Need to cash a check fast but don’t have your ID? Whether you’ve lost your wallet, don’t have a bank account, or simply want to avoid delays, several mobile apps now allow you to cash checks instantly with little or no verification.
In this guide, you’ll find the top-rated check cashing apps that offer speed, flexibility, and convenience—without the usual ID hurdles.
Top 5 Instant Check Cashing Apps Without Verification
1. Ingo Money
Ingo is one of the most well-known instant check cashing apps. Users simply take a photo of the front and back of the check and choose a payout method. Funds are typically available in minutes.
- ID Required: No photo ID
- Speed: Instant (with fee)
- Payout Options: PayPal, bank account, prepaid card, Amazon gift card
- Fees: Up to 5% for immediate access
Best for: Users who want maximum flexibility with payout options.
2. Venmo
Venmo’s “Cash a Check” feature, powered by Ingo, allows you to deposit checks straight into your Venmo balance. It’s an excellent option for users already active on the platform.
- ID Required: Minimal (name, address, DOB)
- Speed: Minutes to hours
- Payout Options: Venmo balance
- Fees: Typically 1%–5%
Best for: Venmo users seeking fast and easy deposits.
3. Lodefast Check Cashing
Lodefast supports remote check deposits with limited identity requirements. It’s ideal for those who don’t want to share a photo ID or who are underbanked.
- ID Required: Basic profile info only
- Speed: Same day
- Payout Options: Direct deposit or debit card
- Fees: Varies by check type and deposit method
Best for: Gig workers and unbanked individuals.
4. Brink’s Money Prepaid App
The Brink’s app uses Ingo technology to process check deposits, allowing users to receive funds directly to a Brink’s prepaid Mastercard without uploading an ID.
- ID Required: None (for approved users)
- Speed: Instant with fee
- Payout Options: Brink’s prepaid card
- Fees: Up to 5%
Best for: Users who want a secure prepaid card option.
5. Check Cashing Store App
If you live near a participating Check Cashing Store, you can use their mobile app or visit a location to cash checks—often with no ID required in-store.
- ID Required: None in-store; selfie or email verification may be needed in-app
- Speed: Instant or same day
- Payout Options: Cash or prepaid card
- Fees: Varies by location and check type
Best for: Users looking for flexible access with in-person or app options.
Comparison Table
| App | ID Required | Speed | Fees | Payout Options |
|---|---|---|---|---|
| Ingo Money | No | Minutes | Up to 5% | PayPal, bank, card, gift card |
| Venmo | Minimal | Fast | 1%–5% | Venmo balance |
| Lodefast | No | Same day | Varies | Bank account, debit card |
| Brink’s Money App | No | Instant | Up to 5% | Brink’s prepaid card |
| Check Cashing Store | No | Instant/same day | Varies | Cash or prepaid card |
Why Use a No-ID Check Cashing App?
- You don’t have an ID or don’t want to upload it
- You want faster access to your money without waiting in line
- You need to cash a check outside regular banking hours
- You’re unbanked, underbanked, or prefer prepaid payout options
What to Watch Out For
- Fees: Instant cash-out usually comes with a service charge. Some apps waive fees for delayed deposits.
- Check Limits: Many apps limit the check amount you can cash without extra verification.
- Security: Stick with well-reviewed apps and read terms before submitting checks.
Frequently Asked Questions
Can I cash a check without an ID?
Yes, some apps like Ingo Money, Lodefast, and Brink’s Money allow you to cash checks without uploading a photo ID. These apps may require basic personal details but not a government-issued ID.
What app lets me cash a check instantly without verification?
Ingo Money is the most popular app that lets you cash checks instantly with minimal or no ID verification. Others like Venmo, Lodefast, and Check Cashing Store also offer quick access without full ID requirements.
What are the fees for instant check cashing apps?
Fees typically range from 1% to 5% of the check amount for instant access. Most apps show you the fee upfront and offer delayed deposit options with no fees.
Do I need a bank account to use check cashing apps?
No, many apps offer payouts to prepaid cards, PayPal, or cash pickup options. You can use services like Brink’s, Check Cashing Store, or even Amazon gift cards with Ingo Money.
Is it safe to cash checks online without verification?
Yes, as long as you use reputable apps like Ingo Money, Venmo, and Lodefast. Always check user reviews and ensure you’re downloading from a verified source like the App Store or Google Play.
