Cash App is one of the best-known US fintech apps, letting users send and receive money instantly and for free.
Unfortunately, Cash App doesn’t work internationally: it only works in the US (checked in September 2026).
If you don’t live in the US, you can’t open a Cash App account, and even US users can’t send money to (or receive money from) other countries, because Cash App doesn’t support cross-border payments. So if you live in the United Kingdom, Canada, Brazil, Europe, India, China, Australia or New Zealand, you’ll need an alternative.
In this article, we look at where Cash App works, what happens if you use it abroad, and the best Cash App alternatives for sending money, banking and investing outside the US.
What is Cash App?
Cash App (formerly Square Cash) is a US money app owned by Block, Inc., the company previously called Square. It is one of the most popular payment apps in the United States, with 59 million monthly transacting actives in June 2026.
Beyond sending money to friends, Cash App now offers a debit card (the Cash App Card), direct deposits with early paychecks, savings, short-term loans (Cash App Borrow), and investing in stocks and bitcoin.
Which countries is Cash App available in?
Cash App is only available in the US.
Cash App used to be available in the UK too, but it stopped serving UK users on 15 September 2024. That also ended the only cross-border payments Cash App ever supported, between the US and the UK.
To open an account, you need to be in the US and verify your identity as a US resident. Payments to and from other countries are not supported.
Cash App once had plans to launch in Europe from a base in Dublin, but Block later decided to focus on the US, and there are no signs of an international launch.
Looking for an alternative? Below, we cover options for the payments and banking and investing sides of Cash App.
Can you use Cash App while traveling abroad?
Partly. If you already have a US Cash App account, you can use your Cash App Card (a Visa debit card) for purchases and ATM withdrawals in most countries, except sanctioned or restricted ones such as Russia, Iran, Cuba or North Korea.
Everything else stops working outside the US: you can’t send or receive payments, add money or cash out while abroad.
Using the card abroad isn’t free. According to Cash App’s terms of service:
- Foreign transaction fee: 3% on card purchases abroad and on purchases from foreign online merchants.
- How to avoid it: the fee is waived for in-person card purchases if you spend at least $500 on the card or receive at least $300 in qualifying deposits in a month (until the end of the following month).
- ATM withdrawals: $2.50 per withdrawal, plus any fee charged by the ATM operator.
For regular spending abroad, a multi-currency card such as Wise or Revolut is usually much cheaper.
Local Cash App alternatives worldwide
Most countries have their own instant payment app or system, usually linked to a local bank account or phone number. These are the closest equivalents to Cash App for residents of each country:
| Country or region | Cash App equivalent |
| Brazil | Pix |
| Canada | Interac e-Transfer |
| India | UPI apps (PhonePe, Google Pay, Paytm) |
| China | WeChat Pay, Alipay |
| Kenya | M-Pesa |
| Australia | PayID (Osko) |
| Mexico | CoDi |
| Portugal | MB WAY |
| Spain | Bizum |
| Germany, France, Belgium | Wero |
| Netherlands | Tikkie (iDEAL) |
| Poland | BLIK |
| Italy | Satispay |
| Sweden | Swish |
| Switzerland | TWINT |
Checked in September 2026.
These apps work well at home but, like Cash App, rarely work across borders. To send money between countries, use one of the international services below.
Cash App alternatives for payments and digital banking
If you need to send, receive, spend and convert money easily and at a low cost, these are the best alternatives to Cash App for international users:
Wise
The go-to service for sending money abroad. Wise converts at the real mid-market exchange rate with a small, transparent fee, and its multi-currency account gives you local bank details in several currencies, including USD, EUR and GBP. It’s available to residents of most countries.
Revolut
A global finance app with around 70 million users, available in the EEA, the UK, the US, Switzerland, Australia, Japan, Singapore, Brazil and other markets. It offers free transfers between Revolut users, currency exchange (with monthly limits on the free plan) and investing in stocks and crypto.
PayPal
A global platform to send and receive money for personal and business use, available in about 200 markets. It’s convenient for paying people abroad, but its currency conversion fees are high compared with Wise or Revolut.
Vivid Money
A German digital banking app for EEA residents, with free transfers between users, multiple currency pockets and investing in stocks, ETFs and crypto.
N26
A German digital bank with a full banking licence, available in around 24 European countries. It left the UK in 2020 and the US in 2022.
Monese
A mobile account for people who have just moved to a new country, since you can open it without a local credit history. It serves the UK and parts of the EEA, with GBP, EUR and RON accounts, and has been owned by the UK fintech Pockit since October 2024.
Wealthsimple
The closest Canadian equivalent to Cash App: send and receive money, spend with a card, save and invest in stocks and crypto, all in one app.
| App | Available to residents of |
| Wise | Most countries worldwide (see Wise’s country list) |
| Revolut | EEA, UK, US, Switzerland, Australia, New Zealand, Japan, Singapore, Brazil and more |
| PayPal | About 200 markets (not available in countries such as Pakistan, Bangladesh, Iran or Afghanistan) |
| Vivid Money | EEA |
| N26 | Around 24 European countries |
| Monese | UK and parts of the EEA |
| Wealthsimple | Canada |
Availability checked in September 2026 and subject to change. Check each provider’s website for your country.
Cash App alternatives for investing
If you’re looking for the investing side of Cash App, with stocks, ETFs and crypto, these international platforms are the best alternatives:
eToro
A global investing platform with over 40 million registered users, listed on Nasdaq (ETOR) since May 2025. It offers stocks, ETFs and crypto, plus social and copy trading, and is available in most countries, including the US. Read our eToro review.
Disclaimer: 52% of retail CFD accounts lose money.
Interactive Brokers
Founded in 1978 and listed on Nasdaq, IBKR is one of the world’s most trusted brokers, accepting clients from over 200 countries. It offers stocks, ETFs, options, futures, bonds and crypto on 160+ markets, with very low currency conversion fees. Read our Interactive Brokers review.
💡 For a simpler experience, IBKR GlobalTrader is a beginner-friendly mobile app for stocks, ETFs and options, with fractional shares.
DEGIRO
A low-cost European broker, part of flatexDEGIRO Bank SE (supervised by BaFin). ETFs from its Core Selection have no commission (a €1 handling fee applies), and you can also trade stocks, options, futures and bonds. Read our DEGIRO review.
Disclaimer: investing involves risk of loss.
Plus500
A multi-asset broker listed on the London Stock Exchange, offering commission-free CFDs on indices, forex, commodities, crypto, shares, options and ETFs, and real shares through Plus500 Invest in some countries. Read our Plus500 review.
Disclaimer: 81% of retail CFD accounts lose money.
Webull
A US-based broker offering commission-free stocks, ETFs and options on US markets, available in the US and several other countries. It also offers business accounts for companies.
Wealthsimple
For Canadians: commission-free Canadian and US stocks, crypto and a robo-advisor for automated investing.
| Platform | Accepts clients from |
| eToro | Most countries, including the US (not Canada, Japan or Russia) |
| Interactive Brokers | 200+ countries (exceptions apply) |
| DEGIRO | Most of Europe, including the UK |
| Plus500 | EEA, UK, Australia, Singapore, Switzerland and other countries (CFDs only in some countries) |
| Webull | US, UK, Australia, Singapore, Hong Kong, Japan and more |
| Wealthsimple | Canada |
Availability checked in September 2026 and subject to change. Plus500: 81% of retail CFD accounts lose money. eToro: 52% of retail CFD accounts lose money.
Bottom line
Cash App only works in the US: you can’t open an account from abroad, and you can’t send money between countries with it. If you already have an account, your Cash App Card works in most countries, but with a 3% foreign transaction fee unless you qualify for the waiver.
If you live outside the US, the best alternative depends on what you need:
- Paying people in your own country: your local instant payment app (such as MB WAY, Bizum, Pix or Interac).
- Sending money abroad: Wise, for its real exchange rate and low fees.
- An all-in-one money app: Revolut, or Wealthsimple in Canada.
- Investing: eToro or Interactive Brokers, both available in most countries.
This article is for information only and is not financial advice: do your own research on the services best suited to your needs.
Disclaimer: when investing, your capital is at risk and you may get back less than invested. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage.
FAQs
Can you send money to someone in a different country with Cash App?
No. Cash App doesn’t support international payments: both the sender and the recipient must have US Cash App accounts. To send money abroad, use a service such as Wise, Revolut or PayPal.
Can someone outside the US send me money on Cash App?
No. People outside the US can’t open a Cash App account, so they can’t send you money through it.
Can I use Cash App while traveling abroad?
You can use your Cash App Card for purchases and ATM withdrawals in most countries, with a 3% foreign transaction fee (waived for in-person purchases if you qualify). Sending and receiving payments doesn’t work outside the US.
Can US users send money to UK users?
No. Cash App stopped serving UK users on 15 September 2024, which ended payments between the two countries.
Can you send money from Cash App to Zelle or Venmo?
Not directly. You would need to cash out to your bank account first and then send the money through Zelle or Venmo.
Is Cash App available in the UK? 🇬🇧
No. Cash App closed in the UK in September 2024. Alternatives for UK users include Wise, Revolut and Monzo.
Is Cash App available in Canada? 🇨🇦
No. Alternatives for Canadians include Interac e-Transfer for local payments, Wealthsimple and Wise.
Is Cash App available in Australia? 🇦🇺
No. Alternatives for Australians include PayID for local payments, Wise and Revolut.
Is Cash App available in Mexico? 🇲🇽
No. Alternatives for Mexican users include CoDi for local payments, Wise and PayPal.
Is Cash App available in the Philippines? 🇵🇭
No. Alternatives for Filipino users include GCash and Maya for local payments, and Wise and PayPal for international transfers.
Is Cash App available in India? 🇮🇳
No. Alternatives for Indian users include UPI apps such as PhonePe and Google Pay for local payments, and Wise and PayPal for international transfers.
