchange rates, and multiple delivery options.
What Is Cash App and Where Does It Work?
Cash App, formerly known as Square Cash and developed by Block, Inc. (previously Square Inc.), is a mobile payment service that enables peer-to-peer (P2P) fund transfers, stock investing, Bitcoin transactions, and direct deposits through a single application. Since its launch, it has grown into one of the most recognized digital payment platforms in the United States, serving tens of millions of active users.
Despite this domestic dominance, Cash App's geographic footprint remains narrow. The platform is available exclusively to residents of the United States who hold valid U.S. phone numbers and can verify their identity with government-issued documentation, including a Social Security Number. To open an account, users must also be physically located within the U.S. at the time of registration. This architecture means Cash App is fundamentally designed around the U.S. banking infrastructure and does not use international standards such as IBANs or SWIFT codes.
Can You Send Money Internationally with Cash App?
The direct answer is no — at least not in any meaningful, practical sense. Cash App does not support international wire transfers, cross-border bank-to-bank remittances, or multi-currency payments to recipients in most parts of the world. There is no mechanism within the application to route funds to a bank account in Mexico, India, the Philippines, Nigeria, or any country outside of its restricted operating geography.
Historically, Cash App maintained a limited corridor between the United States and the United Kingdom, allowing U.S.-based users to send funds to U.K.-based Cash App account holders in British pounds. However, Cash App UK formally ceased operations in September 2024, leaving the platform with strictly domestic functionality within the United States. This was a deliberate strategic decision by Block, Inc. to refocus resources on its core U.S. market rather than pursuing global expansion.
While the Cash App Visa debit card can technically be used to make purchases at international merchants or withdraw cash from foreign ATMs that accept Visa, this is not the same as sending money abroad. It carries standard foreign transaction fees and ATM withdrawal charges, and the cardholder must already have funds loaded on the app — making it a spending tool rather than a remittance solution.
Why Cash App Exited the UK Market
Block, Inc.'s decision to wind down Cash App UK operations reflects a broader industry reality: building and maintaining compliant, cost-effective international payment infrastructure is extraordinarily resource-intensive. Regulatory compliance requirements differ by jurisdiction, anti-money-laundering (AML) frameworks vary significantly between the U.S. Financial Crimes Enforcement Network (FinCEN) and the UK's Financial Conduct Authority (FCA), and the economics of serving smaller user bases in new markets can be unfavorable.
For consumers, this exit underscores a critical point: relying on a platform with limited international ambitions for cross-border transfers carries real risk. When a provider exits a market, users lose access without warning and must scramble to find alternatives — sometimes at unfavorable exchange rates or during time-sensitive financial moments.
Cash App Sending and Receiving Limits
Even within the United States, Cash App imposes meaningful transaction limits that users should understand before attempting higher-value transfers. Unverified accounts — those that have not completed the full identity verification process — are capped at $1,000 in outgoing payments over any rolling 30-day period and face a cumulative account limit of $1,500. Verified users who have submitted government-issued ID and confirmed their date of birth and the last four digits of their SSN can send up to $7,500 per week and receive unlimited funds.
For international use cases — which Cash App does not officially support — these limits are largely moot. The more relevant point is that no amount of verification unlocks an international transfer capability that simply does not exist within the platform's product architecture.
Exchange Rates and Fees on Cash App
During the period when Cash App supported U.S.-to-UK transfers, it applied the mid-market exchange rate — the benchmark rate used in interbank currency trading — without charging an additional currency conversion markup. This was competitive compared to many bank wire services. Standard P2P transfers within the United States remain free when funded by a Cash App balance or bank account. Transfers funded by a debit card carry a 0.5% to 1.75% instant transfer fee, while credit card-funded transfers incur a 3% fee.
The absence of international transfer capability means these fee structures are irrelevant for cross-border remittance purposes. Users seeking favorable exchange rates and low fees for international transfers must look elsewhere.
The Real Cost of Cash App's International Limitations
For the millions of immigrants, international workers, and globally connected families living in the United States, Cash App's limitations carry genuine financial consequences. The global remittance market exceeds $800 billion annually, and the United States is one of the world's largest sending corridors, with major flows toward Mexico, India, China, the Philippines, and Central America. Anyone relying on Cash App for these needs will find themselves unable to complete transfers to the people who need the money most.
Beyond simple availability, the lack of international functionality means users miss out on competitive exchange rates, multiple payout options (bank deposit, cash pickup, mobile wallet), and the transfer speed that specialized remittance platforms have engineered specifically for cross-border use cases. The gap between what Cash App offers domestically and what the international transfer market demands is substantial.
Best Cash App Alternatives for International Transfers
Fortunately, a mature and competitive market of specialized international money transfer services has emerged to serve the needs Cash App cannot meet. The following providers are widely recognized for combining competitive pricing, broad geographic coverage, and reliable delivery infrastructure.
Wise (Formerly TransferWise)
Wise offers transfers to more than 80 countries across 50+ currencies. It consistently applies the mid-market exchange rate with a small, transparently disclosed percentage fee — typically well under 1% for bank-to-bank transfers. Transfers frequently arrive within minutes or a single business day, and Wise's multi-currency account allows users to hold and convert balances across dozens of currencies without conversion penalty.
Remitly
Remitly specializes in consumer remittances to emerging markets and serves over 170 countries. It offers two transfer tiers — Economy and Express — allowing senders to balance cost against speed based on their needs. Delivery options include bank deposit, cash pickup, mobile wallet, and home delivery in select markets. Remitly is particularly well-regarded for its corridors to Latin America, South Asia, and Southeast Asia.
WorldRemit
WorldRemit supports transfers to more than 130 countries with a particular strength in cash pickup, airtime top-up, and mobile money delivery — making it valuable for recipients in markets with limited banking penetration. Its pricing is transparent and competitive, though exchange rate margins can vary by corridor.
Xoom (by PayPal)
Xoom, a PayPal subsidiary, provides fast international transfers to over 130 countries, with strong support for urgent transfers. It integrates seamlessly with PayPal accounts, offering existing PayPal users a familiar interface. Delivery options span bank deposits, cash pickup, and home delivery in select destinations.
XE Money Transfer
XE is especially well-regarded for larger transfers, offering zero transfer fees on amounts above $500 and competitive exchange rate margins. It is suitable for individuals making high-value international payments such as property purchases, tuition payments, or significant family support remittances.
How to Choose the Right International Money Transfer Service
Selecting the most appropriate international transfer service requires evaluating several interdependent factors. First, assess the destination country and verify that the provider covers it with your preferred payout method — not all services deliver to all countries via bank deposit, cash pickup, and mobile wallet simultaneously. Second, calculate the total cost of the transfer, which includes both the explicit transfer fee and the embedded exchange rate margin relative to the mid-market rate. Third, evaluate transfer speed against your recipient's urgency — express transfers cost more but deliver faster. Fourth, consider account verification requirements and whether the provider accepts your preferred payment method (bank account, debit card, or credit card).
Comparison platforms such as CompareRemit allow users to evaluate multiple providers simultaneously across all of these dimensions in real time, ensuring that every transfer is executed at the best available combination of rate, fee, and delivery speed.
Frequently Asked Questions
Can I use Cash App to send money to Mexico?
No. Cash App does not support transfers to Mexico or any other country outside the United States. Mexico is one of the world's largest remittance-receiving nations, and users need a dedicated international transfer service such as Remitly, Wise, or Xoom to send funds there reliably and at competitive rates.
Does Cash App work in Canada?
Cash App is not available in Canada. Canadian residents cannot open a Cash App account, and U.S. users cannot send money directly to Canadian bank accounts through the platform. Alternatives including Wise, Remitly, and OFX all support U.S.-to-Canada transfers with transparent fees and competitive exchange rates.
Is there a Cash App international wire transfer option?
No. Cash App does not offer international wire transfers. It does not support SWIFT or IBAN-based transactions. For wire-style international transfers, banks or specialized providers such as OFX and Wise are appropriate alternatives, with OFX notably offering zero transfer fees on many international payments.
What happened to Cash App in the UK?
Cash App UK ceased operations in September 2024, following Block, Inc.'s decision to prioritize its U.S. business and deprioritize international expansion. Former UK users lost access to their accounts and were directed to withdraw their balances before the shutdown. The U.S.-to-UK transfer corridor that Cash App once offered no longer exists.
What is the cheapest way to send money internationally instead of Cash App?
The cheapest method depends on the destination country, transfer amount, and payout preference. However, bank-funded transfers via Wise or Remitly consistently rank among the lowest-cost options for personal remittances. Using a comparison tool such as CompareRemit before each transfer ensures you identify the provider offering the best combined rate and fee for your specific transaction.
