You’ve been using Cash App for some time. Everything is going great… until you discover that your account was somehow closed. Perhaps you decided to close the account yourself one day because you weren’t using this service much, but now you’ve changed your mind.
When Cash App accounts are closed or banned, you should still have the option to log into your profile. You can’t do anything once you’re there, like send or receive money, but you can contact customer support to see what is happening.
Most responses tend to be automated, but you can request the reasons why you had your account closed. If you receive actions to take, go through the effort of doing them so that you qualify for restoration.
When you close an account voluntarily, you can open it again with a few simple steps.
How to Reopen a Closed Cash App Account
Cash App includes a provision in its terms and conditions that allows it to close accounts at its own discretion. Some people voluntarily close their profiles, but decide they want to come back to the app. When this happens, users need to reopen it to access their funds. A customer service request solves this issue.
Some accounts were created using a different phone number or email address on Cash App. If you’ve had to change either data point, you’ll need to sign into your profile using the information associated with the initial signup process.
You can accomplish that outcome by taking the following steps.
- Tap the profile icon located on the Cash App home screen.
- Sign out of the current account in the app.
- Enter the phone number or email address associated with the account you prefer to access.
- Follow the on-screen prompts. You’ll receive a code to verify before the credentials are accepted, and you can log into the account.
Those steps work well if you have an old account that wasn’t previously closed. If your Cash App is locked, you’ll have some extra steps to follow before regaining access to it.
These steps work when your Cash App account has restrictions for safety precautions. You’re verifying your identity while reopening everything, which complies with the terms and conditions outlined in the account agreement.
If Cash App closes your account for violations of their rules, the experience could be a little different.
Why Did Cash App Close My Account?
If your Cash App account closure wasn’t voluntary, it might not be possible to reopen it. The outcomes often depend on the reasons why it was decided to stop your financial activities on this platform.
Although Cash App has the power to close accounts at their discretion, this issue typically occurs for one or more of the following reasons.
Failed to Follow the Terms of Use
When you violate the Cash App terms and conditions, whether it is done purposefully or accidentally, you’ll typically receive an account ban. That means your account gets deleted, and steps are taken to prevent you from using the platform any further.
Common violations that fit into this category include conducting fraudulent activity on the app, not being old enough to use it, or trying to initiate transactions outside an authorized area.
Your account can also get banned if you refuse to verify your identity.
Forgot the Login Information
When you forget your Cash App credentials, the platform will stop access to the account to protect your identity and money.
The best way to reopen an account in this situation is to request a reset. Once you’ve verified your details, you should be able to get back into your account.
Unlawful Gambling Activities
Anyone found to be using Cash App to participate in illegal gambling activities is subject to having their account banned. This issue happens to American users frequently because the laws surrounding online gaming are stringent. You can only play at legally registered casinos that receive state oversight.
If you play games for real money at casinos licensed in Curacao or another overseas location, you’re more likely to receive an account ban.
Before connecting your Cash App to your online gambling accounts, please remember to read through the terms of service for both platforms carefully to avoid this scenario.
Constant Limit Maxing
If you send and receive money at the maximum limits each week and month, these activities could be seen as suspicious. Anyone who hasn’t verified their identity at this point could see the platform decide to ban their account for safety or legal reasons.
This issue involves the KYC (Know Your Customer) and AML (Anti-Money Laundering) laws found in the United States and various countries. Institutions handling large cash transfers must verify that their clients are using these funds for appropriate activities. The goal is to prevent money from going into the hands of criminals and terrorists.
Ongoing Negative Balance
Users who purposely go into an overdraft status without using the platform’s Borrow feature could experience account closure.
Although you generally cannot go into a negative balance status, some transaction registers only request if an account is positive before authorizing a transaction. You’re getting purchases on credit.
You can also go into the negative if someone sends you money on Cash App, then disputes the transaction. If you have already spent the funds and the request is deemed to be valid, you’ll go into the red.
If you go to a negative balance and pay it off consistently, there shouldn’t be any issues with your access. When it becomes a regular habit that you don’t correct, the account gets locked or banned.
Invalid P2P Requests or Payments
If the platform thinks you’re getting payments that don’t belong to you as a result of fraudulent activities or an active scam, you can lose account access and your funds.
This issue occurs when active users report you. The AI algorithms automatically detect suspicious payments and flag them for review.
All financial businesses must comply with strict laws regarding money requests and usage. The system isn’t perfect, so it is possible for some accounts to get caught up in the mix without doing anything suspicious.
In this situation, you might need to report your circumstances to local law enforcement or consumer’s rights organizations to ensure that you can at least get your money back.
Improper Location Request
The terms and conditions of Cash App clearly state that members must be residents of the United States or the United Kingdom to participate.
These two countries are also the only ones where Cash App is available for use. If you’re trying to open an account from any other location using a VPN and false information, or someone else’s identity, your profile will likely be closed as soon as those circumstances are discovered.
That means that you’ll likely lose all the funds that you had in your account.
Using a Personal Account for Business Purposes
You can have two Cash App accounts. One is meant for personal transactions, while the other is intended for business purposes. The terms and conditions allow users to have both active simultaneously.
What you’re not permitted to do is use a personal account to conduct business transactions. You cannot accept payments for goods or services through this mechanism.
Each transaction has a code associated with it. That makes it easy for Cash App to recognize the purpose behind each payment. When a violation is suspected, your account gets locked until an investigation is completed.
Created an Improper $Cashtag
Cash App has a specific stipulation in its terms and conditions that users agree to follow when creating an account.
“You can select a unique username for Cash App, which will be your $Cashtag. If you choose one that is deceptive or confusing, we reserve the right to change it or stop the account from sending and receiving funds.”
The $Cashtag is a unique identifier. It ties directly to your Cash App account, allowing people to send money to you.
Choosing a username that is intended to mislead or could create confusion allows the platform to change it. If a suitable one isn’t available, the entire account could be deactivated.
Can I Take Money Out of My Cash App?
If your Cash App gets closed or banned, you can still use your login credentials to access whatever funds remain. You can sell the Bitcoin you’ve purchased and withdraw the proceeds from that activity.
The process is the same as it is for those who aren’t dealing with an account closure issue.
If you encounter any problems with this service, don’t hesitate to get in touch with the support section for help in Cash App. One of their representatives can take you through the processes needed to get your money returned.
Can I Open a New Account If I Closed My Previous One?
When a Cash App account cannot be reponed, users have the option of opening a new one. The profile must have a bank and a mobile number linked to it. Sign out of the existing account, scroll to the sign-in page, and use a different email address and number to create a new profile.
A closed Cash App account is a minor inconvenience. When you have a different email and phone number to use, creating a new one will typically solve your access problems.
This issue becomes problematic if you only have one mobile number. You’d need to change your phone number with your carrier to resolve this issue, so it isn’t always a simple fix.
I had this problem in reverse. Someone started calling me out of the blue one day, asking for an attorney named Wanda. At first, I thought it was kind of funny since the caller’s business involved selling fish, but getting six voicemails per day was getting on my nerves.
One day, I finally picked up the phone, told the caller that I wasn’t Wanda, and hung up. That made things even worse.
I called my carrier and explained the situation. The representative agreed to change my mobile number without a fee. That stopped all the calls for Wanda.
Then I realized that I no longer had access to my Cash App. After taking steps to update the information, I was able to regain control of my account. I don’t think it would have been as easy if it had been banned.
If you cannot reopen a previous account, the easiest way to stay on Cash App is to start a new profile. It might take some effort, but it’s worth the investment because of the convenience this option offers.
