--- title: New Cash App Feature Simplifies Splitting Payments — Even for Those Who Don't Use the App description: Cash App's new Pools feature lets users split payments for bills, dinners, or trips — no app download required for contributors. authors: - name: Adam Hardy role: Lead Data Reporter url: https://money.com/author/adam-hardy/ bio: Adam Hardy is a lead data journalist at Money, where he frequently reports on financial barriers that affect low-income Americans. Adam’s work has also appeared in Business Insider, Forbes, Nasdaq, The Penny Hoarder, Yahoo! Finance and more than a dozen local and regional newspapers. education: University of South Florida, BA, Magazine Journalism at_money_since: 2021 articles: 501 covers: - Personal Finance - Banking - Business - Career Advice - Credit - Credit Cards - Debt - Economy and Politics - Education - Health and Wellness - Housing - Identity Theft - Insurance - Investing - Lifestyle - Loans - Mortgages - Pets - Professional Services - Retirement - Shopping - Taxes - Technology also_seen_in: - The Penny Hoarder - Forbes Advisor - Creative Loafing - The New York Times - The Washington Post - Bloomberg - Harvard Law School - The Federal Register - National Consumer Law Center - CBS News - Becker's Hospital Review - Business Insider - Mother Jones - The Week - Fortune - The Philadelphia Inquirer - National Association of Student Financial Aid Administrators (NAFSAA) - Education Advisory Board (EAB) - The Institute for College Access & Success (TICAS) - This Morning with Gordon Deal - Empower - Reddit social: - https://www.x.com/hardyjournalism - https://www.linkedin.com/in/hardyjournalism/ editors: - name: Katherine Peach role: Associate Editor url: https://money.com/author/katherine-peach/ bio: Katherine Peach is an associate editor with a focus on news and email at Money. Her writing and editing work has been featured in Investing Daily, Clever, Investor Junkie, The Palm Beach Letter, Truth & Plenty, Independence Monthly, NICHE, AmericanStyle, AntiqueWeek, Millennial Money, Money Done Right, TheStreet, Sure Dividend and many others. education: University of Maryland, Baltimore County at_money_since: 2025 articles: 14 covers: - Personal Finance - Banking - Career Advice - Credit - Credit Cards - Debt - Economy and Politics - Education - Federal Reserve Rate Cuts - Health and Wellness - Housing - Identity Theft - Insurance - Investing - Lifestyle - Loans - Mortgages - Professional Services - Retirement - Shopping - Taxes published: '2025-08-01T17:54:24.000Z' modified: '2025-08-01T17:54:24.000Z' section: Personal Finance tags: - News word_count: 884 canonical: https://money.com/cash-app-pools-split-payments-feature/ type: NewsArticle source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Screenshots of Cash App deposits](https://img.money.com/2025/07/News-Cash-App-Payments1.jpg) Splitting the check, or even a group vacation, is about to get a lot easier. Cash App, a popular peer-to-peer payments app, is rolling out a feature called "pools," which allows groups of people to split checks, bills and other payments without everyone needing to have a Cash App account. It does this by, for the first time, accepting third-party payments from Google Pay and Apple Pay. “With pools, our customers now have a dedicated, easy-to-use solution for group payments,” says Cameron Worboys, head of product design at Cash App, in [a news release](https://www.businesswire.com/news/home/20250729423863/en/Cash-App-Launches-Pools-for-Group-Payments). “They can start a pool to collect the money in seconds and then instantly transfer the funds to their Cash App balance when it’s time to pay.” Money is often “inherently social,” Worboys adds, saying that many people use payment apps to split expenses for dinner outings, gifts and group vacations. However, a major headache is that everyone typically has to download the same app to utilize similar check-splitting features. Or someone has to front the expense and receive repayment from the group in various forms. “People were already using Cash App to cover these group cases, but it was kind of disjointed,” says Kristen Anderson, a product lead at Cash App who helped build the new feature. “It was hacked together across different payment platforms.” With pools, she says, Cash App aims to make the hassle a thing of the past by “unifying that experience.” Currently, the feature is available to only a “select group of Cash App users,” the company says, adding that it intends to release the feature universally “in the coming months.” Anderson says that during this pilot period, only debit card payments from Google Pay and Apple Pay are supported, but that credit card capabilities are being developed “imminently.” ## Tired of Overdraft Fees? Chime® Has You Covered! ### While big banks profit off fees, Chime helps you avoid them. Get up to $200 in fee-free coverage by starting today! [Open Account](https://money.com/pr/f879ffec5b6c?ap_referrer=%2Fcash-app-pools-split-payments-feature%2F) ## Cash App pools: how the new feature works Pools can be used to split spur-of-the-moment group purchases, such as restaurant tabs, as well as big, planned expenses. The underlying feature works the same. For quick splitting, the person who has a Cash App account can gather payments from the group by creating a pool, which can collect other Cash App transfers or payments connected to Google Pay or Apple Pay. The Cash App user then invites the Google Pay and Apple Pay users to make payments via a link in a text. For bigger purchases, such as a group vacation, a pool can be set up in advance and can help everyone stay on track for saving and contributing toward a specific expense. The company says a key perk of pools is that one group member no longer has to front the major expense and seek reimbursement later. In either case, when the goal is reached, the organizer of the pool can close it and get the money transferred instantly to their Cash App balance. ## Cash App wants to be your ‘entire financial life’ When Cash App launched in 2013, its sole purpose was to send peer-to-peer payments, which were largely made via email at the time. While quick peer-to-peer transfers are still a core component of Cash App today, the company — a subsidiary of Block and sister company of Square, [Afterpay](https://money.com/square-afterpay-acquisition-cash-app/) and others — is quickly moving toward becoming an everything-money app, leveraging Block’s foothold across numerous financial sectors. “We want Cash App to be the financial operating system for the next generation,” Owen Jennings, head of business at Block, told CNBC Tuesday, “to essentially be the money app where a customer can run their entire financial life.” Anderson echoes that sentiment, adding, “our whole financial life is obviously much broader than” peer-to-peer payments. Today, Cash App users can now save, send and invest money on the app, buy crypto and even file their taxes. She says the app aims to have a service “to help people meet all of their needs, from borrowing when times are tight, to saving and investing when times are good.” ## The race for your financial data Cash App isn’t the only one that wants to be your everything-money app. Payment transfer apps are fiercely competitive, looking to add ever more financial services to their offerings. Paypal and [Paypal-owned Venmo](https://money.com/what-is-venmo-how-it-works/) have, in recent years, added a host of additional features beyond transfers, such as credit and debit cards and [crypto-investing](https://money.com/5-best-crypto-trading-apps/). Meanwhile, Zelle, another popular money-sending app, has focused on directly integrating with banks. With each new service, these apps are hoping to draw you into their financial ecosystems — and keep you there. It’s part of a broader, lucrative trend among financial technology companies, or fintechs, of building unified snapshots of people’s financial lives to sell to advertisers or even credit-scoring bureaus. According to the nonprofit [National Consumer Law Center](https://www.nclc.org/wp-content/uploads/2025/04/2025.04.10_Comments_Data-privacy-RFI.pdf) (which advocates against the growing trend), the financial data broker industry was valued at $240 billion in 2021 and is expected to reach over $462 billion by 2031. And a glut of fintechs want in on the action. With Cash App pools, it seems the company has found a clever way to expand its reach in a hotly competitive market — without you ever having to download the app. ## Because everyone deserves financial peace of mind ### SoFi is financial technology at its finest. Learn more about how SoFi can enhance your financial experience by clicking below. 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