Cash App Fee Calculator
The Cash App Fee Calculator helps you estimate fees for various transactions, ensuring transparency and informed financial decisions. Below, explore the fee structure for personal and business accounts, including details on credit card payments, instant deposits, ATM withdrawals, and more. Use this information alongside the Cash App Fee Calculator to plan your transactions effectively and understand associated costs.
Cash App Fee Structure (2025)
| Transaction Type | Personal Account | Business Account |
|---|---|---|
| Sending Money (Debit/Bank) | Free | Free |
| Sending Money (Credit Card) | 3% | 3% |
| Receiving Money | Free | 2.75% |
| Instant Deposit | 0.5%-1.75% (min $0.25) | 0.5%-1.75% (min $0.25) |
| Standard Deposit | Free | Free |
| ATM Withdrawal | $2.50 (waived with $300+/month direct deposits) | Not applicable (no Cash Card) |
| Bitcoin Transactions | Variable (0.75%-3%) | Variable (0.75%-3%) |
Frequently Asked Questions
How can I avoid Cash App fees?
Use a debit card or bank account for sending money to avoid the 3% credit card fee. Opt for standard deposits (1-3 days) instead of instant deposits to avoid the 0.5%-1.75% fee. Set up direct deposits of $300+/month to waive ATM fees.
What determines the instant deposit fee rate?
The instant deposit fee ranges from 0.5% to 1.75% (minimum $0.25) based on transaction amount and Cash App’s internal factors, such as account history and risk assessment. Exact fees are shown before confirming the transfer.
Are business account fees different from personal accounts?
Yes, business accounts pay a 2.75% fee for receiving payments for goods/services, while personal accounts receive money for free. Other fees, like credit card (3%) and instant deposits (0.5%-1.75%), are the same for both.
Can I use a Cash App Card with a business account?
No, business accounts cannot use a Cash App Card. To withdraw funds, transfer to a personal account or linked bank account. ATM withdrawals ($2.50) are only available for personal accounts with a Cash Card.
Are there fees for Bitcoin transactions?
Yes, Cash App charges a variable fee (typically 0.75%-3%) for buying or selling Bitcoin, based on market conditions. The exact fee is displayed before confirming the transaction.