Cash App: Mobile Banking
apps.apple.comSummary
Cash App is a mobile financial services platform that allows users to send, receive, save, and invest money. It offers features like peer-to-peer payments, a customizable debit card, early direct deposit, and commission-free trading in stocks and bitcoin, along with various savings and security features.
Features12/12
See allMust Have
5 of 5
Instant P2P Transfers
Prepaid Debit Card (Cash App Card)
Early Direct Deposit
Commission-Free Stock Trading
Bitcoin Trading
Other
7 of 7
Fraud Monitoring & Security
High-Yield Savings
Round-Up Savings
Pay Over Time (Afterpay)
Instant Discounts & Offers
Customizable Card Designs
ATM Access & Fee Reimbursement
PricingFreemium
See allStandard Free Features
- Instant P2P Transfers (from Cash balance or linked debit card)
- Prepaid Debit Card (Cash App Card)
- Early Direct Deposit
- Commission-Free Stock Trading
- Bitcoin Trading (with transparent fees)
- Fraud Monitoring & Security
- Round-Up Savings
- Pay Over Time (Afterpay)
- Instant Discounts & Offers
- Customizable Card Designs (black or white)
- Basic Savings (1.5% APY)
- 3% fee for sending money from a linked credit card
- 0.5%-1.75% fee for instant deposits/cash outs
- ATM withdrawal fees apply unless direct depositing $300+ monthly
- Lower APY on savings (1.5%)
- Overdraft coverage up to $50 (requires qualification)
Direct Deposit Benefits
- All Standard Free Features
- Waived ATM withdrawal fees (at least one out-of-network fee reimbursement per month)
- Higher-Yield Savings (up to 4.5% APY)
- Get paid in bitcoin by setting up direct deposits for bitcoin investments
- Requires monthly direct deposit of $300 or more
Rationale
The candidate is Cash App itself, and the provided content from the App Store and Cash App's official website clearly states and details all the features listed in the concept's feature list. This includes instant P2P transfers, a customizable prepaid debit card, early direct deposit, commission-free stock and bitcoin trading, fraud monitoring, savings with interest, round-up savings, pay over time (Afterpay), instant discounts, customizable card designs, and ATM access with fee reimbursement.
