As of October 2026, Cash App charges nothing to send or receive money from your balance or debit card, but instant transfers cost 0.5% to 2.5% (minimum $0.25 to $1, maximum $75) and each ATM withdrawal costs $2.50, according to Cash App's fee page. Sending from a credit card adds 3%, and Cash App Business accounts pay 2.6% + $0.15 per payment received, per Cash App's business fees page.
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Cash App has no monthly fee, so most costs come from choices: moving money out instantly, withdrawing cash, paying with credit, spending abroad or selling through a business account. The sections below go through each fee with the Cash App page that sets it.
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Sending money from your Cash balance or a linked debit card is free, and so is receiving money on a personal account. The fee appears when a credit card funds the payment. Business accounts work differently, since they pay a processing fee on money they receive from customers.
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Cash App's send money page says it is free to receive money on a personal account and free to send from your Cash balance or linked debit card, and that Cash App charges a 3% fee to send money from a linked credit card. The fee transparency page also says Cash App does not charge monthly fees or overdraft fees.
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Moving money from Cash App to a bank or debit card comes in two speeds. Standard transfers are free and take a few business days. Instant transfers arrive almost at once but cost a percentage of the amount, within a minimum and a maximum, and Cash App shows the exact fee before you confirm.
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Cash App's withdrawal speed options help page says standard transfers are free and usually arrive within 1 to 3 business days, while instant transfers are subject to a 0.5% to 2.5% fee, with a minimum of $0.25 to $1 and a maximum of $75. The fee transparency page gives the same range and adds that Cash App uses banker's rounding to the nearest penny.
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Cash App does not publish which rate inside that range applies to which transfer, so the fee shown in the app before you confirm is the figure to rely on. One Cash App marketing page, the send money FAQ, still quotes an older 0.5% to 1.75% range with a $0.25 minimum; the help center page above is the more specific source.
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The table lists the Cash App fees most users meet, each linked to the Cash App page that states it as fetched in October 2026. Bitcoin and stock trading fees, Borrow and Afterpay terms are outside the scope of this table.
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Cash App charges a flat fee each time you withdraw cash with the Cash App Card, and most ATM operators outside the network add their own charge on top. Customers who qualify for Cash App Green get free withdrawals at in network ATMs, but out of network operator fees are no longer reimbursed.
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Per Cash App's ATM fees help page, the Cash App Card works at any ATM with a $2.50 fee charged by Cash App. The same Cash App page says customers qualify for unlimited free in network withdrawals through Cash App Green by spending $500 or more in qualifying purchases or receiving $300 or more in qualifying paycheck deposits, and that as of 11/05/2025 Cash App no longer reimburses out of network ATM fees.
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The fee transparency page describes the in network count as over 40,000 ATMs.
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Cash App Business accounts are free to open and need no extra hardware, but every payment received carries a processing fee, deducted before the money reaches the balance. Tap to Pay payments use a different rate. Moving the money out afterwards follows the same standard and instant transfer pricing as personal accounts.
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Cash App's business fees page lists a 2.6% + $0.15 processing fee on each payment a business account receives from a customer's Cash App account, and a 3% processing fee on each payment accepted through Tap to Pay. The same help page says the fee for each payment appears in the Activity tab.
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To check a specific fee on a business payment, Cash App lists these steps:

Spending with the Cash App Card outside the United States carries a percentage fee on each transaction. Cash App waives it for in person card transactions in months when you meet its spending or deposit thresholds. Cash App accounts themselves are available only to United States residents.
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The fee transparency page lists a 3% foreign transaction fee on international Cash App Card use, waived for in person transactions when you spend $500 or more in qualifying purchases or receive $300 or more in qualifying deposits that month. The send money page states only residents of the United States can create Cash App accounts.
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Cash App's headline message is no monthly or hidden fees, and for basic sending that holds. The gaps show up in variable pricing and in benefits that depend on monthly activity. Fees also change, so the in app disclosure before each transaction is the figure that counts.
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First, the instant transfer fee is a range rather than a single rate, and Cash App's own pages quote two different ranges, the help center and the send page. Second, free in network ATM withdrawals and the foreign fee waiver depend on hitting spending or deposit thresholds each month, per the ATM fees page. Third, Cash App describes itself as a financial services platform rather than a bank, with banking services provided by partner banks, per its fee transparency page.
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Basic sending and receiving is free. Cash App's fee page says fees for things like instant transfers or ATM withdrawals are shown before you continue.
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Choose a standard transfer instead. Cash App's help page says standard transfers are free and usually arrive within 1 to 3 business days.
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No. Cash App says on its fee transparency page that it never charges overdraft fees.
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Cash App's help page suggests contacting your bank with the reference number from the withdrawal receipt in the Activity tab.
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Cash App describes itself as a Block, Inc. brand. See who owns Cash App and Square for the full picture.
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Fees in this article come from Cash App pages fetched on October 5, 2026: fee transparency, withdrawal transfer speed options, ATM fees on Cash App Card, Cash App Business fees and send money. Where two Cash App pages disagree, both are cited. Cash App can change fees, so check the app before a transaction.
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