How to Change Cash App from Business to Personal Account

If you mistakenly set up your Cash App as a Business account or no longer need its business features, switching back to a Personal account is simple—but not obvious. This guide walks you through everything you need to know, step by step.

What’s the Difference Between Cash App Business and Personal Accounts?

Before changing account types, it’s helpful to understand the distinction:

FeatureBusiness AccountPersonal Account
Fees2.75% per transactionNo fee for personal payments
PurposeSelling goods/servicesSending and receiving money personally
PrivacyTransaction details may be visibleMore private and secure
Support AccessBusiness-related customer supportGeneral support
Tax ReportingBusiness accounts may be subject to IRSNot reported for casual users

If you don’t sell goods or services regularly, you’re better off using a Personal account to avoid unnecessary fees.

Can You Switch from Business to Personal on Cash App?

Yes—but there’s no direct button in the app to toggle between Business and Personal. You’ll need to contact Cash App support to request the change.

Step-by-Step: How to Change Your Cash App from Business to Personal

Here’s how to make the switch smoothly:

1. Open Cash App

Launch the Cash App on your phone and ensure you’re logged into the correct account.

2. Go to Profile Settings

  • Tap your profile icon (top right corner on iOS or top left on Android).
  • Scroll down and tap Support or “Something Else”.

3. Contact Support

  • In the support menu, select “Account Settings” or “Business Account”.
  • Then tap “Contact Support” or “Chat” (depending on availability).
  • Explain: “I mistakenly set up a Business account. I would like to switch back to a Personal account.”

4. Wait for Confirmation

Cash App’s support team will review your request. They may ask for verification, such as your full name, email, or last four digits of the card linked to your account.

5. Receive Update

Once the change is approved, you’ll be notified via email or app notification. Your account will now function as a Personal account, and transaction fees will no longer apply.

Important Notes Before Switching

  • There is no self-service option. Only Cash App’s support team can make this change.
  • If you previously received business payments, ensure you’ve resolved any tax obligations or reporting responsibilities.
  • Refunds or disputes should be resolved before switching to avoid issues.

Sample Message You Can Send to Support

Here’s a ready-to-use message for contacting Cash App support:

“Hi, I accidentally created a Business account on Cash App, but I only use it for personal transactions. Please help me switch my account from Business to Personal. Thank you!”

Why People Switch Back to Personal Accounts

  • To avoid transaction fees
  • No longer running a business
  • Mistakenly set up the wrong account
  • Simpler privacy for peer-to-peer payments

Can You Have Both a Personal and Business Account?

Cash App currently does not allow two accounts under the same email/phone number. You can:

  • Create a second account using a different email and phone number, or
  • Switch between account types by contacting support (as explained above)

Tips to Optimize Your Personal Account After Switching

  • Enable Security Lock: Adds a layer of biometric or PIN protection.
  • Link a Bank Account: Makes transfers faster and more secure.
  • Use Cash App Card: Lets you spend your balance like a debit card.

FAQs

Can I switch back to Business again later?

Yes, by contacting support. However, switching frequently is discouraged and may flag your account.

Will I get a refund for business transaction fees?

No. Fees already charged are non-refundable.

How long does the switch take?

Usually within 24–48 hours, depending on support availability.

Will I lose my Cash App history or balance?

No. Your funds and transaction history remain intact.

Final Thoughts

Changing your Cash App from Business to Personal is a one-time request that needs manual support, but it’s entirely doable. Whether you signed up incorrectly or closed your business, switching ensures you’re not hit with unnecessary fees and complications.

Be clear, concise, and polite when contacting support, and you’ll have your account updated in no time.

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