I get asked this question a lot: “How do I find my Cash App routing number?” And the answer is simple — it’s in the app. But before I show you where, let me explain what it is and why you need it, because a lot of people use Cash App for months without ever needing this number, and then when they do need it, they’re lost.
Here’s the short version: your Cash App routing number is in the app under the “Money” or “Banking” tab. Tap “Account & Routing” and it’s right there. But you need an activated Cash Card to have a routing number. If you don’t have one, order it first. The rest of this article walks through what routing numbers are, why you need one, and how to use it for direct deposits.
What is a routing number (and why do you care)?
A routing number is a nine-digit code that identifies your bank. Every bank has one, and every account has a routing number. When someone sends you money — like your employer sending your paycheck — they need your routing number and your account number to know where to send it.
Cash App isn’t a bank, but it partners with banks (Sutton Bank and Lincoln Savings Bank) to give you a routing number and account number. That’s what lets you set up direct deposits. So if you want your paycheck, tax refund, or any other direct deposit to go to your Cash App balance instead of your regular bank account, you need your Cash App routing number.
The Cash App help page on routing numbers has the official instructions, but here’s the practical version.
How to find your routing number (step by step)
Step 1: Open Cash App. On your phone, open the app. You should see your balance on the home screen.
Step 2: Tap the “Money” or “Banking” tab. This is the icon that looks like a bank building, usually at the bottom left of the screen. If you see your balance in the middle, tap the amount itself — that opens the banking section.
Step 3: Look for “Account & Routing” or “Direct Deposit.” You should see an option that says “Account & Routing” or “Direct Deposit.” Tap it.
Step 4: View your numbers. Your routing number and account number will appear on the screen. You can tap to copy them, which is handy if you’re filling out a form on your computer.
That’s it. Four steps. If you don’t see those options, it means you don’t have an activated Cash Card yet. Keep reading.
What if you don’t have a Cash Card?
If you don’t have a Cash Card — or if you have one but haven’t activated it — you won’t see the routing number option. Cash App requires you to have an active Cash Card to get a routing number. It’s a security thing.
To get a Cash Card:
- Tap the Cash Card icon (the square card icon) on your home screen
- Tap “Get Cash Card”
- Enter your information and order the card
- Wait for it to arrive in the mail (usually 5-7 business days)
- When it arrives, activate it in the app by tapping the card icon and following the prompts
Once your Cash Card is activated, you’ll have access to your routing number. You don’t have to use the physical card — you just need it activated to unlock the routing number feature.
How to set up direct deposit
Once you have your routing number, you can set up direct deposit with your employer. Here’s how:
Option 1: Use the Cash App direct deposit form. In the app, go to the “Money” tab, tap “Direct Deposit,” then tap “Get Direct Deposit Form.” Fill out the form with your employer’s information, sign it, and email it directly from the app. Cash App sends it to your employer’s payroll department.
Option 2: Fill out your employer’s form. If your employer has their own direct deposit form, just fill it out with your Cash App routing number and account number. You’ll find both in the app as described above.
Option 3: Tell your employer verbally. Some employers just need you to tell them your routing and account numbers. Call your payroll department, give them the numbers, and they’ll set it up.
There are no fees for setting up direct deposit to your Cash App. It’s free, and the money usually arrives as soon as your employer processes payroll — sometimes even faster than a traditional bank account.
| What You Need | Where to Find It | What It’s For |
|---|---|---|
| Routing number | Money tab → Account & Routing | Identifies the bank (Sutton Bank or Lincoln Savings Bank) |
| Account number | Money tab → Account & Routing | Identifies your specific account |
| Cash Card (activated) | Order in app, activate when it arrives | Required to have a routing number |
Common problems and how to fix them
“I don’t see the Account & Routing option.” You don’t have an activated Cash Card. Order one in the app and activate it when it arrives.
“My employer says the routing number is wrong.” Cash App uses two different banks — Sutton Bank and Lincoln Savings Bank. Make sure you’re using the routing number that matches your account. If you’re not sure which bank you’re with, try both routing numbers. One will work.
“I set up direct deposit but the money isn’t showing up.” Direct deposits can take 1-2 pay cycles to start. Check with your employer to make sure they processed it correctly. If it’s been more than two pay cycles, contact Cash App support.
“I can’t find my account number.” It’s in the same place as your routing number — the “Account & Routing” section under the “Money” tab. If you still can’t find it, you don’t have an activated Cash Card.
The bottom line
Finding your Cash App routing number takes about 30 seconds. Open the app, tap the Money tab, tap Account & Routing, and there it is. If you don’t see it, order a Cash Card and activate it. Once you have the number, you can set up direct deposits, receive tax refunds, or do anything else that requires a routing number.
It’s not complicated. It’s just not obvious if you’ve never done it before. Now you know.
James writes about debt elimination, credit repair, and budgeting systems — the practical side of getting your finances in order. He paid off $38K in debt in 22 months and learned that most financial problems have simple solutions if you’re willing to do the work. This isn’t professional advice — it’s experience and research. If your situation is complex, talk to a qualified professional.