How much does Cash App take?
An independent calculator, not Cash App: nothing to sign in to and nothing to pay here. Enter a sale amount and read the fees.
On a $100.00 sale with the default settings, Cash App takes $2.75 and you keep $97.25 — an effective rate of 2.75%. 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.
| 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% |
Open the Cash App calculator → for your own price, shipping, category and options.
How the fee is built
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.
In Cash App's own words
- | Sending money using your Cash App Balance or debit card in the U.S. | $0 |
- | Receive money | $0 |
- | Send from credit card | 3%** |
- Add money from Credit Card: 3%**
- Instant Transfer: 0.5%-2.5% ($0.25-$1 min)** (the maximum fee shall not exceed $75)**
- | Transfer to Linked Account (standard transfer) No fee to transfer money from your Cash App Balance to a Linked Account with the standard option. The money is typically available in 1-3 Business Days. | $0 |
- | Transfer to a Linked Account (Instant Transfer) Fee for expedited transfer from your Cash App Balance to a Linked Account. Funds are typically available within minutes. The specific fee amount is disclosed at the time of the transaction. | 0.5%-2.5% ($0.25-$1 min)** (the maximum fee shall not exceed $75)** |
- **For these fees, Cash App uses banker’s rounding to round up or down to the penny, as applicable. Banker’s rounding rounds numbers ending in 5 to the nearest even integer.
Source: 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') · Withdrawal Transfer Speed Options — Cash App Support · Cash App Business Fees — Cash App Support · Cash App Business Terms (Section 6 'Our Fees') · Problems Linking a Credit Card — Cash App Support (no fee amounts) · Bank without all the fees | Cash App (FAQ answers collapsed; no numbers captured) · Stored Balance Long Form Disclosure — Cash App · Send Money Instantly with Cash App (only the cookie banner rendered) · MerchantFeePlans — Cash App Pay Partner API (API schema only; no fee amounts).