← Neobanks

Cash App is a peer-to-peer payments platform by Block Inc. offering P2P transfers, debit card, Bitcoin, and stock investing.

✦ Sentiment OverviewUpdated every month · Oct 15, 2026

Cash App maintains exceptionally strong customer sentiment at 4.8/5 across 13+ million ratings, with a near-ceiling NeoBase index of 93.6 (+0.2 week-over-week). Recent headlines reveal a split between investor optimism around Block's federal banking pivot and regulatory friction - a $45 million settlement against structural momentum narratives. The steady review baseline suggests customer experience remains insulated from compliance headwinds.

Sentiment index

our score · updated every month
93.6/100▲ +0.15 vs previous reading
025507510093.625 Jul1 Aug15 Aug15 Oct

Ratings across platforms

★ 4.8 · 13.3M · 3
Trustpilot
4.5★
28K ratings · 75% positive
Google Play
4.7★
4.5M ratings · 93% positive
100M+ installs
App Store
4.8★
8.8M ratings · 95% positive
Measured October 15, 2026

Where Cash App operates

2 markets
United States United Kingdom

Rating distribution

All platforms
5★
87% · 11.6M
4★
7% · 977K
3★
3% · 335K
2★
1% · 100K
1★
2% · 299K

Rating & review volume over time

Trustpilot · 4.5★Google Play · 4.7★App Store · 4.8★Review volume · 13.3M · +2.6%
1★2★3★4★5★12.9MJul '26Aug '26Aug '26Oct '26

Brand sentiment trend

positive sentiment, by platform
Trustpilot · 75%Google Play · 93%App Store · 95%
98%85%72%Jul '26Aug '26Aug '26Oct '26

Where Cash App's money came from and went

FY2025

Block, Inc. (Cash App, Square) · year ended December 31, 2025

Cost-to-income93.0%
Net margin5.4%
Biggest costCost of revenue57% of income
Biggest income lineTotal net revenue100% of income
Revenue year on year+0.3%vs FY2024
Costs year on year-3.1%vs FY2024
Operating leverage+3.4 pprevenue outgrew costs
Biggest cost moveCost of revenue-9%
Total net revenue: $24,194mCost of revenue: $13,834mProduct development: $2,908mSales and marketing: $2,273mGeneral and administrative: $1,998mTransaction, loan and receivable losses: $1,337mAmortisation of intangibles: $135.7mNet non-operating costs: $18.5mTax: $385.7mNet profit: $1,304mTotal inflows$24,194mTotal net revenue$24,194mCost of revenue$13,834mProduct development$2,908mSales and marketing$2,273mGeneral and administrative$1,998mTransaction, loan and receivable losses$1,337mAmortisation of intangibles$135.7mNet non-operating costs$18.5mTax$385.7mNet profit$1,304m
Income and profit keptCosts and tax
Show the figures as a table
Line itemDirectionAmount
Total net revenueIncome and profit kept$24,194m
Total inflows$24,194m
Cost of revenueCosts and tax$13,834m
Product developmentCosts and tax$2,908m
Sales and marketingCosts and tax$2,273m
General and administrativeCosts and tax$1,998m
Transaction, loan and receivable lossesCosts and tax$1,337m
Amortisation of intangiblesCosts and tax$135.7m
Net non-operating costsCosts and tax$18.5m
TaxCosts and tax$385.7m
Net profitKept$1,304m

Source: Form 10-K (SEC) · figures in millions, rounded · Compare with other fintechs

App screenshots

App Store
Cash App app screenshot 1Cash App app screenshot 2Cash App app screenshot 3Cash App app screenshot 4Cash App app screenshot 5Cash App app screenshot 6

In the media

brand coverage
forkast.news

Block Wants to Stop Acting Like a Giant Wallet and Start Acting Like a Bank

forkast.news · 1mo ago

The Cash App parent filed for an OCC national trust charter to custody bitcoin and stablecoins under federal preemption - joining a charter...

finance.yahoo.com

Block Makes a Federal Trust Bank Move That Could Reshape Its Fintech Model

finance.yahoo.com · 1mo ago

Block filed with the OCC to form Builders Bank & Trust, N.A., a national trust charter aimed at cutting sponsor-bank fees and unifying...

www.newsweek.com

Cash App Will Pay $45 Million in New Settlement: Here’s Who Qualifies

www.newsweek.com · 2mo ago

The settlement is to resolve allegations that the company misled users about fraud protections.

www.tradingview.com

Should You Stay Invested in Block Stock After Its Q2 Earnings Beat?

www.tradingview.com · 2mo ago

Block, Inc. XYZ has entered the second half of 2026 with stronger operating momentum, improving profitability and several growth initiatives...

builtin.com

Fintech Banking: 17 Fintech Banks and Neobanks to Know 2026

builtin.com · 2mo ago

Among the many services they offer, banks are first and foremost money depositories — convenient places to stash and retrieve cash.

Latest from social

LinkedIn & Facebook
Cash AppLinkedIn· 1w ago · Oct 9, 2026

Everyone has a reason they plan ahead. For Sean Lee, it's his family. Afterpay helped them spread eligible purchases into interest-free installments* Cash App keeps the rest of his financial routines moving: payments for side work, transfers between accounts, Round Ups adding to his savings, and chore money deposited on a managed Cash App Visa® Card that Sean's using to teach his 10-year-old how to save.** "Being able to split those payments up gave us that moment to breathe," says Sean, a husband and father in Cleveland, Tennessee. When his wife had to step away from work before surgery earlier this year, the family adjusted to one income while medical bills stacked up alongside the everyday ones. The same flexibility made room for the good moments too. After nearly a decade together, Sean and his wife finally had the Halloween wedding they'd talked about since they started dating, and Afterpay helped them book the honeymoon that followed. Sean’s story is a small window into something we think about a lot while building our products. Financial tools need to account for the moments you plan for, and the ones you can't. __ Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. Cash App Visa® Debit Flex Cards issued by Sutton Bank, Member FDIC, and The Bancorp Bank, N.A., pursuant to a license from Visa U.S.A. Inc. See terms and conditions for the Sutton prepaid card at cash[.]app/legal/us/en-us/card-agreement, for the Sutton debit flex card at cash[.]app/legal/us/en-us/debit-flex-card-agreement-sutton and for the Bancorp debit flex card at cash[.]app/legal/us/en-us/debit-flex-card-agreement-bancorp. Savings and Round Ups feature provided by Cash App, a Block Inc. brand *Afterpay is offered and managed through your Cash App account - no Afterpay account needed. Eligibility is based on several factors and is not guaranteed. Afterpay is not available in all states. Afterpay loans issued by First Electronic Bank, serviced by Square Capital, Inc. View state licenses. **Parents and legal guardians can open a managed account for kids 6-12. To view the eligibility requirements for sponsoring a teen or child, please visit the Sponsored Accounts section of the Cash App Terms of Service at cash[.]app/us/en/legal/tos#sponsored-accounts

♡ 19💬 1↻ 1
Cash AppLinkedIn· 2w ago · Oct 6, 2026

$40 hand-painted jeans out of a college dorm. Now a SoHo storefront. Here's how Sainabou Lowe built Sai by Sai, one smart money move at a time with Cash App and Afterpay. *† It started with a problem every college student knows: she needed a new outfit and didn't want to buy one. So Sainabou borrowed her roommate's paint and customized a pair of black jeans. When strangers started stopping her on the street to ask where she got them, her business instincts kicked in. Sainabou needed a fast, accessible way to get paid around campus. She turned to Cash App to make a side hustle into a full business. As Sai by Sai grew, so did the way Sainabou runs her money: → Cash App Business keeps her personal finances separate from the business: accepting customer payments at markets, pop-ups, and her SoHo boutique, and tracking every dollar in and out. → Cash App Pools‡ lets her and her fellow designers collect and manage shared expenses in one place everyone can see. "It just feels low maintenance and easier than having a bank account." → Afterpay helps her manage timing. She spreads out the upfront cost of inventory supplies, then sells the finished pieces so she can pay herself back. "It's like a little investment." The result: financial room for bigger ideas, including her five-year vision of an immersive space where art, fashion, and retail come together. Her advice to young creatives? "Just be open to trying things and also be open to failing." Read more about Sainabou's story below ↓ _____ Disclaimers *Cash App is a financial services platform, not a bank. Banking services provided by Cash App's bank partner(s). Pools provided by Cash App, a Block Inc. brand †Afterpay is offered and managed through your Cash App account - no Afterpay account needed. Eligibility is based on several factors and is not guaranteed. Afterpay is not available in all states. Afterpay loans issued by First Electronic Bank, serviced by Square Capital, Inc. View state licenses at sqcapitallicenses[.]com/us/en/legal/capital/capital-licenses ‡The use of pools is subject to the Cash App Terms of Service and Terms of Service for Pools Contributors (No Account).

♡ 27💬 1↻ 1

What people are saying

mentions on X, Reddit & Facebook

About Cash App

Cash App was launched in 2013 as Square Cash by Block Inc. (formerly Square). It has grown to become one of the most popular financial apps in the US, offering P2P payments, a debit card, Bitcoin trading, and fractional stock investing. It has over 50 million monthly active users.

Compare Cash App with similar neobanks

Ratings & sentiment aggregated from Trustpilot, Google Play and App Store - anonymised store metrics only, no individual reviews.

Spotted incorrect data on this page? Let us know.