Cash App is free for paying friends, so its fees surprise people when they show up. They come in three places: 2.6% + 15¢ on every payment into a Business account, 0.5% to 2.5% to move money to your bank in minutes, and 3% when someone sends from a credit card. Cash App’s own pages don’t agree on the instant fee either: its Send page still quotes 0.5%–1.75% with a $0.25 minimum, while its terms and help center say 0.5%–2.5%, $0.25–$1 minimum, $75 maximum. The calculator above follows the terms and applies each fee to exactly the amount Cash App names.
Every Cash App fee at a glance
| Fee | Amount | Charged on | When |
|---|---|---|---|
| Business account payment | 2.6% + $0.15 | Each payment received, whole amount | Customer pays your Business $cashtag, QR code or linksource |
| Tap to Pay | 3% | Each in-person contactless payment | Business account; customer pays no feesource |
| Personal payments | Free | Sending from balance or debit card, receiving | Personal, non-business paymentssource |
| Earn in P2P | Free (pilot) | Goods and services paid to a personal account | Eligible sole proprietors enrolled in the pilotsource |
| Sending from a credit card | 3% | Amount sent, paid by the sender | Balance or debit card: freesource |
| Standard deposit | Free | Balance moved to your bank | 1–3 business days; not to Mastercard debit cardssource |
| Instant deposit | 0.5%–2.5%, min $0.25–$1, max $75 | Amount moved | Arrives in minutes; exact fee shown before you confirmsource |
| Paper money deposit | $1 | Each cash deposit at a store ($5–$500) | Every customer, Cash App Green includedsource |
| ATM withdrawal | $2.50 | Each withdrawal; most out-of-network ATMs add their own fee | Free at in-network ATMs with Cash App Greensource |
| Foreign transaction | 3% | Cash App Card purchases abroad or from foreign online stores | Waived in person with Cash App Greensource |
| Cash App Pay (merchant) | Square 2.6% + 15¢ in person, 3.3% + 30¢ online · Stripe 2.9% + 30¢ | Whole payment | Free for the customer; Square Plus and Premium pay their lower card ratessource |
Four details catch most people out:
- Business fees are charged on the whole payment. Cash App doesn’t split out shipping or sales tax, so whatever the customer sends pays 2.6% + 15¢.
- The instant fee is a range, and the app picks the number. It is shown before you confirm. We use the top of the range by default; enter the rate your app shows under “More options” to match it.
- The sender pays the 3% credit card fee, not the recipient. For pool contributions, Cash App’s Pools page says it applies to a credit card used through Apple Pay or Google Pay too.
- Adding cash costs $1 for everyone, Cash App Green included.
What you keep at common prices
Payments into a Business account, cashed out with a free standard deposit:
| Payment amount | Total fees | Fee rate | You keep |
|---|---|---|---|
| $5.00 | $0.28 | 5.60% | $4.72 |
| $10.00 | $0.41 | 4.10% | $9.59 |
| $20.00 | $0.67 | 3.35% | $19.33 |
| $50.00 | $1.45 | 2.90% | $48.55 |
| $100.00 | $2.75 | 2.75% | $97.25 |
| $250.00 | $6.65 | 2.66% | $243.35 |
| $500.00 | $13.15 | 2.63% | $486.85 |
| $1,000.00 | $26.15 | 2.61% | $973.85 |
The fixed 15¢ is what makes small payments expensive: a $5 payment gives up 5.6%, while payments of $500 and more give up about 2.6%.
How the fees add up on one payment
A customer pays $100 into your Business account and you move it to your debit card instantly:
- Payer pays$100.00
- Cash App Business processing fee2.6% × $100.00 + $0.15−$2.75
- Instant deposit fee2.5% × $97.25−$2.43
- You keep$94.82
Cash App first takes 2.6% of $100 plus 15¢, so $97.25 lands in your balance. The instant fee is then charged on that $97.25, not on the original $100: at the top rate of 2.5% it is $2.43. A standard deposit would have cost nothing and left you $97.25.
Instant deposit fees
Cashing out with an instant deposit at the top rate of 2.5% and a $1 minimum:
| Payment amount | Total fees | Fee rate | You keep |
|---|---|---|---|
| $20.00 | $1.00 | 5.00% | $19.00 |
| $50.00 | $1.25 | 2.50% | $48.75 |
| $100.00 | $2.50 | 2.50% | $97.50 |
| $250.00 | $6.25 | 2.50% | $243.75 |
| $500.00 | $12.50 | 2.50% | $487.50 |
| $1,000.00 | $25.00 | 2.50% | $975.00 |
| $3,000.00 | $75.00 | 2.50% | $2,925.00 |
| $5,000.00 | $75.00 | 1.50% | $4,925.00 |
At the bottom of the range, 0.5% with a $0.25 minimum, the same transfers cost far less: $0.25 on $20, $0.50 on $100, $5.00 on $1,000. The minimum weighs most on small transfers: $1.00 on $20 is 5% at the top rate. The $75 cap works the other way, so $5,000 costs the same $75.00 as $3,000. If your card turns out not to support instant deposits, Cash App refunds the fee and the money arrives in 1–3 business days.
Standard deposits are free, but they can’t go to a Mastercard debit card. Link a bank account if you want the free option.
Business account, personal account or Earn in P2P?
Personal payments are free to send and receive. The catch is that they are for personal use: Cash App’s terms let it require you to open or switch to a Business account if it decides you are selling with a personal one. Once you are on a Business account, every payment pays 2.6% + 15¢, and Tap to Pay payments in person pay a flat 3% ($1.35 on a $45 sale) with nothing charged to your customer.
On September 10, 2026 Cash App announced Earn in P2P, a pilot that lets eligible sole proprietors take payments for goods and services in a personal account with no fee. It isn’t open to LLCs or corporations, needs your full Social Security number on file, and Cash App says it can add fees with advance notice. If the option appears in your app, pick “Earn in P2P” above to compare.
Credit cards, cash deposits and ATMs
- Sending from a credit card costs the sender 3%: $6.00 on $200. Turn on “They’re paying with a credit card” for a personal payment to see the sender’s total.
- Paper money deposits cost $1 each, taken from the cash: $20 becomes $19 in your balance. Deposits must be $5 to $500.
- ATM withdrawals cost $2.50, plus whatever the ATM’s owner charges at most out-of-network ATMs. Cash App Green makes in-network withdrawals free, but since November 5, 2025 Cash App no longer pays back fees at out-of-network ATMs.
Cash App Pay fees for merchants
When a customer pays with Cash App Pay at your checkout, the customer pays nothing and your processor charges you. Square charges it at your card rate: 2.6% + 15¢ in person and 3.3% + 30¢ online on Square Free or a legacy plan, less on Plus and Premium. Stripe charges 2.9% + 30¢. On a $50 sale that is $1.45, $1.95 and $1.75. That money lands in your Square or Stripe balance, so their payout rules apply; see the Square fee calculator and the Stripe fee calculator.
Ways to keep more of each sale
- Use standard deposits. They are free; instant deposits cost up to 2.5%.
- Cash out in fewer, larger transfers if you do go instant. The minimum fee hits small transfers hardest, and the $75 cap helps very large ones.
- Ask friends to pay from their balance or debit card, which is free for them, instead of a credit card.
- Take fewer, larger payments where you can. Each payment carries its own 15¢.
- Check whether Earn in P2P is offered to you if you sell as a sole proprietor.
- Compare before you choose an app. The Venmo fee calculator and PayPal fee calculator show the same payment on those apps.
Recent Cash App fee changes
- September 10, 2026Earn in P2P pilot: eligible sole proprietors can take payments for goods and services in a personal account with no fee, instead of 2.6% + $0.15 in a Business account. Cash App can add fees later with advance notice.source
- February 23, 2026Cash App’s updated terms for Instant Transfer fees take effect: 0.5%–2.5% of the amount, with a $0.25–$1 minimum and a $75 maximum. Its Send page still quotes the earlier 0.5%–1.75% with a $0.25 minimum.source
- November 13, 2025Cash App Green launches: spending $500 a month with the Cash App Card or Cash App Pay now also earns free in-network ATM withdrawals (normally $2.50), not only $300 a month in qualifying deposits.source
- November 5, 2025Cash App stops reimbursing fees at out-of-network ATMs: there you now pay its $2.50 plus any operator fee. In-network withdrawals stay free for customers who qualify (now through Cash App Green).source
- July 15, 2025Tap to Pay on iPhone comes to Cash App Business: sellers take contactless cards and digital wallets in person on their iPhone, with no extra hardware. Cash App’s help center lists the fee as a flat 3% per payment.source
We re-check Cash App’s fee pages every day and update this calculator when they change. If your Activity tab shows a different figure, use the “Something’s off” button under the result.