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APR rates: Range from 4.95% minimum to 35.95% maximum.To receive money instantly from other banks , you’ll first need to set up a ShapID by following these steps: Log on to your Money app or Cellphone Banking. Select the ‘ ShapID ’ widget. Go to Register a ShapID. Select the account you want to link your PayShap. Select Register, then Done .Get your money in minutes for a fee or in 10 days for no fee. Whichever option you choose, if your check is approved and your account is funded, your money is as good as cash and safe to spend. All checks subject to review for approval. Fees may apply. Most credit card issuers post funds within 24 hours. Cash App for everyone 13 and up. Learn More. Cash App is the #1 finance app in the App Store. Pay anyone instantly. Save when you spend. Bank like you want to. Buy stocks or bitcoin with as little as $1. Xoom moves your money fast, and keeps your security a top priority. 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