Cash App terms change
Terms of Service change — September 9, 2026
The Terms of Service for Cash App have been updated to clarify identity verification processes and account functionalities. Notably, the clause regarding the verification of identity now includes third-party verification services and specifies that a Restricted Account may remain limited unless identity is verified. Additionally, the language around upgrading accounts and verifying information has been broadened to include third-party services.
What this means for you. Users may need to provide more personal information for identity verification, including potentially using third-party services.
What actually changed
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Changed. The clause now omits 'First Electronic Bank', simplifying the reference to banking partners.
We verify your identity on our own behalf and to facilitate certain of our partners, including our banking partners, in meeting their own obligations.
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Added. Cash App may now use third-party services to obtain and verify users' identification information.
We may also obtain, verify, and supplement your Account Information – including by retrieving additional identification information, as disclosed in our Privacy Notice, such as your social security number or taxpayer identification number – from third-party verification services.
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Changed. The definition of a Restricted Account now specifies that it may remain limited unless identity verification is successful.
which is a limited functionality account, unless we are able to verify your identity when you open your Account.
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Changed. The process for upgrading accounts now includes the possibility of using third-party verification services.
We may also obtain and verify identity information about you, including through third-party verification services, consistent with our Privacy Notice.
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Changed. The verification process for account information now explicitly mentions third-party databases and services.
or obtaining and verifying your information through third-party databases or verification services, consistent with our Privacy Notice.
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Changed. Users are informed that even after identity verification, access to all services is not guaranteed.
Verifying your identity does not guarantee access to all Services.
The wording
Exact excerpts from the last snapshot compared with the new one.
Was We verify your identity on our own behalf and to facilitate certain of our partners, including First Electronic Bank and our other banking partners, in meeting their own obligations.
Now We verify your identity on our own behalf and to facilitate certain of our partners, including our banking partners, in meeting their own obligations.
Added We may also obtain, verify, and supplement your Account Information – including by retrieving additional identification information, as disclosed in our Privacy Notice, such as your social security number or taxpayer identification number – from third-party verification services.
Was Restricted AccountWhen you first open your Account, it will be a “Restricted Account”, a limited functionality account.
Now Restricted AccountWhen you first open your Account, it will be a “Restricted Account”, which is a limited functionality account, unless we are able to verify your identity when you open your Account.
Was To access additional functions and features, you must upgrade your Account to a Prepaid Account or a Debit Flex Account. To upgrade your Account, you will need to provide us with certain personal information so that we can verify your identity. After we verify your identity, your Restricted Account will be converted to a Prepaid Account or Debit Flex Account, depending on what you choose.b.
Now To access additional functions and features, you will need to upgrade your account. To upgrade your Account, you may need to provide us with certain personal information so that we can verify your identity. We may also obtain and verify identity information about you, including through third-party verification services, consistent with our Privacy Notice. After we verify your identity, your Restricted Account may be…
Was This may include asking you for further information or documentation about your Account usage or identity, requiring you to take steps to confirm ownership of your email address, mobile phone number or financial instruments, or verifying your information against third party databases or through other sources.
Now This may include asking you for further information or documentation about your Account usage or identity, requiring you to take steps to confirm ownership of your email address, mobile phone number or financial instruments, or obtaining and verifying your information through third-party databases or verification services, consistent with our Privacy Notice.
Was In addition, we reserve the right to downgrade your Account type to a Restricted Account or suspend or terminate the Account or access to certain Services of anyone who provides inaccurate, untrue, or incomplete information.The first time you access your Account using a new device we may require you to authenticate your Account with additional information.
Now In addition, we reserve the right to downgrade your Account type to a Restricted Account or suspend or terminate the Account or access to certain Services of anyone who provides inaccurate, untrue, or incomplete information. Verifying your identity does not guarantee access to all Services. We may require additional or updated information, documentation, or verification steps – including information you provide direc…
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