Software · head to head
Square Cash vs Mint
The short version
- Each has a real cost: Square Cash cash App Green status (higher savings rate, free in-network ATM withdrawals, overdraft coverage) requires spending $500 or depositing $300 in Qualifying purchases/deposits per month, per the App Store listing; Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
- They diverge on capability: Square Cash covers Money transfers, Mint covers Expense tracking.
Where they differ
Only the attributes on which Square Cash and Mint actually diverge.
| Attribute | Square Cash | Mint |
|---|---|---|
| Platforms | IOS, Android | Web, iOS, Android |
| Founded | 2014 | 2006 |
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 Square Cash
- Money transfers
- Instant deposits
- Transaction history
- Customer support
- Bank accounts
- IOS support
Only in Mint
- Expense tracking
- Budgets
- Bill tracking
- Credit score monitoring
- Financial insights
- Bank connections
- Bank-level encryption
- Verisign secured
Both cover
- Android support
What people use each for
The jobs each tool is most often brought in to do.
Square Cash
- Budget Managementnot Mint
- Expense Trackingnot Mint
- Investment Trackingnot Mint
Mint
- Legacy free budget tracking for users with supported bank connectionsnot Square Cash
- Users transitioning to Credit Karma for continued money management featuresnot Square Cash
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Square Cash
- Cash App Green status (higher savings rate, free in-network ATM withdrawals, overdraft coverage) requires spending $500 or depositing $300 in Qualifying purchases/deposits per month, per the App Store listing
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
Pricing, plan by plan
Square Cash
Free- FreeFree
- P2P transfers
- Instant deposits
- Mobile app
Mint
FreeNo published plan breakdown. See the Mint review.
Which should you pick?
Choose Square Cash if
- You need money transfers.
- You want to start without paying.
- You work on IOS, Android.
- You also want instant deposits.
Choose Mint if
- You need expense tracking.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want budgets.
Questions people ask
- Is Square Cash or Mint better?
- Neither clearly leads. Square Cash starts at Free and Mint at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Square Cash or Mint?
- Square Cash starts at Free and Mint at Free.
- Does Square Cash or Mint run on more platforms?
- Square Cash runs on IOS, Android. Mint runs on Web, iOS, Android.
- Can I use Square Cash for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is Square Cash best used for?
- Square Cash is most often used for budget management, expense tracking, investment tracking. Of those, budget management and expense tracking are not what Mint is typically brought in for.
- What can Square Cash do that Mint cannot?
- Square Cash covers Money transfers, Instant deposits, Transaction history, Customer support. Mint covers Expense tracking, Budgets, Bill tracking, Credit score monitoring. Both handle Android support.