how can i get my stock money from cash app

How to Get Your Stock Money from Cash App

Short answer: sell your shares to move proceeds into your Cash App Balance, then withdraw to a bank or debit card — or initiate an ACATS transfer to move eligible whole shares to another broker. Below we cover the exact steps, expected timelines, fees, limits, protections, and troubleshooting.

Within the first 100 words, here's the direct help for the question: how can i get my stock money from cash app. This article walks you through the user intent behind that question—either turning an investing position into spendable cash in your Cash App Balance, withdrawing that cash to a bank or debit card, or transferring securities to a different brokerage — and shows practical steps, expected timing, and common pitfalls.

截至 2026-01-15，据 Cash App 官方支持页面 报道，Cash App Investing 的出金和证券转移流程以将卖出所得自动发送到 Cash App Balance 为常规路径，个别转移（如 ACATS）则有特定的表单与时限要求。

Overview of Cash App Investing and Fund Flow

Cash App Investing connects a user-facing app balance (Cash App Balance) with a brokerage relationship maintained through a carrying broker (historically DriveWealth and other regulated clearing firms). Understanding this two-part structure helps answer how can i get my stock money from cash app in practical terms:

• Cash App Investing is a brokerage service inside the Cash App environment. Securities are custodied/cleared by the carrying broker on behalf of Cash App users. This means your stocks are held with the broker, not directly in the Cash App Balance account.
• The Cash App Balance is a separate custodial-like account used for peer payments, card spending, and transfers. It is not a brokerage account.
• Cash App operates a “zero-balance” flow for investing: when you sell securities, proceeds are routed to your Cash App Balance once the sale settles (subject to settlement timing and internal processing). That is the standard way money moves from a sold position back into spendable cash within Cash App.

Knowing this flow clarifies choices: you can (1) sell shares and wait for proceeds to land in Cash App Balance, (2) use the balance directly (spend or transfer), or (3) move the actual securities to another broker using ACATS if you prefer to keep positions intact.

Method 1 — Sell Shares and Use the Proceeds

Selling shares inside the app is the most direct way to get money from an investment position into spendable cash.

How to sell stocks in the app

1. Open Cash App and tap the Investing (Stocks) tab.
2. Locate the stock or ETF you hold. Tap the holding to open details.
3. Tap “Sell”. Choose whether to sell by dollar amount or by number of shares. (Cash App supports fractional shares for purchases; selling may allow partial fractional sales depending on holdings.)
4. Review order details. Confirm the price type (market order vs. limit if available) and expected execution.
5. Confirm using your PIN or biometric authentication.

Note: You can place sell orders outside market hours, but execution happens during market hours (see “Trading outside market hours” below).

When the proceeds appear

• Execution: Orders placed during market hours normally execute quickly if liquidity exists. Outside market hours, orders may queue and execute once markets open.
• Settlement: After execution, trades must settle. For most equities, settlement follows T+2 (trade date plus two business days) rules, though Cash App’s internal guidance indicates proceeds may be available sooner for transfer into the Cash App Balance depending on activity and internal processing. Cash App notes that sale proceeds may take up to 1–2 business days to move to your Cash App Balance depending on activity.
• Automatic move to Cash App Balance: Cash App’s standing instruction typically moves settled sale proceeds into your Cash App Balance automatically — this is the standard path for how can i get my stock money from cash app when you choose to sell.

Fees and regulatory charges on sell orders

• Commission: Cash App Investing advertises no commission on standard equity trades.
• Regulatory and exchange fees: While Cash App does not charge commissions, regulatory fees (for example, small fees required by regulators or exchanges) may be passed through on certain sell trades; these are disclosed on the trade confirmation before you finalize the sale.
• Order types: Using limit orders or off-hours order handling can affect execution price but not typically add a commission.

Method 2 — Move Money Out of Cash App Balance

Once proceeds are in your Cash App Balance, you have multiple ways to access or move that money.

Standard bank withdrawal (ACH)

• How: In the Cash App, tap the Banking or Cash Balance section, choose “Withdraw” or “Cash Out”, select your linked bank account, and initiate a standard transfer.
• Timing: Standard ACH transfers typically take 1–3 business days to reach your bank account. Timing depends on your bank’s ACH processing times and weekends/holidays.
• Cost: Standard transfers are generally free from Cash App.

Instant withdrawals to debit card

• How: Choose the Instant transfer option and select an eligible Visa or Mastercard debit card linked to your account.
• Timing: Instant withdrawals are near-immediate, providing funds to your debit card quickly (often within minutes).
• Cost: Cash App may charge a small instant withdrawal fee (a percentage or fixed amount). The fee is shown before you confirm the transfer.

Use with Cash Card or spend directly

• Cash Card: If you have the Cash Card (a debit card tied to your Cash App Balance), you can spend proceeds immediately at merchants or ATM withdrawals (ATM operator fees and network fees may apply).
• Peer transfers: You can send funds to other Cash App users instantly.
• Reinvest: Use your balance to buy additional stocks or other in-app products.

These options answer parts of the question how can i get my stock money from cash app by showing how funds move from sold positions into spendable or transferable cash.

Method 3 — Transfer Securities to Another Broker (ACATS)

If you want to keep positions rather than sell them — for example to consolidate accounts or use different brokerage features — you may transfer holdings to another broker using ACATS.

When you’d use ACATS

• Consolidation: Move holdings from Cash App Investing to a preferred brokerage to manage all positions in one place.
• Different feature set: You may prefer different order types, margin options, research tools, or fees at the receiving broker.
• Tax or account structuring reasons: Transferring positions can preserve tax lots and avoid realizing gains/losses at the time of a transfer (subject to rules).

Process and required information

• Initiation: The receiving broker initiates the ACATS (Automated Customer Account Transfer Service) transfer on your behalf.
• Account details: The receiving broker will request your Cash App Investing account number and account registration details (name, SSN or tax ID, account type) to ensure records match exactly.
• Forms: Complete any transfer forms required by the receiving broker. The form must match the account registration on Cash App Investing.
• Communication: The carrying broker (Cash App’s broker) and the receiving broker coordinate the transfer through ACATS.

Limits, fractional shares, timeline, and fees

• Whole vs. fractional shares: ACATS transfers typically move eligible whole shares. Fractional shares commonly held in Cash App Investing may not transfer via ACATS and are often required to be sold before initiating an outbound transfer. This is a key limitation to keep in mind if you hold fractional positions.
• Timeline: Typical ACATS transfer completion ranges from 3–6 business days after initiation, depending on the complexity of the transfer and responsiveness of both brokers.
• Fees: Cash App documentation notes an outbound ACATS (full broker-to-broker transfer) fee (for example, a $75 debit may apply for outbound transfers). The receiving broker may also charge incoming transfer fees or partial transfer fees. Confirm fees with both brokers before initiating the transfer.

Understanding ACATS is critical for users asking how can i get my stock money from cash app when their goal is to move positions rather than sell them.

Special Cases and Limitations

Certain situations affect how and when you can convert securities to cash or move shares off Cash App Investing.

Trading outside market hours and order timing

• Order placement: Cash App allows order placement 24/7, but actual execution occurs during market hours (regular trading sessions) unless the order type explicitly supports extended hours and liquidity exists.
• Pending orders: Orders placed outside market hours will usually execute when the market reopens. You may cancel pending orders before they execute if the app permits.
• Impact on proceeds timing: If you place a sell order outside hours, proceeds will not appear until execution and settlement complete, which delays when you can access cash.

Delisted/OTC securities

• Selling delisted stocks: If a security is delisted from a major exchange, Cash App may support selling it over-the-counter (OTC) in certain cases, but liquidity is limited and execution can be delayed. There may be additional risks and fees.
• Extra steps: Cash App may require additional handling for delisted or restricted securities. Contact support if you hold such instruments.

Inability to sell or transfer

Common reasons sales or transfers may fail include:

• Open or unsettled orders on the same position.
• Account verification issues or mismatched personal details between brokers for ACATS.
• Restrictions placed on an account for compliance or regulatory review.
• Fractional shares blocking a full ACATS transfer.

If you cannot sell or transfer, review app notifications and trade confirmations, verify account details, ensure there are no pending corporate actions, and contact support.

Taxes, Statements, and Recordkeeping

Selling positions or transferring assets has recordkeeping and potential tax consequences.

Tax implications of selling stocks

• Capital gains and losses: Selling stock creates a taxable event in many jurisdictions. You may realize short-term or long-term capital gains or losses depending on how long you held the position.
• Consult a professional: Tax situations vary. Consult a tax advisor or accountant for guidance tailored to your circumstances.

Trade confirmations and monthly statements

• Trade confirmations: After each sale or purchase, Cash App provides trade confirmations showing execution price, number of shares, fees, and any regulatory charges. Save these for records.
• Monthly statements: Cash App supplies monthly account statements and a consolidated 1099 (or local equivalent) for tax reporting when applicable. Access these documents within the app’s tax or statements section.

Maintaining clean records answers part of how can i get my stock money from cash app responsibly and helps with accurate tax reporting.

Protections, Guarantees, and Insurance

Understanding protections on cash vs. securities clarifies the security of funds moved after selling.

SIPC and FDIC distinctions

• Securities protection (SIPC): Cash App’s brokerage services operate through a carrying broker that is a member of SIPC. SIPC protection covers missing securities and cash held by the brokerage up to applicable limits if the broker fails — it does not protect against market losses.
• Cash balance (FDIC pass-through): The Cash App Balance itself is not SIPC-protected. Under certain conditions, Cash App may provide FDIC pass-through insurance on balances that are swept to partner banks. Check Cash App’s current disclosures to confirm whether your balance is eligible for FDIC pass-through coverage and the applicable limits.

Security features and contacting support

• Security: Cash App includes device PINs, biometric authentication (Face ID/Touch ID), two-factor-like protections, and fraud monitoring.
• Contacting support: Use in-app support chat or the official Cash App support channels. If a sale, withdrawal, or transfer is delayed, gather trade confirmations and timestamps before contacting support to speed resolution.

Troubleshooting and Frequently Asked Questions

“Why haven’t I received proceeds yet?”

Checklist:

• Was the sell order executed during or after market hours? Execution timing affects availability.
• Was the order partially filled or pending? Partial fills or queued orders delay full proceeds.
• Has the trade settled? Settlement and internal processing can add 1–2 business days.
• Are there app notifications about holds, compliance reviews, or restrictions?
• If unexplained, contact Cash App support with the trade confirmation and timestamps.

“Can I transfer fractional shares?”

Generally, ACATS transfers move eligible whole shares. Fractional shares commonly must be sold before initiating an outbound transfer. If you hold fractional shares, plan to sell them and move cash proceeds or consolidate positions into whole shares before a transfer.

“How long does it take to get money to my bank?”

• Selling to proceeds: Execution can be immediate in market hours, but settlement and internal movement into Cash App Balance may take 1–2 business days in typical cases.
• ACH standard withdrawal: 1–3 business days.
• Instant withdrawal: Minutes, subject to fees.
• ACATS transfers (moving securities): 3–6 business days for standard transfers, potentially longer if account details or paperwork require correction.

These timelines summarize the full path for how can i get my stock money from cash app depending on the method you choose.

Practical Step-by-Step Examples

Example A — Sell a holding and transfer to bank (simple flow)

1. You own 10 shares of Company X in Cash App Investing.
2. Open Investing tab → select Company X → tap Sell. Choose sell amount: 10 shares.
3. Confirm trade with PIN/biometric. The order executes during market hours.
4. After execution, wait for settlement and Cash App internal processing. Cash App typically moves proceeds to Cash App Balance within 1–2 business days.
5. Open Banking/Cash Out → select bank account → choose standard transfer. Initiate. Expect funds in 1–3 business days.

Total expected time from sell to bank deposit: roughly 2–5 business days in typical scenarios (execution + settlement/internal move + ACH timing).

Example B — Move holdings to another broker (ACATS)

1. Open an account with your chosen broker (for web3 or exchange functions, consider Bitget and Bitget Wallet for custody or trading needs).
2. At the receiving broker, request an ACATS transfer and provide your Cash App Investing account details exactly as registered.
3. Complete any required forms and authorize the receiving broker to initiate the transfer.
4. The receiving broker and Cash App’s carrying broker coordinate via ACATS. Whole shares eligible for transfer move; fractional shares usually must be sold first.
5. Expect transfer completion in about 3–6 business days. Confirm fees (Cash App may debit an outbound transfer fee like $75) and check with the receiving broker about any incoming fees.

This flow lets you keep positions intact in many situations and avoids realizing gains/losses that would occur from selling (subject to broker and tax rules).

References and Further Reading

截至 2026-01-15，据 Cash App 官方支持页面 报道，以下官方文档说明了卖出、资金流向和 ACATS 转移的流程与常见问题。建议查看 Cash App Investing 的“sell stock”说明、资金提现（Cash Out）帮助页、以及关于转移证券（ACATS）的支持文章以获取最新细节和表单要求。

来源提示：查阅 Cash App 的帮助中心和你接收方券商的转入说明，确认费用、所需表单、以及是否支持接收分拆/OTC证券等特殊情况。

为更广泛的资产管理或跨平台需求，考虑使用受监管的托管与交易平台。若你需要支持 Web3 钱包或去中心化功能，可优先查看 Bitget Wallet 与 Bitget 平台的托管与转账文档。

最后提示：税务问题复杂且因人而异；出售证券或转移资产前，请与税务或财务专业人士核对影响。

进一步探索 — 如果你希望在一个受监管的平台上集中管理资产或需要更多高级交易工具，考虑了解 Bitget 的产品和 Bitget Wallet 的托管功能以便更好地整合交易与资金流动体验。