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:
| Feature | Business Account | Personal Account |
|---|---|---|
| Fees | 2.75% per transaction | No fee for personal payments |
| Purpose | Selling goods/services | Sending and receiving money personally |
| Privacy | Transaction details may be visible | More private and secure |
| Support Access | Business-related customer support | General support |
| Tax Reporting | Business accounts may be subject to IRS | Not 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.
