Cash App charges no monthly, account, or inactivity fees, and standard sending, receiving, and cash-outs are free; you pay only for speed, cash access, credit-card funding, and borrowing. Seven actions carry a fee in 2026: instant cash-outs, ATM withdrawals, paper-money deposits, credit-card sends, card replacements, foreign transactions, and Borrow loans. Here is every charge in one table, what each one costs in dollars, and the free route around most of them.
What are all the Cash App fees in 2026?
The complete list, matched to the current terms of service and card agreement:
| Action | Fee |
|---|---|
| Send or receive money (balance, debit card, or bank) | Free |
| Send money with a credit card | 3% |
| Standard cash-out to bank (1 to 3 business days) | Free |
| Instant cash-out to bank or debit card | 0.5% to 2.5%, min $0.25 to $1, max $75 |
| ATM withdrawal | $2.50 plus the ATM owner’s fee; waived in-network with Green status |
| Paper-money deposit at a store | $1 per deposit; waived with Green status |
| First Cash App Card | Free |
| Replacement card | $5 (metal $50; custom designs from $5) |
| Foreign transactions | 3%; waived in person with Green status |
| Direct deposit | Free |
| Borrow loan | 5% flat finance charge |
| Stocks and ETFs | Commission-free |
| Bitcoin | Variable fee plus price spread, shown before you confirm |
| Business account receiving | 2.6% + $0.15 per payment (3% Tap to Pay) |
| Monthly, account, or inactivity fee | None |
The sections below break down the fees people actually hit, with the avoidance route for each.
How much is the Cash App instant transfer fee?
Instant cash-outs cost 0.5% to 2.5% of the amount, with a minimum of $0.25 to $1 and a maximum fee of $75. Cash App sets your exact rate inside that range and shows it before you confirm, per the current terms of service. On $100, expect roughly $0.50 to $2.50; on $1,000, $5 to $25.
The free route: choose the standard transfer, which arrives in 1 to 3 business days and costs nothing. If the money can wait even one day, the fee is entirely avoidable. Both speeds and their caps are covered in our guide to withdrawing money from Cash App.
What does the Cash App ATM fee cost?
Cash App charges $2.50 per ATM withdrawal, and the ATM’s owner usually adds a fee of its own on top. The waiver: reach Green status by receiving $300 or more in monthly direct deposits, and in-network ATM withdrawals become free. Withdrawals are capped at $1,000 per 24 hours and per 7 days; the full caps live in Cash App limits.
The cheaper route for cash without Green status is cash back at a store register, which most retailers offer free with a purchase.
Does Cash App charge a fee to send money?
No, sending is free from your balance, a linked debit card, or a bank account; only credit-card sends cost 3%. Receiving money is always free on a personal account.
Can you use a credit card on Cash App at all? Yes, for sending money to people, at the 3% fee, and your card issuer may treat the payment as a cash advance with its own interest. A credit card cannot add money to your own balance; adding cash works only from a bank or debit card, as covered in adding money to your Cash App card.
What does the Cash App Card cost?
Your first Cash App Card is free, a replacement costs $5, a metal replacement costs $50, and custom designs start at $5, per the Sutton Bank card agreement’s fee schedule. There is no fee to use the card for purchases in the US. Foreign transactions cost 3%, waived for in-person purchases once you hold Green status. Ordering and activation steps are in our guide to ordering a new Cash App Card.
What fees does Cash App Borrow charge?
Borrow charges a 5% flat finance charge on the amount you take, per the official Borrow Loan Agreement: borrow $100, repay $105, on a four-week schedule for loans between $20 and $500. Pay the loan off early and Cash App refunds the excess finance charge pro rata.
Late costs are where Borrow gets expensive: 1.25% per week on the outstanding balance, plus a $5 Outstanding Balance Fee if you are 4 or more days late on a schedule other than the recommended one. Eligibility and the full walkthrough are in borrowing money from Cash App.
What are the Cash App business account fees?
Business accounts pay 2.6% + $0.15 on every payment they receive, and 3% for Tap to Pay; personal accounts receive for free. That receiving fee is the main functional difference between the two account types, compared side by side in Cash App personal vs business accounts, with the caps in business account limits.
How do you avoid Cash App fees?
Five habits remove almost every fee on the table:
- Use standard cash-outs, not instant, and the transfer fee disappears.
- Send from your balance, debit card, or bank, never a credit card.
- Set up $300+ in monthly direct deposits for Green status: free in-network ATMs, free paper-money deposits, and waived in-person foreign fees.
- Take cash back at registers instead of ATMs when you lack Green status.
- Repay Borrow on schedule; the 5% flat fee is fixed, but the 1.25% weekly late charge compounds the cost fast.
The remaining fees, credit-card sends and business receiving, are structural: they fund the feature itself. What every fee funds and how the app makes money is part of how Cash App works.
Key takeaways
- Cash App has no monthly, account, or inactivity fees; core sending and receiving are free.
- Instant cash-outs cost 0.5% to 2.5% (max $75); the standard 1-to-3-day transfer is free.
- ATM withdrawals cost $2.50 plus the operator fee; Green status ($300+ monthly direct deposits) waives it in-network.
- Credit-card sends cost 3%; debit, bank, and balance sends cost nothing.
- Borrow charges a flat 5%, and late repayment adds 1.25% per week.
