Cash App fee calculator
An independent calculator, not Cash App: nothing to sign in to and nothing to pay here. Enter a sale amount and read the fees.
Cash App for Business deducts 2.6% + 15¢ from payments customers send you (3% for Tap to Pay). Instant transfers to a bank cost 0.5% to 2.5% with a 25¢ to $1 minimum and $75 maximum — Cash App shows the exact rate before you confirm. Standard transfers are free.
The nightly check re-reads 14 of the 19 sentences quoted on this page; the rest are in tables or on pages that block automated reading and were verified by a person on 2026-09-08 (1 source page read by a person only).
At a glance (default settings)
| Sale | Fees | You keep | Effective rate |
|---|---|---|---|
| $10.00 | $0.41 | $9.59 | 4.10% |
| $25.00 | $0.80 | $24.20 | 3.20% |
| $50.00 | $1.45 | $48.55 | 2.90% |
| $100.00 | $2.75 | $97.25 | 2.75% |
| $250.00 | $6.65 | $243.35 | 2.66% |
| $500.00 | $13.15 | $486.85 | 2.63% |
| $1,000.00 | $26.15 | $973.85 | 2.62% |
Computed from the schedule with the calculator's default settings; change them above for your case. How much does Cash App take? explains each fee in words.
Where these numbers come from
- US | Terms of Service | Cash App (Section I 'Account Opening Disclosures and Fees'; VII.9 'Peer-to-Peer Service Fees'; XI.4 'Our Fees for Transaction Processing') — read 2026-09-08; the page states "Last updated Last Updated: August 26, 2026"
- Withdrawal Transfer Speed Options — Cash App Support — read 2026-09-08
- Cash App Business Fees — Cash App Support — read 2026-09-08
- Cash App Business Terms (Section 6 'Our Fees') — read 2026-09-08; the page states "Last updated Last Updated: August 25, 2025"
- Problems Linking a Credit Card — Cash App Support (no fee amounts) — read 2026-09-08
- Bank without all the fees | Cash App (FAQ answers collapsed; no numbers captured) — read 2026-09-08
- Stored Balance Long Form Disclosure — Cash App — read 2026-09-08
- Send Money Instantly with Cash App (only the cookie banner rendered) — read 2026-09-08
- MerchantFeePlans — Cash App Pay Partner API (API schema only; no fee amounts) — read 2026-09-08
Personal accounts: sending from the Cash App balance or a debit card is free; sending money funded by a linked credit card costs the sender 3% of the amount (the ToS lists this both as 'Send from credit card 3%' and 'Add money from Credit Card: 3%'); receiving money is free. Standard transfers out to a linked bank/card are free (1–3 business days); Instant Transfer costs 0.5%–2.5% of the amount with a minimum fee of $0.25–$1 and a maximum of $75, with the exact rate only disclosed in-app before confirming. Business accounts: Cash App deducts 2.6% + $0.15 from each payment received from a customer's Cash App account and 3% from each Tap to Pay payment, so the balance credited already nets out the fee. For percentage fees Cash App uses banker's rounding to the penny (numbers ending in 5 round to the nearest even), and fees are deducted first from the collected funds; on a refund Cash App also refunds its fee so the customer gets the full amount back.
Checked against Cash App's own examples
The calculator reproduces every worked example the platform publishes; these are run as tests before any page is built.
- Arithmetic check derived from the published rates: $100 received by a business account. Page says: total fees $2.75, net $97.25. "2.6% + $0.15"
Not included
- ATM withdrawal fee ($2.50, waivable), foreign transaction fee (3%), paper money deposit ($1)
- Cash App Card / Debit Flex Card fees (expedited shipping $15, replacement $5 / $50) and Cash App Tag fees (up to $250; $15 expedited shipping)
- Remittance Service fees ($1.99 / $3.98 tiers)
- Bitcoin and stock investing fees, Afterpay, Cash App Lending, overdraft
- Chargebacks (Business Terms reserve the right to charge a mediation fee; no amount stated)
Notes
- Instant Transfer is a published RANGE (0.5%–2.5%, minimum $0.25–$1, maximum $75); the exact percentage is only shown in-app before confirming, so a calculator can only bound the fee (e.g. show the 0.5% and 2.5% cases) or take the rate as an input.
- The ToS lists the credit-card charge twice with different labels — 'Send from credit card 3%' (Prepaid Account fee table and P2P section) and 'Add money from Credit Card: 3%' (Details About Your Cash App Balance) — both 3% and both subject to banker's rounding.
- Cash App Business 'Tap to Pay' is stated as a flat 3% with no fixed component, versus 2.6% + $0.15 for payments from a customer's Cash App account; no base definition beyond 'each payment you receive' is given (tips/tax not addressed).
- Cash App Pay acceptance by merchants is priced by the merchant's processor, not by Cash App: Square's legacy list shows Cash App Pay at 2.6% + 15¢ (card-present) / 3.3% + 30¢ (card-not-present) and Stripe lists Cash App Pay at 2.9% + 30¢ — those are Square/Stripe pages, not cash.app pages.
- cash.app help pages are JavaScript-rendered (plain HTTP returns an empty body); cash.app/cardfees returned HTTP 405 in both plain and browser fetches; cash.app/send rendered only a cookie banner. The ToS contains the same fee disclosures, so nothing is missing.
- Cash App Business Terms specify fees are deducted first from collected funds and that Cash App refunds its fee when the business refunds a customer.
- Search-engine snippets returned an older '0.5%–1.75%' instant-transfer range; the loaded pages say 0.5%–2.5%, and only the loaded pages were used.
- Cash App states it uses banker's rounding to the penny; this calculator rounds half up, which can differ by one cent at exact half-cents.
See a mistake? The schedule file behind this page is public; corrections that cite the platform's page are applied.