On June 11, 2026, Cash App did something no one had on their bingo card: it became a phone company. Cash App Mobile is an unlimited 5G plan for $40 a month, taxes and fees included, running on AT&T’s network and built with Gigs, the company that also powers Klarna’s US carrier.
Right now it’s a pilot. Not everyone can get it, and the $40 price isn’t the cheapest unlimited plan in America — not even close. Here’s an honest look at what you actually get, who’s eligible today, and whether switching makes financial sense.
What you actually get for $40
The plan is deliberately simple — there’s exactly one tier, no add-ons, no upsells.
| Feature | What’s included |
|---|---|
| Price | $40/month — taxes, fees and Gigs surcharges included |
| Data | Unlimited 5G talk, text and data |
| Streaming | Unlimited HD video |
| Hotspot | 10 GB per month (US) |
| Canada & Mexico | Data roaming included — 10 GB total, plus a shared pool of 1,000 minutes or texts |
| Network | AT&T, via Gigs |
| SIM type | eSIM only — no physical SIM |
| Contract | None. No credit check, no store visit |
| Fees | No activation, late, transfer or cancellation fees |
The “taxes and fees included” part is the genuinely useful bit. Wireless taxes and surcharges commonly run 10–20% of your base rate depending on your state, so a $30 advertised plan elsewhere can easily bill at $34–$36. With Cash App Mobile, $40 is $40 — every month, in every state.
Who can get it right now
As of late July 2026, Cash App Mobile is still a limited pilot rolling out to select users, with broader availability promised “in the coming months.” There’s no public sign-up page you can force your way into — access appears inside the Cash App itself when your account is picked.
Per Cash App’s own terms, to be eligible you need to:
- Be 18 or older and a resident of one of the 50 states or Washington, D.C.
- Have a Cash App account in good standing that has passed identity verification and meets Cash App’s account, activity and risk requirements
- Keep a valid email address, working phone number, push notifications and a current mailing address on your account
- Use an eSIM-capable, unlocked phone that’s compatible with the underlying network
That eSIM requirement quietly excludes a lot of people. If you’re on an older Android handset, a budget prepaid device, or anything still carrier-locked, you’re out until you change phones. Check Settings for an “Add eSIM” or “Add cellular plan” option before you get your hopes up.
How billing works inside Cash App
This is where the product gets interesting, and where you should read carefully. Service auto-renews monthly on the same calendar day you signed up. On the due date, Cash App debits your Cash App balance first, then falls back to a linked backup payment method. If a payment fails, it retries on days 1, 3 and 5 — and the terms allow Cash App to throttle, restrict or interrupt service for missed payments.
If you keep a working balance in Cash App, that’s a genuine convenience: your phone bill just comes out of money that’s already there. If you run your balance to zero between gigs, understand that your phone service is now sitting in the same queue as everything else pulling from that account.
Cancelling is painless — no fee, and you can port your number out for free using the account number and transfer PIN in your Cash App settings. But there are no prorated refunds. Cancel on day 3 of a cycle and you’ve still paid for all 30 days.
Is $40 a good deal? Two worked examples
Example 1 — the light user. Say you currently pay Visible’s base plan at $25/month, taxes included. Cash App Mobile costs $15 more per month, or $180 more per year. What that $180 buys you: AT&T coverage instead of Verizon, HD instead of 480p video, and 10 GB of full-speed hotspot instead of unlimited-but-capped-at-5-Mbps. If you don’t need any of those, you’re paying $180/year for app convenience.
Example 2 — the rideshare driver. You navigate 8 hours a day, stream music, and tether a tablet a few times a month. On Mint’s Unlimited plan you’d pay $30/month plus taxes (call it ~$33–$35 all-in) — but Mint’s best rates require paying 12 months up front, roughly $360 at once. Cash App Mobile is $480/year with no lump sum and no renewal cliff when the intro rate expires. If floating $360 in one payment is the problem, the $40 monthly plan is the more realistic option even though it’s nominally pricier.
Cash App Mobile vs Visible, Mint and Klarna
| Plan | Price/mo | Network | Hotspot | Taxes included? |
|---|---|---|---|---|
| Cash App Mobile | $40 | AT&T | 10 GB full speed | Yes |
| Visible (base) | $25 | Verizon | Unlimited @ 5 Mbps | Yes |
| Visible+ | $35 | Verizon | Unlimited @ 10 Mbps | Yes |
| Visible+ Pro | $45 | Verizon | Unlimited @ 15 Mbps | Yes |
| Mint Unlimited | $30 (annual) / $15 intro | T-Mobile | 10 GB | No — added on top |
| Klarna Mobile | $35 (launched at $40) | AT&T | 10 GB | Confirm in-app |
A few honest observations. Visible+ Pro at $45 gives you guaranteed premium (non-deprioritized) data on Verizon — Cash App hasn’t publicly confirmed whether its $40 plan gets premium AT&T data or is deprioritized during congestion, which is the single most important unanswered question about this plan. Mint is cheaper on paper but the headline price requires prepaying a year, and taxes are extra. Klarna Mobile is nearly the same product — same AT&T network, same Gigs backend, same 10 GB hotspot — currently advertised at $35, so if you’re choosing purely on price between two fintech carriers, Klarna is the cheaper twin.
Who this is genuinely good for
- People who already live in Cash App and want one less bill to manage
- Anyone who’s been denied a postpaid plan over credit — there’s no credit check
- Households on Cash App Families who want kids’ lines in the same app
- Anyone in an AT&T-strong / Verizon-weak area
Who should skip it
- Bargain hunters — Visible base, Mint and US Mobile all beat $40
- Heavy tetherers — 10 GB of hotspot goes fast if you work from a laptop
- Frequent international travelers — coverage stops at Canada and Mexico
- Anyone without an unlocked eSIM phone
Frequently Asked Questions
Can I sign up for Cash App Mobile today?
Only if Cash App has enabled it for your account. It launched June 11, 2026 as a pilot for select users, with wider availability expected over the following months. Keep your app updated, make sure push notifications are on, and watch for the offer to appear in-app — there’s no waitlist you can join to jump the line.
Will my phone bill come out of my Cash App balance automatically?
Yes. Cash App debits your balance first on the due date, then tries your backup payment method if the balance is short. Failed payments retry on days 1, 3 and 5, and unpaid service can be throttled or suspended. Keeping a small buffer in your balance around your renewal date is the simplest way to avoid trouble.
Can I keep my current phone number?
Yes — you can port your existing number in, and port it back out later at no charge. Cash App provides the account number and transfer PIN you’ll need in your settings. Don’t cancel your old service first; start the port from the new carrier so the number transfers cleanly.
Is $40 really the total, or will there be surcharges?
Cash App states that the price shown at enrollment includes all taxes, fees and Gigs surcharges, with an itemized breakdown available in your billing section. That’s a meaningful difference from Mint, where taxes are added on top of the advertised rate.
The bottom line
Cash App Mobile is a reasonable, transparent, slightly-above-market plan wrapped in real convenience. At $40 all-in on AT&T with no credit check and no contract, it’s a fair deal — just not a steal. If you want the lowest possible bill, Visible’s base plan or Mint’s annual pricing will save you $100–$200 a year. If you want your phone bill to simply disappear into an app you already open daily, and AT&T covers you well, it’s worth taking when the offer shows up. Before you switch, confirm your phone supports eSIM and is unlocked — that’s the step most people trip on.
WalletWisp is informational and not financial advice — verify current pricing and terms with each provider before switching.
