Get Your Money Faster. Know the Cost.
Cash App Fee Calculator
Cash App is one of the easiest ways to send money, but "Instant" comes at a price. While standard transfers are free, hitting that "Instant Cash Out" button triggers a variable fee that changes based on the amount you transfer.
Whether you are a gig worker cashing out your weekly earnings, a business owner accepting payments, or just splitting a dinner bill, fees can sneak up on you.
Our Cash App Fee Calculator eliminates the surprise. Use this tool to calculate your Instant Deposit fees, Credit Card sending costs, and Business Profile deductions instantly.
Cash App Fees at a Glance
Cash App fees vary depending on speed and the source of your funds. Here is the current fee structure used by our calculator:
| Transaction Type | Fee Rate | Best For |
| Standard Cash Out | Free | Users who can wait 1-3 business days for funds to arrive. |
| Instant Deposit | 0.5% – 1.75% | Users who need money on their debit card immediately. (Min fee: $0.25) |
| Send via Credit Card | 3.00% | Sending money to friends using a linked Credit Card. |
| Business Profile (Receive) | 2.6% + $0.10 | Businesses and freelancers accepting payments for goods/services. |
| ATM Withdrawal | $2.50 | Withdrawing cash at an ATM (Free if you have $300+ in direct deposits). |
Deep Dive: Understanding Your Costs
1. The "Instant Deposit" Variable Fee
Unlike other apps that have a fixed percentage, Cash App uses a variable rate for instant transfers.
- The Rate: Between 0.5% and 1.75%.
- The Minimum: There is always a minimum fee of $0.25.
- The Math:
- If you transfer $10.00, 1.75% is only $0.17. However, the $0.25 minimum kicks in, making your effective rate 2.5%.
- If you transfer $1,000, you will typically pay around $17.50 (1.75%) for instant access.
- Pro Tip: Always check the confirmation screen. Cash App will show you the exact dollar amount before you confirm the transfer.
2. Cash App for Business Fees
If you have a "Cash App for Business" account, you pay a fee on every incoming payment. You cannot avoid this if you are a business profile.
- The Rate: 2.6% + $0.10 per transaction.
- The Scenario: You sell a product for $50.00.
- Percentage: $50 × 0.026 = $1.30
- Fixed Fee: $0.10
- Total Fee: $1.40
- You Keep: $48.60
- Note: If you use "Tap to Pay" on iPhone/Android to accept a card in person, the fee increases to 3%.
3. The Credit Card "Sender" Fee
Sending money to friends is free if you use your Cash Balance or a linked Debit Card. However, if you fund the payment with a Credit Card:
- The Rate: 3.00% (Charged to the Sender).
- The Scenario: You send a friend $100 for concert tickets using your Visa Credit Card.
- The Cost: Cash App charges your card $103.00. Your friend receives $100.00.
Hidden Costs: ATM & Bitcoin Fees
- ATM Withdrawals: Cash App charges $2.50 for every ATM withdrawal.
- How to waive it: If you receive at least $300 in direct deposits (paychecks) per month, Cash App will reimburse your ATM fees.
- Paper Money Deposit: depositing physical cash at a participating retailer (like 7-Eleven or Walgreens) costs $1.00 per transaction.
- Bitcoin Service Fees: Buying or selling Bitcoin on Cash App incurs a service fee that varies based on market volatility (typically around 2%).
Cash App vs. Venmo vs. Zelle
| Feature | Cash App | Venmo | Zelle |
| Instant Cash Out | 0.5% - 1.75% | 1.75% (Max $25) | Free (Bank dependent) |
| Standard Cash Out | Free (1-3 Days) | Free (1-3 Days) | Instant (Free) |
| Business Fee | 2.6% + 10¢ | 1.9% + 10¢ | Varies by Bank |
| Credit Card Send | 3.00% | 3.00% | Not Supported |
Verdict: Zelle is the cheapest for bank transfers (Free), but Cash App offers better speed and crypto options.
Frequently Asked Questions (FAQ)
How do I lower my Instant Deposit fee?
You cannot lower the percentage, but you can avoid the "Minimum Fee" trap. Because there is a $0.25 minimum, try to avoid instant transferring small amounts (like $5 or $10). Accumulate a larger balance before cashing out to lower your effective percentage.
Is Cash App free for business?
Creating the account is free, but accepting payments is not. You will pay 2.6% + $0.10 on every transaction. If you try to use a Personal account for business to avoid fees, Cash App may ban your account or hold your funds.
Does Cash App refund the fee if I get a refund?
No. If you use a credit card to send money (paying the 3% fee) and the recipient refunds you, you do not get the 3% fee back. The recipient returns the $100, but the $3 fee is lost.
What is the limit for Cash App instant transfers?
Limits vary by user history. New accounts can typically send/cash out up to $1,000 per 30-day period. Verifying your identity (SSN, ID) can increase these limits significantly.
Why was I charged $2.50 at the ATM?
That is the standard Cash App ATM fee. To get free ATM withdrawals, you must set up direct deposit and receive at least $300 in paychecks each month.
Ready to Cash Out?
Don't let the variable rates confuse you. Scroll up to the Cash App Fee Calculator to see exactly how much cash will hit your bank account today.