Cash App review

Cash App is not an expense tracker, but it solves one common splitting problem well: collecting money up front. Its pools feature lets one person start a pool to collect money with friends for a group trip or a gift, and Cash App's terms include a contributor path for people without an account, except New York residents. Sending money to friends and family is free, with no monthly or hidden fees for either side, by phone number, email or $cashtag, and activity tracking shows how much you and each friend have sent each other. Security Lock asks for your face, fingerprint or PIN before money leaves. What Cash App does not do is keep an itemized ledger of who paid for what, so roommates splitting many bills will want Splitwise or Tricount for tracking and Cash App only for the final payment.

Who it is for

US friends who collect money for a trip or gift

Price

Free to send to friends and family.

You can send money to friends and family for free with Cash App.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• Pools to collect money with friends for group trips and gifts
• Send by phone number, email or $cashtag
• Activity tracking of what you and your friends have sent each other
• Security Lock requires face, fingerprint or PIN to send
• Afterpay to pay over time for recent payments to friends

Strengths and weaknesses

• Strength: No monthly or hidden fees to send money, for you or the recipient
• Strength: Pool contributors outside New York can chip in without an account, under the pools terms
• Strength: 59 million+ active accounts, according to Cash App
• Weakness: No itemized expense tracking or running group balances
• Weakness: No documented multi-currency support for trips abroad
• Weakness: Pools collect money to one organizer rather than splitting who owes whom

Key facts

• Sending fee: Free
• Group feature: Pools
• Active accounts: 59 million+ (vendor figure)
• Monthly fee to send: None

Where it ranks

Cash App is No. 9 in our Best Expense Sharing Apps verdict.