Zelle’s App Is Wrapping Up—Here’s What to do Next
If you’ve been using Zelle’s standalone app to split brunch, cover the group tab, or send cash to family, heads up: the app is retiring on June 30, 2025. You should still have access to Zelle through your banking app, but if you’re using the Zelle app independently, you’re gonna need to find something else. Actually, we already found that something else for you.
Meet Cash App.
It does what Zelle does—and then goes full superhero mode. We’re talking instant money transfers, a free* debit card with built-in discounts (called, Offers), savings tools, investing, and even Bitcoin. All in one sleek, easy-to-use app.
If you’re ready for a money app that goes beyond the basics, here’s why Cash App might just become your new go-to.
Send Money in Seconds with Cash App—Then Do More With It
Cash App makes paying friends or getting paid simple. Once you download the mobile app and sign up, all you gotta do is link your bank or debit card, then you can send money by searching someone’s $Cashtag, phone number, or email. It’s super quick, totally free, and honestly clutch for stuff like splitting rent or chipping in for a group gift last minute.
Where does it really shine? It’s what happens after the money moves. Cash App helps you save, earn, and invest—all in one place, no app-hopping required.
Cash App Does More Than Peer-to-Peer Transfers
Zelle’s bread and butter is simple, bank-to-bank transfers. Cash App offers that—and then stacks on a full ecosystem of financial tools.
Here are a few of our favorite things that you get with Cash App:
- Get Paid Early
Direct deposit your paycheck and it could hit your account up to two days ahead of schedule. - Free* Debit Card
Choose a sleek black or white card for free—or upgrade to a special theme like “Tortoise” ($5) or metal version ($50) for a little extra flair. - Instant Discounts (aka Offers)
Activate Offers in the app and get instant savings on things like coffee, lunch, streaming services, and more. - 4% Interest on Savings
When you set up $300 or more in direct deposit, you’ll unlock high-yield savings tools with customizable goals—and up to 4% interest. - Overdraft Protection
With qualifying direct deposits, you can get up to $200 in overdraft coverage when you need a little buffer. - Investing + Bitcoin
Cash App lets you buy and sell fractional shares of stock, ETFs, or Bitcoin—all without leaving the app (or wearing a suit).
Basically, it’s like having a digital wallet, debit card, savings feature, and investing platform—all rolled into one.
Cash App Security Features
Your money’s got backup. Cash App takes security seriously—like, Fort-Knox-meets-smartphone seriously. Here’s how they keep things locked down:
- Advanced encryption and fraud detection
- Real-time alerts for logins and transactions
- Instantly lock or unlock your card in the app
- Optional Face ID + PIN (because your face is the password now)
- 24/7 fraud monitoring, with location-based protection
- ID verification to help keep the community safe
Whether you’re on Wi-Fi or mobile data, your info’s encrypted and locked up tight—so you can send, spend, and save without the stress.
How Does Cash App Stack Up Against Zelle?
Wondering how Cash App compares to what you’re used to with Zelle? Here’s the side-by-side breakdown. Spoiler: Cash App checks a lot more boxes.
| Feature | Zelle (Bank App Only) | Cash App |
|---|---|---|
| P2P Transfers | ✅ | ✅ |
| Standalone App Access | ❌ (ending June 30, 2025) | ✅ |
| Savings Tools | ❌ | ✅ (up to 4% interest with eligibility) |
| Debit Card | ❌ | ✅ (Cash App Card + Offers) |
| Instant Discounts | ❌ | ✅ (Offers on dining, shopping) |
| Direct Deposit | ❌ | ✅ |
| Investing | ❌ | ✅ (Stocks + Bitcoin) |
| Overdraft Protection | ❌ | ✅ (Up to $200 with eligibility) |
| Security Features | Varies by bank | ✅ 24/7 monitoring + encryption |
Bottom Line: It’s Time to Upgrade to Cash App
Zelle’s app is heading out, which makes now the perfect time to rethink how you move—and manage—your money. Cash App gives you the basics (fast, easy payments), then cranks things up with savings, investing, a debit card, and instant discounts that actually make spending kinda fun.
Those offers? Yeah, they’re the real deal.
From splitting the dinner bill to stacking interest on your savings, Cash App’s got you covered—no monthly fees, no fine print, no stress.
Ready for a glow-up? Download Cash App for free and see what your money’s been missing.
Disclosures:
*Black and white card options are free.
Cash App is a financial services platform, not a bank. Banking services provided by Cash App’s bank partner(s). See cash.app for more details. Prepaid debit cards issued by Sutton Bank, Member FDIC. See Terms and Conditions. Cash App waives ATM fees for all in-network withdrawals every month you have at least $300 direct deposited into your Cash balance. Direct deposit, instant discounts, and Offers provided by Cash App, a Block, Inc. brand. Tax Filing Preparation services are provided by Cash App Taxes, Inc. All Rights Reserved
Cash App will pass through a portion of the interest paid on your savings balance held in an account for the benefit of Cash App customers at Wells Fargo Bank, N.A., Member FDIC. To earn the highest interest rate on your Cash App savings balance, you need to be 18 or older, have a Cash App Card, and direct deposit at least $300 monthly into Cash App. Sponsored Accounts are not eligible to earn interest. Other exceptions may also apply. Savings yield rate is subject to change.
Brokerage services by Cash App Investing LLC, member FINRA and SIPC, subsidiary of Block, Inc. See our BrokerCheck. Bitcoin services provided by Block, Inc. Cash App Investing does not trade bitcoin and Block, Inc. is not a member of FINRA or SIPC. For additional information, see the Bitcoin and Cash App Investing disclosures. Investing and purchasing Bitcoin involves risk and you may lose money. Fractional shares may involve additional risks. Fractional shares are not transferable. For a complete explanation of conditions, restrictions and limitations associated with fractional shares see our Cash App Investing Customer Account Agreement. Additional fees for securities may apply such as regulatory fees and fees to transfer securities externally. Please see our House Rules for more information.
