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How to Change Cash App from Business to Personal

Last Updated Jan 13, 2023
cash app business personal account

The popular payment service Cash App offers business accounts to its users. Business accounts have no weekly or monthly spending or receiving limits. This can be very practical at times, depending on your payment needs.

Despite the practicality, the Cash App business account has associated fees. Every time you accept a payment in Cash App with a business account, you will have to pay a 2.5% transaction fee. If you wish to avoid this, you can change your Cash App back to a personal account. Let’s take a look at how you can achieve this from your smartphone or other mobile device.

Be Aware of Your Options

Before you change your account, you should make sure you are ready to proceed. A personal account has weekly and monthly sending and receiving limits. If you have an unverified account, you can send up to $250 a week and receive up to $1,000.

If you have a verified account, you can send up to $7,500 weekly and receive as much as you want. A business account has no limits whatsoever. The main difference between a business and a personal account is that you have to pay a transaction fee with the business option.

Check out all the benefits the business account gets you, and then make sure the personal account suits your needs. The personal account has almost no fees other than the 1.5% you will need to pay if you want to make instant transfers.

Open the App

Once you are ready to change your business account to a personal one, the first thing you should do is open the app on your phone. If you haven’t already, log in with your credentials. This will lead you to the homepage of your account in Cash App.

There, you will see various options, including an overview of your transactions. When you’re there, you can proceed to the next step in the process.

Go to the Personal Tab

From your homepage, go ahead and tap on your profile picture. You will find this on the top left of the screen. This will open a new menu, where you will see various options, including  ‘personal,’ ‘privacy and security’, and ‘notifications.’

Tap on the ‘personal’ tab. In this new menu, you will find another set of options. Scroll to the one that says ‘change account type from business to personal’ and tap on it. This will allow you to easily change your Cash App from business to personal.

Confirm the Change

After tapping on ‘change account from business to personal,’ you will be asked to do a safety check to confirm this change. Depending on your phone security settings, you will either have to scan your fingerprint or your face ID or enter your PIN.

This step of the process is the confirmation that you want to go through this change, so make sure you are certain before proceeding. Once you’ve confirmed this change, your account will switch to personal.

Check that the Change Has Happened

After confirming the change from business to personal on Cash App, you should check that this has taken effect. Return to the homepage of the app, then go to your profile by tapping on the profile picture. You will then see what type of account you have.

You should also receive an email informing you that your account has changed from business to personal. From this point on, you will be able to enjoy all the benefits associated with a personal account, and you will no longer have access to the perks of a business account.

Contact Customer Support

If you are experiencing any issues with any part of this process, you should contact customer support. This will be necessary, especially if you don’t remember your login details or your confirmation PIN.

You can also contact the Cash App customer support if you want more information about what this change will entail and how to go through the process. If you want to keep this quick and easy, you can put a request to change from business to personal into the app.

To do so, open the Cash App and go to your profile from the top left of the screen. Scroll to ‘support.’ The support menu will open with a range of options you can choose from. Tap on ‘something else,’ which will give you access to a dropdown menu. You’ll find an option called ‘can’t access old account.’

Once you tap on that, you will be able to submit a query to the support team. Let them know that you no longer have access to your PIN and that you want to get your business account changed to a personal one.

The support team will then process your details and change your account. They will email you once the change has gone through.

Conclusion

You may want to change your Cash App business account to a personal account if the business one no longer suits your needs. This quick and easy process can be done through the app on your phone. If you’ve forgotten your PIN, you will be able to submit a request to the support team.