Cash App Fee Calculator

Calculate Cash App transfer fees including standard, instant, credit card, and business transactions.

Total Cost
$100.00
Transfer Amount $100.00
Fee (0%) $0.00
Recipient Receives $100.00

How to Use the Cash App Fee Calculator

Calculate Cash App fees by selecting your transfer type and entering the amount. Cash App offers several payment and transfer methods, each with different fees. This calculator helps you determine the exact cost before sending money.

  1. Select your transfer type (standard, instant, credit card, or business)
  2. Enter the transfer amount in dollars
  3. Results show the fee amount and total cost instantly
  4. Compare different transfer types to find the most cost-effective option

Cash App Fee Structure

Standard Bank Transfer (ACH):

Fee = $0 (Free) Processing Time = 1-3 business days

Instant Transfer:

Fee = Amount × 1.5% (minimum $0.25) Processing Time = Minutes

Credit Card Payment:

Fee = Amount × 3% Processing Time = Instant

Business Transaction:

Fee = Amount × 2.75% For receiving payments to business accounts

For example, sending $100 via instant transfer costs $1.50, while using a credit card to send $100 costs $3.00. Standard bank transfers are free but take 1-3 business days.

Common Cash App Fee Examples

  • $50 Standard Transfer: $0 fee (free), recipient gets $50
  • $100 Instant Transfer: $1.50 fee, total cost $101.50
  • $200 Credit Card: $6.00 fee, total cost $206.00
  • $500 Business Transaction: $13.75 fee deducted from payment
  • $1000 Instant Transfer: $15.00 fee, total cost $1015.00

Understanding Cash App Fees

Cash App offers free person-to-person transfers when linked to a debit card or bank account. Standard bank transfers (ACH) to your linked bank are also completely free, though they take 1-3 business days to process. This makes Cash App attractive for non-urgent transfers.

Instant transfers allow you to access your Cash App balance immediately, but come with a 1.5% fee (minimum $0.25). This fee is calculated on the transfer amount and is worth it when you need immediate access to funds. The money typically arrives in your bank account within minutes.

Using a credit card to add money or send payments incurs a 3% fee. This is because credit card companies charge Cash App interchange fees, which are passed on to users. Debit cards don't have this fee, making them the preferred payment method for most users.

Business accounts on Cash App pay a 2.75% fee when receiving payments from customers. This is competitive with other payment processors and includes features like customer management, payment tracking, and tax reporting tools.

Frequently Asked Questions

Yes, Cash App is free for standard person-to-person transfers using a linked debit card or bank account. Standard bank transfers (ACH) are also free but take 1-3 business days. Fees only apply to instant transfers (1.5%), credit card payments (3%), and business transactions (2.75%).
Cash App charges 1.5% for instant transfers with a minimum fee of $0.25. For example, instantly transferring $100 to your bank costs $1.50, while transferring $500 costs $7.50. The money typically arrives in your bank account within minutes.
Credit card companies charge Cash App interchange fees (typically 2-3%), which Cash App passes directly to users. Using a debit card or bank account instead avoids this fee entirely. The 3% fee applies whether you're sending money or adding funds to your Cash App balance.
Cash App charges businesses 2.75% to receive payments from customers. This fee is automatically deducted from the payment amount. For example, if a customer pays $100, you receive $97.25. This rate is competitive with Square, PayPal, and other payment processors.
Unverified accounts can send up to $250 per week and receive up to $1,000 per month. Verified accounts (with SSN and full identity verification) can send up to $7,500 per week and receive unlimited amounts. Individual transfer limits may be lower for new accounts.
Yes, use standard bank transfers instead of instant transfers, link a debit card or bank account instead of a credit card, and avoid business transactions if sending personal payments. These strategies ensure free transfers, though you'll need to wait 1-3 business days for standard transfers to complete.
Yes, Cash App includes a small margin in the Bitcoin price (typically 1-2%) when you buy or sell. This is separate from standard transfer fees. There are no fees for sending Bitcoin to external wallets, but network fees may apply depending on blockchain congestion.
If a payment is refunded, any fees you paid are also refunded. For example, if you paid a 3% credit card fee, you'll get that fee back along with the payment amount. However, Cash App payments are typically instant and non-reversible, so only send money to people you trust.

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