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Best VPN for Cash App: Access Cash App Safely & Securely in 2023

If you're not in the U.S. or the U.K., you’ll need a VPN to create and access a Cash App account. With scammers always on the prowl, using Cash App without a VPN can be dangerous. In this post, you'll discover the six best VPNs for Cash App.

Wisdom Sablah
By Wisdom Sablah (Writer)
— Last Updated: 2023-05-09T14:32:35+00:00 Facts checked by Jasna Mishevska

Cash App is a handy peer-to-peer payment service that allows you to send, receive and invest money on your mobile phone. Unfortunately, the app only works in the U.S. and U.K., so you’ll need the best VPN for Cash App if you’re not in either of those countries. 

Key Takeaways:

  • Cash App only works in the U.K. and the U.S., so you’ll need a VPN if you want to access the platform from other countries.
  • A VPN can spoof your location, giving you an IP address from either the U.K or the U.S.
  • ExpressVPN is the best VPN for Cash App, due to its impressive server network, lightning-fast speeds and robust security features.
  • NordVPN’s security features make it an excellent alternative, but if you want cheaper options, go for PIA, Surfshark or CyberGhost.

A virtual private network (VPN) can spoof your location and change your IP address, allowing you to unblock Cash App and enjoy all its features as if you’re in the U.S. or U.K. In addition, VPNs encrypt and anonymize your internet traffic so that scammers can’t compromise your Cash App account. In this post, you’ll learn about the best Cash App VPNs. 

What Makes the Best Cash App VPN? 

We examined several Cash App VPNs based on their VPN server network, security features and ease of use. PureVPN and PrivateVPN made a pretty good showing, but they couldn’t make it into the top six. Here are the VPNs that made the cut:

  1. ExpressVPN — Excellent Cash App VPN with robust security features 
  2. NordVPN — Overall best VPN for Cash App 
  3. Private Internet Access — Affordable Cash App VPN with dedicated IP addresses 
  4. Surfshark — Budget-friendly Cash App VPN
  5. CyberGhost — Customizable VPN for Cash App
  6. IPVanish — VPN for Cash App with multiple protocol options 

To access Cash App, you need an IP address from the U.S. or the U.K. The best Cash App VPNs leave you spoiled for choice because of their impressive server count and spread in the U.S. and the U.K. In addition, a Cash VPN should have a strict no-logs policy and an array of features to hide your IP address, including a kill switch and DNS leak protection

Security features are also a no-brainer. Besides the standard AES-256 encryption, the best Cash App VPNs have a variety of protocols to give you a fine mix of speed and security. OpenVPN is the standard, but top-tier VPNs offer the WireGuard protocol or a proprietary version.

Finally, for Cash App, you need a VPN that’s easy to use, especially if you’re new to VPNs. Since Cash App is a mobile app, look for VPNs that have a simple, organized and intuitive interface on Android and iOS. Also, a good Cash App VPN should allow you to access the app on multiple devices simultaneously.

  • ExpressVPN is the best VPN for Cash App because of its extensive server network in the U.S. and the U.K. and its robust security features. It’s also the fastest VPN and the best VPN for online banking.

  • Cash App is unavailable in Nigeria, so you’ll need a VPN to create a Cash App account and transfer money using the platform. ExpressVPN is the best VPN for Cash App, thanks to its concentration of servers in the U.S. and the U.K. as well as its excellent security features.

  • Currently, Cash App works only in the U.S. and the U.K. However, if you want to open Cash App outside those locations, you’ll need a solid virtual private network (VPN) to help you get past the geoblocks. So, if you’re looking for the best VPN for Cash App, choose ExpressVPN.

  • If Cash App doesn’t work in your country, you can use a VPN to create an account and send and receive money. A reliable VPN can change your IP address, allowing you to enjoy Cash App as though you were in the U.S. or the U.K.

Top VPNs for Cash App

  1. 1
    • : PayPal, Credit card, Bitcoin, PaymentWall
    • : 5
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  2. 2
    • : PayPal, Credit card, Google Pay, AmazonPay, ACH Transfer, Cash
    • : 6
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  3. 3
    • : PayPal, Credit card
    • : Unlimited
    • :
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    Visit Private Internet AccessReview
  4. 4
    • : PayPal, Credit card
    • : Unlimited
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  5. 5
    • : PayPal, Credit card, bitcoin, Amazon Pay
    • : 7
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  6. 6
    • : PayPal, Credit card, Google Pay, Amazon Pay
    • : Unlimited
    • :
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The 6 Best VPNs for Cash App 

In this section, we dig deep into each of our six Cash App VPNs to discover what makes each of them a good choice. Let’s start with our winner, ExpressVPN.

1. ExpressVPN

expressvpn connect usa
ExpressVPN is an excellent Cash App VPN with robust security features. 

More details about ExpressVPN:


  • Excellent security features
  • Lightway protocol
  • The fastest VPN provider


  • Expensive

In many of our reviews, NordVPN and ExpressVPN slug it out for the first position, but ExpressVPN has the edge here, thanks to its numerous server locations in the U.S. and a handful in the U.K. In addition, its servers come with obfuscation, ensuring that neither Cash App nor your internet service provider (ISP) can detect your VPN use.    

From a security standpoint, ExpressVPN scores top marks. You get all the key features, including AES-256 and ChaCha20 encryption, perfect forward secrecy, a kill switch called Network Lock and multiple VPN protocols. That’s why it’s the best VPN for online banking. It also sits as the best VPN for Android and the top VPN pick for iPhone

Enjoy Instant Transfers With ExpressVPN’s Fast Speeds

All VPNs slow down your connection, but if your internet connection is too slow, your Cash App transactions can fail or take forever to load. Fortunately, ExpressVPN is blazing fast. When we tested VPN speeds, ExpressVPN posted impressive download and upload speeds, claiming the best fast VPN spot. If you want consistently fast speeds, switch to ExpressVPN’s Lightway protocol

expressvpn home page
ExpressVPN’s plan comes with a 30-day money-back guarantee.

ExpressVPN’s biggest drawback is that it’s expensive, especially on the monthly plan. However, you can save a bit with the one-year plan. Each plan comes with a 30-day money-back guarantee

2. NordVPN

NordVPN app portugal
NordVPN is our best VPN for accessing Cash App.

More details about NordVPN:

  • Pricing: $3.49 per month
  • Provider website:


  • Double VPN servers
  • NordLynx protocol
  • Dedicated IP address


  • Expensive monthly plan

Just like ExpressVPN, NordVPN has a slew of servers in the U.S. and the U.K., although the number of server locations in those countries is slightly lower. Overall, you should have no problem getting a U.S. or U.K. IP address for your Cash App transactions.

In terms of security and privacy features, NordVPN packs a punch. You get an automatic kill switch and leak protection to hide your IP address. There’s also a double VPN feature to add an extra layer of encryption to your internet traffic. As the best VPN with a dedicated IP address, NordVPN saves you from annoying verification requests, although it comes at a fee.

Avoid Scams With NordVPN’s Threat Protection Feature

Cash App scammers often try to outwit unsuspecting users by directing them to fake Cash App sites. NordVPN’s latest feature, “threat protection,” helps you avoid such phishing scams as seen in our NordVPN review. It alerts you when you visit a malicious site and keeps ads at bay. The good news is that threat protection works even if you’re not connected to a VPN server. 

NordVPN homepage
NordVPN often has discounts on its homepage.

NordVPN’s monthly plan is expensive, but you can save money if you opt for the two-year plan. All plans come with a 30-day money-back guarantee.

3. Private Internet Access

PIA Android app
PIA has several servers in the U.S. for unblocking Cash App.

More details about PIA:


  • Affordable pricing
  • WireGuard protocol
  • Dedicated IP address


  • Inconsistent upload speeds

PIA snags the third spot on this list, thanks to an impressive server collection and robust security features. Although PIA has servers in 84 countries, most of them are concentrated in the U.S., making the VPN provider a good option for getting a Cash App IP address. 

In addition, PIA comes with a dedicated IP address (at an extra charge) to ensure that Cash App doesn’t bug you with repeated verification requests. As protocols go, PIA’s default is OpenVPN, but you can switch to the WireGuard protocol if you need faster speeds. Learn more in our PIA review.

Avoid Cash App Scams With MACE

PIA’s built-in ad blocker, MACE, protects you against malware and fake Cash App sites that allow prowling scammers to steal your data. MACE alerts you when you’re about to visit a suspicious site or download malware, ensuring that your Cash App account won’t be compromised. MACE also blocks intrusive ads. 

pia website
PIA has relatively cheap plans to help you access Cash App.

PIA’s cheapest plan is the three-year plan, which comes with three months free. All of PIA’s plans come with a 30-day money-back guarantee. 

4. Surfshark

Surfshark VPN spain
Surfshark is an affordable VPN for accessing Cash App.

More details about Surfshark:


  • Cheap long-term plans
  • Unlimited simultaneous connections
  • Obfuscated servers


  • Relatively slow

Surfshark makes this best VPN for Cash App list because it’s an affordable yet secure and reliable VPN service. Whether you want to transfer or receive money, Surfshark gives you access to over 3,200 servers in 65 countries, with a chunk in the U.S. and the U.K.

The VPN comes with AES-256 encryption, a kill switch and multiple protocols, including the fast WireGuard protocol. The CleanWeb feature helps you avoid malware and fake Cash App sites, and it keeps intrusive ads at bay. It’s also great for saving mobile data and boosting browsing speeds. You can also encrypt your internet traffic twice with the multi-hop feature, as you can see in our Surfshark review.

Access Cash App on an Unlimited Number of Devices

Most VPNs limit the number of devices you can connect to at once. For example, NordVPN and ExpressVPN allow six and five simultaneous connections, respectively. Thankfully, Surfshark places no cap on the number of devices you can connect to, making it a perfect fit if you often access Cash App across multiple devices, or if you want to share your VPN with the whole family. 

surfshark cta
Surfshark promises to keep your digital life secure.

Surfshark’s monthly plan is as expensive as ExpressVPN’s and NordVPN’s; however, you get cutthroat discounts when you select the one-year or two-year plan. All plans are covered with a 30-day money-back guarantee. 

5. CyberGhost

Cyberghost ios app
CyberGhost’s apps are simple, organized and easy to use.

More details about CyberGhost:

  • Pricing: $2.37 per month, plus three months free
  • Provider website:


  • Large server network
  • Easy to customize
  • 45-day money-back guarantee


  • Inconsistent speeds on OpenVPN

If you want to send and receive money on Cash App, CyberGhost is a good choice. In terms of server spread, CyberGhost has several servers in the U.S. and the U.K. This beginner-friendly VPN is decked out with valuable features, including AES-256 encryption, a kill switch, and DNS leak protection.

CyberGhost offers the OpenVPN, WireGuard and IKEv2 protocols. Since banks and financial services often flag users who access their accounts with multiple IP addresses, CyberGhost’s dedicated IP address feature is excellent to have. However, it comes at a small fee. 

Create Your Own Privacy Triggers With Smart Rules

If you conduct frequent money transactions online using Cash App, you might find it tiring to have to turn on your VPN each time you want to access the platform. CyberGhost’s “smart rules” feature lets you configure your VPN to launch automatically and connect to a VPN server once you open Cash App. Learn how to do that in our CyberGhost review.

CyberGhost homepage
CyberGhost is cheap, especially on the long-term plans.

Like many of the VPNs on this list, CyberGhost has an expensive monthly plan. However, you can save significantly if you opt for the three-year plan. CyberGhost’s monthly plan is covered with a 14-day money-back guarantee. However, long-term plans come with a 45-day money-back guarantee, the longest we’ve seen so far. Read our CyberGhost vs Surfshark guide to learn how the two VPNs compare.

6. IPVanish

IPVanish app US
IPVanish’s UI is attractive and intuitive.

More details about IPVanish:


  • Easy to use
  • Unlimited connections
  • Strong security features


  • Split tunneling (Android only)
  • Doesn’t unblock streaming sites very well

IPVanish steals the last spot in this review with a handful of servers both in the U.S. and the U.K., making it a valuable choice for accessing Cash App. It also comes with AES-256 encryption, DNS leak protection and unlimited simultaneous connections. 

The VPN claims a spot as one of the best VPNs for mobile, with features like split tunneling and an automatic kill switch. Note that the split tunneling feature works on Android and FireOS device apps, but not iOS. Although IPVanish claims to have a strict no-logs policy, its checkered history casts doubts on the policy, as you can read in our IPVanish review

Protect Your Cash App Account With Multiple Protocol Options

IPVanish comes with several different protocol options: OpenVPN over TCP or UDP, L2TP, IKEv2, IPsec and WireGuard. OpenVPN and IKEv2 are excellent options, but if you need faster speeds while maintaining strong security, tunnel your traffic using the WireGuard protocol. 

IPVanish homepage
IPVanish has monthly, quarterly and yearly plans.

IPVanish’s cheapest plan is the one-year plan, and its monthly plan is more affordable than the likes of NordVPN and ExpressVPN (see our IPVanish alternatives guide to learn more). The annual plan comes with a 30-day money-back guarantee.

  • Unlimited GB
  • Unlimited
  • Every year after: $89.99 ($7.50 per month)
  • Unlimited GB
  • Unlimited
  • Every two years after: $179.99 ($7.50 per month)
  • Unlimited GB
  • Unlimited

Can You Use a Free VPN for Cash App?

You can use a free VPN for Cash App, but such VPNs come with limitations and concerns. First of all, free VPNs come with data and bandwidth restrictions, which can reduce the performance of your Cash App. Even worse, such VPNs often log your data and sell it to advertisers. 

In addition, free VPNs are often packed with malware that can leave your Cash App account at the mercy of third parties. If you’re on a tight budget and need to use a free VPN, we recommend ProtonVPN or Windscribe.


ProtonVPN for Netflix
ProtonVPN offers unlimited data for accessing Cash App.

ProtonVPN is one of our best free VPNs, mainly because it’s the only VPN to offer unlimited bandwidth for free users. In addition, it has several free servers in the U.S., although you need to pay to access its U.K. servers. You can learn more about this VPN service in our ProtonVPN review


windscribe home page
Windscribe is a VPN service that lets you access Cash App for free. 

Windscribe is one of the few VPNs that gives all users access to its entire suite of features. There’s AES-256 encryption, a kill switch and a strict no-logs policy to protect your Cash App account. In addition, you get 10GB of free data and access to 10 servers, including some in the U.S. and the U.K. Learn more in our exhaustive Windscribe review.

Final Thoughts

There you have it: our six best VPNs for Cash App. If you need a quick recap, ExpressVPN is our overall best VPN for Cash App, owing to its lightning-fast speeds and extensive server network. It’s also a great VPN for public WiFi if you need to trade or transact while sipping coffee at the cafe or airport. Beyond Cash App, it’s the best VPN for Bybit and other crypto trading platforms.

However, it’s expensive, so NordVPN is a close runner-up with its excellent suite of security features and server concentration in the U.S. and U.K. For even cheaper options, consider Private Internet Access (PIA), Surfshark or CyberGhost.

IPVanish is a wildcard option that boasts useful security features.

Have you attempted to access Cash App with a VPN? Which VPNs did you try out and what were the results? Share your experiences with us in the comments section below, and as always, thanks for reading.

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