Cash App Fee Calculator
Work out what Cash App actually costs: personal transfers are free, instant cash outs run 0.5–2.5%, and business payments are 2.6% + $0.15.
Visit Official Cash App WebsiteCash App — Send to friends and family
Free
Free from your Cash App balance or a linked debit card. A credit card costs 3% — pick that option instead.
Sending money abroad?Apps like this are built for paying people inside the US. To send overseas, Wise reaches 160+ countries at the real exchange rate — usually far cheaper than an international card or PayPal transfer.
Send abroad with WiseCash App fees at a glance (2026)
| Send or receive money (personal) | $0 |
| Standard cash out (1–3 days) | $0 |
| Instant cash out | 0.5%–2.5% (min $0.25–$1, max $75) |
| Credit card funding | 3% |
| Business payment received | 2.6% + $0.15 |
| Business payment via Tap to Pay | 3% |
| Foreign transaction (card abroad) | 3%* |
| Paper money deposit (retail) | $1 |
| ATM withdrawal (Cash Card) | $2.50* |
Instant cash out starts at 0.5%: $100 → from $0.50, $500 → from $2.50, $1,000 → from $5. Your rate can run up to 2.5%, which would make those $2.50, $12.50 and $25 — and the fee is never more than $75 however much you move. The same cash out is free if you let it take 1–3 business days. *The ATM and foreign transaction fees are refunded until the end of the following month if you spend $500 or more on the card, or receive $300 or more in qualifying deposits, in a calendar month.
About Cash App Fees
Cash App (formerly Square Cash) is one of the most popular peer-to-peer payment apps in the US, with over 50 million active users. Owned by Block (formerly Square), it lets you send money to friends instantly, accept business payments, invest in stocks and Bitcoin, and even get direct deposit like a bank account.
Here's the fee reality: personal transfers are free — no charge for sending money to friends and family from your balance or a linked debit card. If you run a business, Cash App takes 2.6% + $0.15 on payments customers send from their Cash App account, or 3% on anything you accept through Tap to Pay. That fixed 15 cents matters more than it looks: on a $100 sale the fee is 2.75%, but on a $10 sale it is 4.1%. Businesses taking small payments should compare on their own average ticket, not on $100.
The catch is speed. Moving your balance to a bank account is free if you wait 1–3 business days, and 0.5%–2.5% if you want it in minutes — with a minimum of $0.25 to $1 and a ceiling of $75. Cash App shows the exact figure before you confirm, which is worth reading, because the range is wide enough that the same $500 could cost $2.50 or $12.50. Funding a payment with a credit card costs 3%; a debit card or your balance costs nothing.
The calculator above helps you see exactly what you'll pay. Choose your transaction type, enter the amount, and get instant results.
How Cash App Fees Are Calculated
Cash App's fee structure is straightforward but varies dramatically depending on whether you're using a personal or business account:
Cash App Fee Breakdown:
Personal Account (Free):
- • P2P Transfers: $0 (completely free)
- • Standard Bank Transfer: $0 (1-3 business days)
- • Instant cash out: 0.5–2.5% (min $0.25–$1, max $75)
- • Credit Card Funding: 3% per transaction
- • Debit Card/Bank Funding: $0 (free)
- • ATM Withdrawal: $2.50 per withdrawal
- • ATM Withdrawal (with $300+ deposits/month): $0 (free)
Business Account:
- • Customer payments (QR/link): 2.6% + $0.15
- • Tap to Pay: 3%
- • Setup Fee: $0
- • Monthly Fee: $0
- • Instant Transfers to Bank: $0 (free for business)
- • Chargeback Fee: Not specified (varies)
Real Example - Small Business:
Customer buys $100 product using Cash App QR code:
- • Customer pays: $100.00
- • Cash App fee (2.6% + $0.15): -$2.75
- • You receive: $97.25
Total cost: $2.75, which is 2.75% on this amount. The rate is not flat, though — the fixed 15 cents means a $10 sale costs $0.41, or 4.1%, and a $1,000 sale costs $26.15, or 2.6%.
Cash App Business vs Personal: Key Differences
Cash App offers two distinct account types. Here's what you need to know:
| Feature | Personal | Business |
|---|---|---|
| P2P Transfers | Free | Not available |
| Receiving Payments | Free | 2.6% + $0.15 per transaction |
| Instant Deposit | 0.5–2.5% (min $0.25–$1) | Free |
| Cash Card (Debit) | Yes | No |
| QR Code Payments | Limited | Yes |
| 1099-K Tax Form | $600+ threshold | $600+ threshold |
💡 Which Account Should You Choose?
Use Personal Account if: You're splitting rent, paying friends back, sending birthday money, or any non-business transfers. 100% free, no limits.
Use a business account if: you are selling products or services and need to accept customer payments. You will pay 2.6% + $0.15 per payment, and you get IRS-compliant business tools with no monthly cost.
Pro tip: Many freelancers and side hustlers incorrectly use personal accounts for business income. If you make over $600/year, Cash App reports it to the IRS anyway, so you might as well get the business features.
Cash App: Honest Pros & Cons
✓Advantages
- • Free P2P transfers: Send money to friends instantly with zero fees, beating Zelle and Venmo
- • No monthly fees: Both personal and business accounts cost $0/month
- • Instant transfers: Get money in seconds (1.5% personal, free business)
- • Easy setup: Takes 2 minutes, no paperwork or business verification
- • Popular: 50M+ users means customers likely already have Cash App
- • Cash Card included: Free debit card for personal accounts
- • Investing built-in: Buy stocks and Bitcoin directly from app
✗Disadvantages
- • No buyer/seller protection: unlike PayPal, if you get scammed the money is gone
- • Compare on your own ticket size: Cash App is 2.6% + $0.15 against Stripe's 2.9% + $0.30 — Cash App wins on small payments, and the gap narrows as the amount grows
- • Limited business tools: No invoicing, subscriptions, or advanced features
- • Customer support is rough: Mostly automated, hard to reach humans
- • Account freezes common: fraud detection is aggressive, and legitimate accounts get locked
- • No business debit card: Must transfer to personal or bank to spend
- • US only: No international transfers or currency support
Frequently Asked Questions
How much does Cash App charge for business payments?
Cash App charges 2.6% + $0.15 on each payment a customer sends from their Cash App account, and 3% on payments taken through Tap to Pay. It is deducted before the money reaches your balance, and there are no setup, monthly or hardware costs.
Is Cash App free for personal use?
Yes for everyday use. Sending and receiving money between friends is free from your balance or a linked debit card. Instant cash outs cost 0.5%–2.5% (minimum $0.25–$1, capped at $75), credit card funding costs 3%, and ATM withdrawals cost $2.50 — refunded until the end of the following month if you spend $500 on the card or receive $300 in qualifying deposits in a month.
What is Cash App instant deposit fee?
Cash App’s terms and its own help pages put instant transfers at 0.5% to 2.5%, with a minimum of $0.25 to $1 and a maximum of $75. Its marketing pages quote a narrower 0.5%–1.75%; where the two disagree we follow the binding terms. The exact fee is shown before you confirm the transfer. Standard transfers taking 1–3 business days are free.
Does Cash App charge to receive money?
For personal accounts, receiving money is free. For business accounts, Cash App charges 2.6% + $0.15 on payments from a customer’s Cash App account, or 3% via Tap to Pay, deducted before the money reaches your balance. Example: a customer pays $100, the fee is $2.75 and you receive $97.25 — but on a $10 payment the fee is $0.41, which is 4.1%.
Is Cash App cheaper than PayPal for business?
Yes, Cash App (2.6% + $0.15) is cheaper than PayPal (3.49% + $0.49) for business transactions. On a $100 payment, Cash App costs $2.75 vs PayPal’s $3.98, saving you $1.23 per transaction. However, PayPal offers better buyer/seller protection and more business features (invoicing, international payments, subscriptions).
Can I avoid Cash App fees?
For personal use: Always fund with debit card/bank account (not credit card), use standard transfers instead of instant deposits, and receive $300+ monthly to waive ATM fees. For business: The 2.6% + $0.15 is unavoidable—it’s how Cash App makes money. Consider passing it on in your prices, and price off your own average ticket rather than off $100: the fixed 15 cents makes a small sale cost proportionally far more. For high-volume or low-ticket sales, compare a cheaper processor.
Does Cash App charge a fee?
Not for everyday personal use. Sending and receiving between friends, standard 1–3 day cash outs, and debit-card or bank funding are all free. Fees apply to instant cash outs (0.5%–2.5%), credit-card funding (3%), business payments (2.6% + $0.15, or 3% via Tap to Pay), ATM withdrawals ($2.50), foreign card transactions (3%) and paper money deposits ($1).
How much does Cash App charge to cash out?
Cashing out is free with the standard option, which takes 1–3 business days. An instant cash out costs 0.5%–2.5%, so $500 costs between $2.50 and $12.50 depending on the rate you are given, and $0 if you can wait a day or two. The fee never exceeds $75 however much you move.
How much is the Cash App instant transfer fee for $100, $500 or $1,000?
At the 0.5% rate the range starts from, an instant cash out of $100 costs $0.50, $500 costs $2.50 and $1,000 costs $5.00. At the top of the range, 2.5%, those rise to $2.50, $12.50 and $25, and the fee is capped at $75 however much you move. Cash App sets your exact rate, so treat the calculator above as the starting point and read the figure in the app before you confirm — standard 1-3 day transfers are always free.
What percentage does Cash App take?
For personal use, Cash App takes 0% — sending and receiving are free. A percentage applies to an instant cash out (0.5%–2.5%), funding a payment with a credit card (3%), receiving into a business account (2.6% + $0.15, or 3% via Tap to Pay), and using the card abroad (3%). Standard transfers and debit or bank funding stay free.
Does Cash App charge ATM fees?
Yes — Cash App charges $2.50 per ATM withdrawal with the Cash Card, plus any surcharge the ATM operator adds. Both are waived for the following month when you receive $300 or more in qualifying direct deposits, which makes the Cash Card effectively free to use for regular paycheck users.
Does Cash App charge international or foreign transaction fees?
Cash App only operates in the US and UK, so you cannot send money to other countries with it. Using the Cash Card abroad can carry a foreign transaction fee, but Cash App waives that fee (card-present) for the following month when you receive $300 or more in qualifying deposits. For true international transfers, use a specialist like Wise or Remitly.
Last Updated: June 9, 2026 | Cash App fees are accurate as of this date. Always verify current rates on the official Cash App website before making financial decisions.
Related Guides
Best P2P Payment Apps 2026
Complete comparison of Venmo, Cash App, Zelle, PayPal, and Apple Cash. Detailed fee comparison, pros/cons, and which app is best for your needs.
How to Set Up a P2P Payment Account
Step-by-step guide to setting up Venmo, Cash App, Zelle, and PayPal. Learn account verification, security tips, and choosing the right app.
PayPal Fees Explained
PayPal fees in 2026 — Friends & Family vs Goods & Services, instant transfers, and international and currency-conversion costs, plus how to pay less.
Complete Fee Comparison Guide
Learn how to compare fees across different money transfer services and find the best deals.