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Using Flourish Cash with
Venmo and Cash App for
everyday payments

October 21, 2026

Estimated reading time: 2 minutes

Flourish Cash† makes it easy to earn a competitive rate§ while keeping your cash accessible and ready to use. 

Same-day transfers allow you to quickly move funds from one account to another.| Bill pay lets you connect recurring expenses so payments can be pulled directly from your Flourish Cash account, eliminating the need to transfer funds to another account. And connecting Flourish Cash to peer-to-peer (P2P) payment services, like Venmo and Cash App, gives you another way to make everyday payments directly from your account. 

Whether you are paying a friend back for dinner, sending a cash gift, or receiving money from friends and family, these connections make it easier to move money where you need it, when you need it.

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You can link Flourish Cash to services like Venmo and Cash App using your Flourish Cash account information. Once connected and verified, you can make payments via these services from your Flourish Cash account. When you receive payments via these services, you can transfer the funds directly into your Flourish Cash account.

Instead of connecting these payment services to your bank checking or savings account, the direct connection to Flourish can reduce the amount of cash you need to keep in low-yield accounts. More of your cash can remain in Flourish Cash, earning a high yield until you need to use it.

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Connecting P2P payments is one more way to use Flourish Cash to support your everyday cash needs.

Direct deposit brings your paycheck, Social Security, or other recurring income directly into Flourish Cash. Bill pay covers recurring expenses. And connections to Venmo and Cash App make it easier to send and receive money between friends and family.

Together, these capabilities make it easier to send funds into Flourish Cash, make everyday payments from Flourish Cash, and keep more of your cash earning in between.

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Your financial advisor can help you think about how much cash you may need for upcoming expenses, longer-term goals, and your broader financial plan. Making Flourish Cash easier to use for everyday needs helps you keep more of your cash in one place and earning a competitive rate while keeping your advisor connected to a larger part of your financial life.

How to connect Flourish Cash and Venmo

If you’ve previously connected your Flourish Cash account to Plaid, you can:

  1. Open the Venmo app and go to the ‘Me’ tab

  2. In the Wallet section, scroll to Banks and Cards and choose “Add a bank or card” then select “Bank”

  3. Enter the code to verify your identity

  4. Venmo will verifying the connection to Plaid and automatically link your account

  5. Success! You can now send and receive money from your Flourish Cash account via Venmo

How to connect Flourish Cash and Cash App

If you’ve previously connected your Flourish Cash account to Plaid, you can:

  1. Open Cash App and go to your profile

  2. In the Account & settings section, select Linked Banks

  3. Click “Link new card or bank account”

  4. Click “Link Bank” or “Replace a linked bank account”

  5. Enter “Flourish” when prompted to select your institution and then select “Flourish Cash”

  6. Click “Continue to log in” and complete multi-factor authentication

  7. Authorize Plaid to link your account

  8. Success! You can now send and receive money from your Flourish Cash account via Cash App

Notes:

These are the instructions for accounts with a Plaid connection. If you manually linked your Flourish account to external accounts, you can proceed with manual linking with the payment system of your choice.

If you have not previously connected your Flourish Cash account to Plaid, you can do so during set up or select manual verification. Enter your Flourish Cash routing and account numbers, then follow the instructions to verify your account.

When a bank account is added manually, P2P payment systems typically use small microtransfers to confirm ownership. Verification takes 1-3 business days.

When connecting to Flourish via a P2P payment system, you may see references to PNC Bank. This is expected. Flourish Cash uses PNC Bank to facilitate certain transfer-related services.

About Flourish

Flourish builds technology that empowers financial advisors, improves financial lives and retirement outcomes, and delivers new and innovative investment options to advisors. Today, the Flourish platform is used by more than 1,300 wealth management firms representing more than $2.6 trillion in assets under management. Flourish is wholly-owned by MassMutual. For more information, visit www.flourish.com.

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Flourish is an online platform through which investors can access financial services and products. Flourish’s offerings are provided by different entities and are subject to different terms, investor protections, and risks. Flourish Cash is offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. Flourish Lending is offered by SoraFinance, Inc. (d/b/a Flourish Lending), a licensed mortgage broker (NMLS #2355841). SoraFinance, Inc. is not a lender. To verify SoraFinance, Inc., visit NMLS Consumer Access. The Flourish entities mentioned above are all wholly-owned subsidiaries of Flourish Holding Company LLC. Please review the Legal section of our website for more information and account terms. The role of the investment advisor or other firm that invited you to Flourish may vary between different Flourish services and products, as further described in your terms of service. © 2026 Flourish. All rights reserved.

† A Flourish Cash account is a brokerage account offered by Flourish Financial LLC, a registered broker-dealer and FINRA member. Flourish Financial LLC is not a bank. Check the background of Flourish Financial LLC and its personnel on FINRA's BrokerCheck. The cash balance in a Flourish Cash account will be swept from the brokerage account to deposit account(s) at one or more third-party Program Banks that have agreed to accept deposits from customers of Flourish Financial LLC. The accounts at Program Banks will pay a variable rate of interest.

§ Flourish Cash has a tiered interest rate structure and currently has one tier in effect. Rate and FDIC insurance coverage details can be found in the program summary. We deposit your cash with one or more of the Program Banks, subject to any Program Bank(s) you have excluded. You will earn the highest rate offered by Flourish up to the maximum deposit amount for each tier. Each annual percentage yield (APY) displayed here is effective as of 09/21/2026 and may change at any time. Your advisor may charge fees which impact the effective rate you receive on your cash; you should speak with your advisor for more information. The Flourish Cash interest rate(s) could be lower than the rate that could be earned by opening a deposit account directly with a Program Bank.

| For transfer requests submitted by the applicable deadline, funds will generally be transferred to or from the requested external account by the same or next business day, except for requests submitted on the weekend or on a holiday, which should be completed by the following business day. In some circumstances, transfers may take longer to complete, as further described in your Account Agreement. For withdrawal requests, fund availability is subject to the processing timeline of the receiving financial institution and may not be displayed or available until the end of the financial institution's business day.