Calculate your Cash App fee
Reverse calculator — what to charge
Want to keep a set amount after Cash App's cut? Enter it and get the amount to charge (or cash out). Uses the type picked above.
Fee at common amounts
| Amount | Cash App fee | You keep |
|---|
Cash App is free for personal payments and standard (1–3 day) transfers. You pay a fee for speed and for business: instant transfers cost 0.5%–2.5% (minimum $0.25–$1, maximum $75), Business account payments cost 2.6% + $0.15, Tap to Pay costs 3%, and sending with a credit card costs the sender 3%.
Cash App fees 2026
| Action | Fee | $100 example |
|---|---|---|
| Send or receive (bank, debit, balance) | Free | $0.00 |
| Standard transfer to bank (1–3 business days) | Free | $0.00 |
| Instant transfer to bank or debit card | 0.5%–2.5% ($0.25–$1 min, $75 max) | $0.50–$2.50 |
| Payment received to a Business account | 2.6% + $0.15 | $2.75 |
| Tap to Pay (in person) | 3% | $3.00 |
| Send with a credit card | 3% (sender pays) | $3.00 |
| Paper money deposit at a store | $1 per deposit | $1.00 |
| ATM withdrawal | $2.50 (can be waived with qualifying deposits or spend) | — |
Rates checked 20 October 2026 on Cash App's official pages: Business fees, fees overview and terms.
Cash App instant transfer fee, explained
Cash App no longer charges everyone the same instant fee. Your rate sits somewhere between 0.5% and 2.5%, with a minimum of $0.25 to $1 and a cap of $75. The app shows your exact fee on the screen before you confirm the transfer — type that percentage into the calculator above and it will match.
The easy way to pay $0: choose the standard transfer. It's free and lands in 1–3 business days. Instant only buys speed.
Selling with Cash App? Compare first
On business payments, Cash App's 2.6% + $0.15 is higher than Venmo's 1.9% + $0.10 at every amount — see the full math in Venmo vs Cash App fees. Taking card payments online? Check the PayPal fee calculator and Stripe fee calculator too.
Cash App fees — quick answers
How much does Cash App charge to cash out instantly?
Instant transfers cost 0.5% to 2.5% of the amount, with a minimum fee of $0.25 to $1 and a maximum of $75. Cash App sets your exact rate and shows it before you confirm. Standard transfers that take 1–3 business days are free.
What is the Cash App fee for $100?
Sending $100 to a friend from your balance, bank or debit card is free. Cashing out $100 instantly costs $0.50 to $2.50 depending on your rate. Receiving $100 into a Business account costs $2.75 (2.6% + $0.15).
What is the Cash App business fee?
Cash App charges 2.6% + $0.15 on each payment a customer sends to your Cash App Business account, and 3% on Tap to Pay payments. The fee is taken from the payment before it reaches your balance.
Does Cash App charge for using a credit card?
Yes. Sending money with a linked credit card costs the sender 3% of the amount. Using a debit card, your bank account or your Cash App balance is free.
How do I avoid Cash App fees?
Use standard transfers instead of instant, fund payments from your balance, bank or debit card instead of a credit card, and use a personal account only for friends and family. For regular sales, compare business rates on other apps first.
General information only. Cash App changes fees from time to time and sets some rates per account — always check the fee shown in the app before you confirm. Not affiliated with Cash App or Block, Inc.