Cash App and Zelle are both peer-to-peer (P2P) payment platforms that allow users to send and receive money to and from others. However, there are a few key differences between the two.

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Cash App and Zelle Comparison

Cash App is a mobile app that is primarily used to make P2P payments, but it also allows users to buy and sell stocks, as well as purchase Bitcoin. The app also has a feature called "Cash Boost" that allows users to save money on their purchases at certain retailers.

Zelle, on the other hand, is a P2P payment service that is integrated into the mobile banking apps of many US banks and credit unions, including Bank of America, Capital One, and Wells Fargo. This means that users can send and receive money through Zelle without having to download a separate app. However, Zelle does not offer any additional services like Cash App's stock trading or Bitcoin purchasing.

Overall, both Cash App and Zelle are convenient ways to send and receive money, but Cash App offers more features than Zelle.

Ease of Use

When it comes to ease of use, Cash App is the clear winner. The app is designed with simplicity in mind and doesn’t require you to have a bank account. All you need is a debit card and an email address or phone number.

Zelle, on the other hand, is a bit more complicated. While the service is integrated into the apps of over 100 banks and credit unions, each one has its own process for sending and receiving money. This can make Zelle a bit confusing to use, especially if you’re not familiar with your bank’s app.

Cash App vs Zelle
Send, Receive, Bank and Invest with Cash App.


Both Cash App and Zelle charge fees for certain transactions. Cash App charges a fee of 3% for all credit card payments and 1.5% for instant deposits.

Zelle doesn’t charge any fees if you use your bank’s app to send money. However, some banks may charge their own fees for using Zelle.

Zelle vs Cash App
Pay 0 fees when sending or receiving USD with Zelle.


When it comes to security, both Cash App and Zelle are equally safe. Both apps use encryption to protect your personal information and require you to verify your identity before you can send or receive money.

However, Cash App does have an extra layer of security with its PIN code feature.

Final Thoughts

Overall, both Cash App and Zelle are great options for sending and receiving money. However, if you’re looking for an app that offers more features, such as stock trading or cryptocurrency purchasing, then Cash App is the better choice. For those don’t need any extras and just want a simple way to send and receive money, then Zelle may be the right choice.