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3 Best VPNs for Cash App in 2023 (Free & Paid)

With millions of active users and growing rapidly, Cash App has become the go-to mobile payments app for sending and receiving money instantly between friends and family. However, if you‘re an expat or traveler trying to use Cash App abroad, geo-restrictions can get in your way.

That‘s where a VPN comes to the rescue!

In this detailed guide, I‘ll show you the top 3 recommended VPNs for accessing Cash App from anywhere in 2023. I‘ll also dig into the benefits of using a VPN with Cash App, features to look for, and answer common questions to help you stay secure and private while transferring money on the go.

So if you‘re ready, let‘s dive in!

What Makes Cash App So Popular?

First things first, what exactly is Cash App and why is it so widely used compared to other money transfer apps like Venmo or PayPal?

Cash App is a peer-to-peer payment service developed by Square that enables users to send and receive money instantly with nothing more than a mobile phone number or email address.

Some standout features that contribute to Cash App‘s popularity include:

  • No transaction fees – Send or receive any amount of money completely free
  • Instant transfers – Money appears in seconds once sent
  • Debit card – Use the optional Cash Card for purchases or ATM access
  • Investing – Trade stocks and Bitcoin directly in the app
  • Direct deposit – Get paychecks deposited up to 2 days early

Cash App has amassed over 70 million annual active users as of 2022. It processed a staggering $965 billion of payments in 2021 alone, representing 140% year-over-year growth according to Square‘s latest shareholder letter.

With such fast growth and billions in transactions, Cash App has undoubtedly become a key player in the mobile payments space. But there are risks that come with dealing with money apps if proper security isn‘t used…

The Need for a VPN When Using Cash App

There are a few compelling reasons why using a VPN in conjunction with Cash App is a smart idea:


One major limitation is that Cash App only fully works in the United States and United Kingdom. So if you travel abroad or try to access Cash App from unsupported countries like Canada, Australia, China, etc, you‘ll quickly find it doesn‘t function properly.

You‘ll likely encounter frustrating error messages saying "Cash App is not available in your country" or features like adding money, withdrawing to a bank, or investing won‘t work. This is because Cash App implements geo-restrictions based on your IP location.

A VPN provides a simple and reliable workaround to this issue. By connecting through a VPN server based in the US or UK, you can virtually change your location and bypass the geo-blocks. This allows full access no matter where you physically are.

Security & Privacy

As with any financial app or service, using Cash App does entail risks around security and privacy. Consider:

  • Cash App can be targeted by hackers looking to steal money or personal data.
  • Your transactions could be monitored by spying eyes on public WiFi.
  • Cash App collects some personal info that you may not want exposed.

Now this isn‘t to say Cash App itself is inherently insecure. But any time you deal with money and payments it‘s smart to add an extra layer of protection.

This is exactly what a VPN provides for Cash App users through:

  • Encrypted connections – Prevent man-in-the-middle attacks by hackers
  • Changing your IP address – Mask your identity and location
  • No activity logs – Stop Cash App transaction tracking

Experts like Christian Seifert of Avast recommend using a VPN for banking and finance apps to better protect your connections.

Access Anywhere in the World

As mentioned, Cash App is geo-restricted primarily to the US and UK only. So when traveling you may find it doesn‘t work as expected when you truly need it.

This can be particularly stressful if you urgently need to send or receive money internationally. Situations like:

  • Needing to pay bills or rent back home
  • Covering travel costs and expenses
  • Receiving funds from clients or family

A VPN allows you to bypass geo-blocks and maintain access to Cash App no matter what country you‘re in. By connecting through a US or UK-based VPN server, Cash App thinks you‘re located there and will work smoothly.

Speed Up Slow Connections

In areas with slower internet speeds, using Cash App can be painfully sluggish or even time-out during transactions. This can obviously cause major problems when sending time-sensitive payments.

A VPN can provide faster and more reliable connection speeds by routing your traffic through the best pathways. Less congestion and fewer hops between nodes result in a smoother Cash App experience.

Top providers like NordVPN and ExpressVPN have large server networks strategically placed for optimal speeds. Connecting through them will let you enjoy using Cash App without delay no matter where you are.

3 Best VPNs for Cash App in 2023

Now that you know the critical reasons for using a VPN with Cash App, let‘s explore the top recommended options to secure your account and bypass geo-blocks starting in 2023:

1. NordVPN – Ideal for Cash App Access Worldwide

If you need to access Cash App from different international locations, NordVPN is a top choice that combines speed, security, and global server coverage.

Some key advantages:

  • Over 5,500 servers in 60 countries including 1,600+ US and 550 UK options
  • Fast speeds with NordLynx protocol for large file transfers or investments
  • Next-gen encryption (AES-256) with advanced security features like a kill switch, DNS leak protection, and split tunneling
  • Apps for all devices – Windows, Mac, iOS, Android, Linux
  • Strict no-logs policy to prevent Cash App transaction tracking

With NordVPN, you can connect from practically anywhere in the world and still use Cash App reliably with optimal privacy protections enabled.

Start using NordVPN today!

2. Surfshark – Best Bang for the Buck

Surfshark delivers impressive security and unlocking abilities for Cash App at an affordable $2.49/month price.

Key perks:

  • 800+ servers in over 60 countries to access Cash App globally
  • AES-256 encryption and support for IKEv2/WireGuard protocols
  • MultiHop feature routes your traffic through two VPN servers for enhanced privacy
  • CleanWeb ad and malware blocking
  • Unlimited device connections on a single account

For budget-focused users, Surfshark provides rock-solid encryption, speeds, and access to Cash App at a fraction of the cost of other VPNs.

Get Surfshark now!

3. ExpressVPN – Excellent Customer Support

While priced higher than other options, ExpressVPN delivers incredible speeds and reliability. Coupled with 24/7 live chat support, it‘s great for any Cash App connection issues.

Some useful aspects:

  • 3,000+ VPN servers optimally placed for fastest speeds
  • Trusted provider with outstanding reviews and ratings
  • 256-bit AES encryption and secure protocols (OpenVPN, L2TP/IPSec)
  • Helpful 24/7 customer service via chat or email
  • No activity or connection logs kept

Between its fast and stable connections and responsive support team, ExpressVPN is a wonderful VPN pick for using Cash App without any hiccups.

Try ExpressVPN risk-free today!

VPN Comparison Table

NordVPN5,500+60+$3.29/monthAES-256NordLynx, IKEv2/IPSecWindows, Mac, iOS, Android, Linux
Surfshark800+63$2.49/monthAES-256WireGuard, IKEv2Windows, Mac, iOS, Android, Linux
ExpressVPN3,000+94$8.32/monthAES-256OpenVPN, L2TP/IPSecWindows, Mac, iOS, Android, Linux

This gives you an at-a-glance comparison between these top 3 recommended VPNs for Cash App regarding servers, availability, pricing, and features.

What Makes the Best VPN for Cash App? Factors to Consider

While NordVPN, Surfshark, and ExpressVPN are excellent choices overall, you may have specific needs that make a different VPN better suited for accessing Cash App.

Here are some key factors to keep in mind while picking the right VPN for your requirements:

Server Locations

The number and location of VPN servers are important, as you‘ll want options in both the US and UK for bypassing geo-blocks on Cash App. More servers means less load and congestion for better speeds.

NordVPN leads here with over 1,600 US and 550 UK-based servers to switch between. Surfshark also provides ample choices.

Internet Speeds

Slow internet connections hugely impact the usability of Cash App for sending or buying stocks/Bitcoin quickly. A VPN that offers the fastest speeds will ensure smooth money transfers without annoying delays.

Try testing services like NordVPN and ExpressVPN that are known for delivering blazing fast internet thanks to large server networks and optimized protocols.

Security & Privacy

Top-notch security and privacy features are critical when dealing with sensitive financial transactions and data. Look for military-grade AES-256 encryption at a minimum, along with added protections like a kill switch, ad/malware blocking, and split tunneling.

Protocols like OpenVPN and WireGuard also enhance security. And a zero-logs policy prevents tracking of your Cash App activities.

Reliability & Support

You need your VPN connection to stay stable when using Cash App, without interruptions or losing access to the servers/locations you require. A provider with 99%+ uptime and quality 24/7 customer support provides peace of mind.

Cost Savings

While free VPNs seem nice, they often lack the speeds, features, and reliability needed for banking apps. But affordable paid options like Surfshark still offer great protection without breaking the bank. Even just $2-3 a month for a premium VPN that unblocks Cash App worldwide is worth it!

Device Support

Make sure to pick a VPN that offers apps for all of your devices – iOS, Android, Windows, etc. This ensures you can use Cash App with your VPN enabled on any phone, tablet, or computer.


Ease of use is key for hassle-free connections. The VPN should make changing locations or enabling encryption modes simple even for beginners. Clean and intuitive apps and interfaces allow you to focus on Cash App.

By evaluating VPNs across these criteria important for accessing Cash App remotely, you can zero in on the best fit.

Additional Ways a VPN Helps Beyond Cash App

One excellent benefit of investing in a quality VPN is that it provides you a wide range of other online privacy and unblocking abilities beyond just using Cash App.

Access Blocked Streaming Sites

Popular streaming platforms like US Netflix, Hulu, BBC iPlayer, and ESPN are often restricted outside certain countries. But VPNs easily bypass these blocks, allowing you to stream from anywhere.

For example, NordVPN and ExpressVPN will let you view US Netflix‘s full library while traveling or living abroad. Surfshark also reliably unblocks leading streaming sites worldwide.

Torrent Securely & Download Faster

VPNs are great for P2P activities like torrenting by hiding your IP address from prying eyes and speeding up downloads. You can grab files while guarding your privacy.

Surfshark has specialized P2P servers optimized specifically for torrenting security and speeds.

Bypass Internet Censorship

In countries with restrictive internet controls, certain sites or apps may be unavailable. Activating a VPN allows you to route your traffic through an uncensored server to access everything normally.

This means you can use Cash App or any restricted platform no matter the country.

WiFi Security

On open/public WiFi networks, it‘s easy for hackers to spy on your connections and steal data. A VPN prevents this by encrypting all activity, keeping you secure when mobile.

Online Gaming

A VPN can provide lower ping times by finding faster routes to game servers, improving your overall multiplayer experience. Helpful for competitive mobile or PC gaming.

FAQs About Using VPNs With Cash App

Is it illegal to use a VPN with Cash App?

No, there are no laws restricting the use of VPNs with Cash App, nor does it violate Cash App‘s terms. VPNs are fully legal to use in most regions for privacy and security. Just avoid free scam VPNs.

Can I get in trouble with Cash App for using a VPN?

Cash App does not prohibit accessing its service via VPN, so there are no risks of your account being banned or penalized just for using one. Millions of users take advantage of VPNs regularly with Cash App without issues.

Is my Cash App activity completely hidden with a VPN?

VPNs provide a significant boost to privacy by masking your IP address and encrypting connections. However, Cash App may still collect some personal usage data tied to your account itself. For optimal anonymity, use gift cards to fund your Cash App balance.

Do I need a VPN on my phone for Cash App?

Yes, the mobile apps for iOS and Android are the primary way most users interact with Cash App for sending money and other transactions. So installing your VPN‘s Android or iOS app protects your mobile Cash App activities.

Can I use free VPNs with Cash App safely?

We recommend avoiding free VPNs when dealing with financial apps because they often lack encryption, sell your data, and have unreliable connections. Premium services like NordVPN and Surfshark are affordable and much safer.

What VPN protocols are best for Cash App?

Modern protocols like WireGuard and NordLynx offer blazing speeds while still being highly secure, making them ideal for Cash App. OpenVPN is also trusted and reliable. But all recommended VPNs here use optimal protocols.

The Bottom Line

After learning the pitfalls of using Cash App internationally and how a VPN solves them, the choice is clear:

NordVPN stands out as the top VPN for accessing Cash App anywhere in 2023 thanks to its combination of lightning-fast speeds, robust security protections, and thousands of servers spanning over 60 countries.

However, don‘t count out Surfshark as a compelling budget option or ExpressVPN for its stellar customer support either. Both provide the necessary levels of privacy, access worldwide, and usability to take full advantage of Cash App.

No matter where you are or what device you‘re on, a premium VPN service enables you to get the most from Cash App while keeping your sensitive financial data safe. Don‘t let costly geo-restrictions get in the way – unlock the potential of this payment platform globally.

Did you find this guide helpful? Share it online or with friends and family also looking to use Cash App from abroad. Your support helps me provide more useful privacy and security tips!



Michael Reddy is a tech enthusiast, entertainment buff, and avid traveler who loves exploring Linux and sharing unique insights with readers.