how to cash out my stocks on cashapp guide

How to cash out my stocks on Cash App

how to cash out my stocks on cashapp — this guide explains what “cashing out” means on Cash App Investing, the in-app workflow to sell, how proceeds settle and move to usable cash, alternative options (like ACATS transfers), fees and tax implications, and common troubleshooting. If you’re wondering how to cash out my stocks on cashapp and get usable funds into your Cash App Balance, Cash Card, or bank, read on for clear, actionable steps and practical examples.

Background — What is Cash App Investing and how it holds assets

Cash App Investing is the investing feature inside Cash App that lets users buy and sell U.S.-listed stocks and ETFs. The investing service is provided by Cash App Investing LLC, a self-directed brokerage service. Cash App Investing uses a carrying or clearing broker to custody and execute securities—historically, Cash App has routed certain investing activity through third-party broker-dealers (for example, DriveWealth or similar clearing partners). The important point is the separation between your Investing account (where securities are recorded) and your Cash App Balance (a cash ledger used for payments and transfers).

• Your Investing account holds your stock and ETF positions. These securities are custodial assets of the brokerage.
• Your Cash App Balance is distinct: it is where settled cash lives and where you can use the Cash Card, send money, or withdraw to a bank.
• When you sell securities in the Investing account, proceeds typically move to your Cash App Balance once trade settlement and any internal processing are complete. Cash App’s policy may also include standing instructions to transfer free-credit balances from Investing to the Cash App Balance automatically.

As of 2026-01-15, according to Cash App Help Center, settlement and movement of proceeds follow standard brokerage rules and Cash App processing routines; always check the app’s up-to-date help articles for policy changes.

When and why you might cash out

People sell or “cash out” stocks on Cash App for several practical reasons:

• Realize gains or losses: lock in profit or limit loss.
• Reallocate or rebalance: move capital to other investments or strategies.
• Need liquidity: pay bills, withdraw to bank, or fund another service.
• Portfolio simplification: close small or fractional positions.

Timing matters. Market-hour considerations:

• Orders placed during market hours (regular U.S. trading hours) usually execute the same trading day, subject to order type and liquidity.
• Orders placed outside market hours (pre-market or after-hours) are queued and will execute when markets open (or during supported extended-hours sessions if the platform allows). Cash App’s execution rules for after-hours orders can vary; if you ask how to cash out my stocks on cashapp after hours, expect potential delays until the next eligible execution window.

Preparing to sell — requirements and limitations

Before you can successfully cash out, confirm these prerequisites and platform limitations:

• Ownership: you must own the shares or fractional holdings you intend to sell.
• Account verification: a verified Cash App Investing account (identity verification) may be required for trading and withdrawing.
• Settlement status: proceeds from prior sales must be settled before some withdrawal paths are available. Unsettled cash may be usable in limited ways but typically cannot be withdrawn to external banks until settlement completes.
• Sufficient holdings: if selling partial or fractional shares, ensure the dollar amount or fraction you enter does not exceed your position.
• Minimums and fractional behavior: Cash App supports fractional-share trading, usually allowing sales by dollar amount (for example, sell $50 worth) or by share fraction. Platform minimum sale amounts, if any, can change—check the app for the current policy.
• Day-trading and order restrictions: heavy intra-day trading may trigger account restrictions for pattern day trading under regulatory rules if margin or leverage is involved. Cash App Investing is primarily a cash brokerage offering; day-trading rules still apply if your activity meets regulatory thresholds.
• After-hours limitations: some order types may not be supported outside regular session times. If you want to know how to cash out my stocks on cashapp outside market hours, be prepared for queued execution and possible price variation.

Step-by-step: How to sell stocks in the Cash App (in-app workflow)

This sequence walks you through the typical in-app process to cash out stocks on Cash App:

1. Open the Cash App on your phone and unlock it using your PIN, Touch ID, or Face ID.
2. Tap the Investing or Stocks tab from the main navigation.
3. From your holdings list, select the stock or ETF you want to sell.
4. Tap Sell. (If you only see Trade, tap Trade then Sell.)
5. Choose whether to sell by dollar amount or by shares/fraction. You may also use preset amounts or enter a custom amount.
6. Select order specifics if available (for example, a limit price). Cash App primarily supports market orders for fast execution and may offer limited support for limit orders—confirm in the app.
7. Review the order: confirm quantity, estimated proceeds, and fees (if any) shown.
8. Confirm the sale using your PIN, Touch ID, or Face ID.
9. Submit the order. You’ll usually see an order confirmation screen.

After submission:

• The app may show proceeds as pending or unsettled until the trade clears.
• Once the sale settles (typically two business days), the funds are available in your Cash App Balance or follow Cash App’s internal transfer rules.

If your goal is specifically how to cash out my stocks on cashapp and move funds to a bank: after proceeds settle, use the Cash App Balance withdrawal option to transfer to your linked bank (standard ACH) or use an instant transfer option if you need funds faster and accept fees.

Order types, execution and partial/fractional shares

Understanding order types and fractional handling helps you control execution and expected proceeds:

• Market orders: execute at prevailing market prices as soon as possible. Good for fast sells but may suffer price slippage in volatile or thinly traded securities.
• Limit orders: specify the minimum price at which you’re willing to sell. Orders execute only at the limit price or better—useful for price control, but execution is not guaranteed.

Fractional shares:

• Cash App supports fractional-share trading. When selling, you can typically sell a dollar amount (for example, sell $25 of XYZ) or specify a fraction.
• Selling fractional holdings is supported as dollar-based or fractional-share based instructions. The app will convert your instruction into the appropriate trade with the clearing broker.
• Close-to-zero positions: if you attempt to sell nearly your entire position, the app may round and execute a full-position sale depending on internal rules. Small residual fractions may remain or be auto-sold per Cash App’s fractional handling policy.

Partial executions and liquidity:

• Low-liquidity or OTC securities can lead to partial fills, execution delays, or widened spreads. If you want to know how to cash out my stocks on cashapp that trade OTC or are illiquid, plan for potential delays and less favorable pricing.

Settlement: how long until you have usable cash

Trade settlement is the process that finalizes a trade and makes cash available for withdrawal. Key points:

• Standard settlement for U.S. equities is two business days after the trade date (T+2). That means if you sell on Monday (T), settlement finalizes by Wednesday (T+2), assuming no holidays.
• Until settlement, proceeds are usually listed as unsettled in the Investing account and may be subject to withdrawal restrictions.
• Cash App may automatically move settled proceeds from Investing to your Cash App Balance, depending on internal rules and your account settings. This transfer can be immediate after settlement or follow a short internal processing time.
• If you need funds before settlement, Cash App may let you use unsettled funds for certain in-app actions (for example, using the Cash Card for purchases). However, withdrawing unsettled proceeds to an external bank is typically not allowed until settlement completes.

Example timeline:

• Sell executed on Monday (during market hours) → settlement completes Wednesday (T+2) → funds appear as settled and usable in Cash App Balance shortly thereafter.

Where the proceeds go and how to withdraw

Default destinations and withdrawal methods:

• Cash App Balance: The most common place proceeds land after settlement is your Cash App Balance. From there you can: use the Cash Card for purchases, send money to friends, or withdraw to a linked bank.
• Cash Card: You can spend settled proceeds immediately with your Cash Card; some merchants may accept purchases funded by settled or unsettled balances—check app messaging.
• Bank transfer (ACH): Use the Cash App withdrawal feature to send settled funds to your linked bank account. Standard ACH withdrawals are typically free and take 1–3 business days.
• Instant transfer to debit card: Cash App offers instant withdrawals to a linked debit card for a fee. Fees and speed vary by region and the card network used; check the app for current instant-transfer fees.

Practical steps to withdraw to a bank:

1. Open Cash App and tap your Cash Balance.
2. Tap Cash Out (or similar wording).
3. Select Standard (free, takes 1–3 business days) or Instant (fee applies).
4. Confirm amount and complete security verification.

Always check the app for the current fee schedule for instant transfers. If you’re focused on how to cash out my stocks on cashapp and get funds instantly, expect a small fee; for routine needs, standard ACH is free but slower.

Transferring stocks to another broker (ACATS) instead of selling

If you prefer not to sell your whole-share holdings on Cash App, you can request an account transfer to move eligible whole shares to an external broker using ACATS (Automated Customer Account Transfer Service). Key points:

• ACATS transfers move whole-share positions between brokerages and preserve cost basis and holding history for tax reporting.
• Fractional shares generally cannot be transferred via ACATS. Fractional holdings typically remain in the original brokerage and must be sold if you want all value moved off-platform.
• Cash App has historically applied an outbound ACATS fee for full account transfers (a commonly cited fee is $75). Confirm the current fee in the app or help center before initiating a transfer.
• Transfer timeline: ACATS transfers usually take about 3–6 business days but can vary depending on the receiving broker and the complexity of the transfer.
• Required info: to initiate an ACATS you’ll need receiving brokerage account details and may need to fill a transfer initiation form in the receiving broker’s interface.

Considerations:

• If your goal is how to cash out my stocks on cashapp by moving holdings to another broker, ACATS moves securities rather than cash. You would only have cash at the receiving broker after you sell the transferred shares there.
• For whole-share preservation and consolidated tax records, ACATS is the preferred path compared with selling then transferring cash.

Selling delisted or OTC shares

When a stock you hold is delisted from a major exchange or begins trading over-the-counter (OTC), special rules and risks apply:

• Cash App’s support for selling delisted or OTC shares can be limited. The platform may still allow sales, but execution could occur on OTC marketplaces or through internal auditing processes that introduce delays.
• OTC trading risks: low liquidity, wide bid-ask spreads, and price uncertainty. These risks can lead to partial fills, significant price slippage, or unusual execution delays.
• Batching and review: delisted stocks may be batched for review, and sales may be processed in grouped transactions, delaying settlement and proceeds availability.
• Regulatory fees: certain SEC or transaction assessment fees may apply depending on the trade and the clearing environment.

If you need to cash out a delisted or OTC holding, check in-app notices and contact Cash App support for guidance—expect longer timelines and potentially less favorable pricing.

Fees, taxes, and regulatory considerations

Fees you may encounter when cashing out stocks on Cash App:

• Trading commissions: Cash App typically offers commission-free trading for listed stocks and ETFs; however, regulatory fees may still apply.
• SEC and TAF fees: sell-side regulatory fees charged by regulators can apply on some sells and are often small (cents per transaction depending on trade volume). These are collected at settlement and shown on your trade confirmation.
• Withdrawal fees: standard bank ACH withdrawals are usually free; instant withdrawals carry a fee (percentage or flat amount depending on Cash App’s current policy).
• Transfer fees: outbound ACATS transfers historically carried a fee (e.g., $75). Confirm the current fee in the app.

Tax implications:

• Selling stocks is a taxable event. You realize capital gains or losses equal to the difference between sale proceeds and your cost basis.
• Short-term vs long-term: holdings held one year or less typically generate short-term capital gains taxed at ordinary income rates; holdings held more than one year are generally eligible for long-term capital gains rates.
• Wash sale rules: if you sell at a loss and purchase substantially identical securities within 30 days, wash sale rules may disallow the immediate realization of the loss for tax purposes.
• Recordkeeping: save trade confirmations and year-end statements—these are needed for tax reporting.

We are not providing tax advice. Consult a qualified tax professional for guidance on your personal situation.

Common problems and troubleshooting

Typical issues when attempting to cash out and suggested steps:

• Cannot submit a sell order:
  • Check market hours—orders placed outside of supported windows may be queued.
  • Confirm account verification and that you actually hold the shares.
• Order shows as pending for a long time:
  • For OTC or low-liquidity securities, execution may be delayed or batched.
  • Check if you placed a limit order with an unachievable price.
• Proceeds not available to withdraw:
  • Settlement time (T+2) may not be complete. Wait for the settlement date.
  • Confirm whether Cash App has moved proceeds to Cash App Balance; sometimes internal processing adds a short delay.
• Mismatch in transfer or ACATS problems:
  • Verify receiving broker account info and ensure you requested a full-share transfer (fractionals may not transfer).
  • Contact Cash App support with the transfer request ID if the transfer stalls.

What to check in the app:

• Open orders and trade confirmations.
• Account verification status.
• Notifications or in-app messages related to the trade.
• Transaction history showing executed trades and settlement dates.

If problems persist, reach out to Cash App support via the in-app support flow and provide trade confirmations, timestamps, and screenshots where helpful.

Security and best practices

Protecting your account and funds is essential when you cash out stocks on Cash App:

• Enable PIN and biometric security: require PIN, Touch ID, or Face ID for trading and transfers.
• Review confirmations: always verify trade confirmations and settlement notices.
• Keep contact and bank info current: ensure linked bank and contact details are accurate before initiating withdrawals or transfers.
• Verify receiving broker details for ACATS: a wrong account number can delay or misroute transfers.
• Reconcile records: save trade confirmations and monthly/year-end statements for tax and audit purposes.
• Prefer official channels for sensitive changes: update account settings and bank details only inside the Cash App and verify help-center instructions when in doubt.

When interacting with wallets or Web3 services, consider using Bitget Wallet as a recommended, secure wallet option if you explore broader trading or custody needs beyond Cash App’s investing ecosystem.

Example scenarios

Scenario 1 — Sell a $50 fractional share and move proceeds to bank via standard ACH:

• You own $50 of an ETF as a fractional share.
• In-app: Investing → select ETF → Sell → choose $50 → confirm.
• Trade executes during market hours; settlement completes in T+2.
• After settlement, proceeds appear in Cash App Balance; initiate Cash Out → Standard to move to your linked bank (1–3 business days).

Scenario 2 — Sell full position and use Cash Card for purchases while proceeds are unsettled:

• You sell your entire position on Monday. The trade executes but settles on Wednesday (T+2).
• Cash App may display unsettled proceeds in Investing and may allow purchases with the Cash Card depending on internal rules.
• For external bank withdrawals, wait for settlement.

Scenario 3 — Initiate ACATS to move whole shares to a full-service broker:

• You want to transfer whole shares to a traditional broker to access margin or advanced order types.
• Initiate an ACATS transfer from the receiving broker, specifying your Cash App account as the delivering broker and requesting whole-share transfers.
• Pay the outbound fee (verify current fee in the app). Expect 3–6 business days for completion. Fractional shares will typically be left behind and must be sold.

These examples show practical differences: selling converts to cash (subject to settlement); ACATS conserves securities but moves them to another brokerage where you must then sell to obtain cash.

Frequently asked questions (FAQ)

Q: Can I sell after hours? A: You can place sell orders outside normal market hours, but execution depends on Cash App’s supported trading windows. Many after-hours orders will execute when markets open or during designated extended-hours sessions if supported.

Q: How soon will funds be available after I sell? A: Trades typically settle in two business days (T+2). After settlement, proceeds become usable in your Cash App Balance subject to any internal processing rules.

Q: What happens to fractional shares on transfer? A: Fractional shares usually cannot be moved via ACATS. They generally remain with the original broker and must be sold to convert to cash.

Q: Are there minimum sale amounts? A: Cash App supports fractional-share sales by dollar amount. Any platform minimums can change; check the app for current minimums or restrictions.

Q: Who do I contact for support? A: Use the in-app Cash App Support flow to report issues. Provide transaction IDs, screenshots, and timestamps to speed resolution.

References and official resources

• Cash App Help Center — Selling Stock (check in-app Help for the latest guidance).
• Cash App Help Center — Understanding Your Cash App Investing Account (account structure and settlement details).
• Cash App Help Center — Transferring Stocks via ACATS (procedures for outbound transfers and fees).
• Cash App Help Center — OTC or Delisted Securities Guidance (procedures and limitations when selling delisted/OTC shares).

截至 2026-01-15，据 Cash App Help Center 报道，平台规则、费用和支持的流程可能随时更新；请在使用前查看 Cash App 内的最新帮助文章以确认当前条款。

Legal and disclosure notes

Cash App Investing is a self-directed brokerage service. This article explains operational steps and common considerations but does not constitute investment advice, tax advice, or a recommendation to buy or sell any securities. Selling stocks may have tax consequences. Broker policies, fees, and regulatory rules can change; consult Cash App’s current disclosures and a qualified tax professional for personalized guidance.

Further exploration: If you want custody or trading options beyond Cash App’s feature set, consider exploring Bitget’s exchange and Bitget Wallet for broader trading tools and secure wallet options. Explore Bitget features and Bitget Wallet to learn how they differ from in-app brokerage services.

Final notes and next steps

If your primary question is how to cash out my stocks on cashapp, the essential steps are: sell your shares in the Investing tab, wait for trade execution, allow T+2 settlement, then move settled proceeds from Cash App Balance to your bank or spend with your Cash Card. For whole-share preservation, ACATS transfers move eligible positions to another broker but usually leave fractional shares behind.

Want help with the next step? Open Cash App, check your holdings, and follow the in-app Sell workflow to start. For account-specific issues, use Cash App Support. To learn about alternative custody or trading tools, explore Bitget and Bitget Wallet for advanced exchange features and secure wallet options.