Software · head to head
Mint vs Cash App
The short version
- Each has a real cost: Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere; Cash App the App Store listing states free ATM withdrawals and up to 200 dollars in free overdraft coverage on the Cash App Card are only available once a user qualifies for Green status, not to all users by default.
- They diverge on capability: Mint covers Expense tracking, Cash App covers Money transfers.
Where they differ
Only the attributes on which Mint and Cash App actually diverge.
Identical on both: starting price (Free), pricing model (free), free tier (Yes), user rating (Not yet rated), category (Unknown).
What each one covers
Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.
Only in Mint
- Expense tracking
- Budgets
- Bill tracking
- Credit score monitoring
- Financial insights
- Bank connections
- Bank-level encryption
- Verisign secured
Only in Cash App
- Money transfers
- Direct deposit
- Bitcoin trading
- Stock investing
- Bank accounts
- Cash Card
- IOS support
Both cover
- Android support
What people use each for
The jobs each tool is most often brought in to do.
Mint
- Legacy free budget tracking for users with supported bank connectionsnot Cash App
- Users transitioning to Credit Karma for continued money management featuresnot Cash App
Cash App
- Budget Managementnot Mint
- Expense Trackingnot Mint
- Investment Trackingnot Mint
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Mint
- Service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
- Bank connections supported for only 17,000 financial institutions; many regional or international banks not supported
Cash App
- The App Store listing states free ATM withdrawals and up to 200 dollars in free overdraft coverage on the Cash App Card are only available once a user qualifies for Green status, not to all users by default.
Pricing, plan by plan
Mint
FreeNo published plan breakdown. See the Mint review.
Cash App
Free- FreeFree
- Money transfers
- Direct deposit
- Mobile app
- Cash App Investing$undefined/month
- Stock trading
- Bitcoin trading
Which should you pick?
Choose Mint if
- You need expense tracking.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want budgets.
Choose Cash App if
- You need money transfers.
- You want to start without paying.
- You work on IOS, Android.
- You also want direct deposit.
Questions people ask
- Is Mint or Cash App better?
- Neither clearly leads. Mint starts at Free and Cash App at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Mint or Cash App?
- Mint starts at Free and Cash App at Free.
- Does Mint or Cash App run on more platforms?
- Mint runs on Web, iOS, Android. Cash App runs on IOS, Android.
- Can I use Mint for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is Mint best used for?
- Mint is most often used for legacy free budget tracking for users with supported bank connections, users transitioning to credit karma for continued money management features. Of those, legacy free budget tracking for users with supported bank connections and users transitioning to credit karma for continued money management features are not what Cash App is typically brought in for.
- What can Mint do that Cash App cannot?
- Mint covers Expense tracking, Budgets, Bill tracking, Credit score monitoring. Cash App covers Money transfers, Direct deposit, Bitcoin trading, Stock investing. Both handle Android support.