Cash App Fees Calculator

Cash App Fees Calculator for Every Transaction Type (2023)

Want a rundown of any Cash App fees you might expect?

You’re in the right place!

This Cash App fee calculator article will discuss:

Whether you’re looking for info on a specific Cash App charge or just looking for a list of what types of Cash App fees to expect, we’ve got that here.

Let’s dig right into it!

Is Cash App Free?

Cash App is a free app that allows you to send money to friends and family for no cost.

The core functions of Cash App—making peer-to-peer payments and transferring money to a bank account—are also free.

Cash App earns money by charging businesses for using its software and individuals for accessing additional features.

Does Cash App Charge Fees?

Standard deposits can be made to your bank account and instant deposits to your linked debit card with the Cash App.

Standard payments are fee-free and arrive within 1-3 business days.

With a minimum charge of $0.25, instant deposits are subject to a 1.5% charge (which is waived if you deposit at least $1,000).

How Much Does Cash App Charge to Cash Out?

It depends on which cash out speed you opt for.

Check out our guide to what does cash out mean on Cash App for a more detailed breakdown.

For the simple, short answer…

Standard deposits are free and arrive within 1-3 business days.

And instant?

Instant Deposits are subject to a 1.5% fee (with a minimum fee of $0.25) but arrive on your debit card instantly.

As long as your card accepts instant transfers, you can choose either method. [1]

Various Cash App Fees

If you use a credit card to make a payment, Cash App charges a 3% fee.

Various Cash App Fees

If you use a debit card or bank account to pay instead of your credit card, there is no cost.

Cash App also collects a 1.5 percent charge if you request an instant transfer of money from your Cash App account to your linked debit card.

This Cash App percentage is pretty normal.

This is a reasonable fee in comparison with other money transfer solutions; for example, Venmo charges 3% to move funds using a linked credit card.

Cash App Card Fees

There are no monthly charges, money transfer fees, inactivity penalties, or foreign transaction costs with the Cash App.

There’s also a free debit card that comes with it.

Users can make purchases and withdraw cash from their Cash App account using the “Cash Card.”

Or you also have a Cash App account number & routing number that you can use to pay for purchases or payments just like you would a normal bank account as well.

Cash App Credit Card Fee

You’ll pay a 3% fee when you make a purchase via Cash App with a credit card.

Use a debit card or link your bank account to avoid paying the charge.

Because debit and bank account transactions are free, using one is an excellent way to save money!

Cash App Withdrawal Fee

Cash Cards are a type of debit card that works at any ATM and have a fee imposed by Cash App.

Most ATMs will charge an additional fee for using a card from a different bank.


There is a way to get the ATM fee reimbursed if you have direct deposit set up! [2]

Cash App Fees to Receive Money

Cash App fees are minimal, even if you’re getting money from places other than your bank.

Withdrawals aren’t completely free, but the fee is reasonable at $2 per transaction (within their set limits). [3]

And how to avoid this fee?

You will not be charged anything if you use Cash App to send or receive money with a Cash App balance.

If you utilize a linked credit card to transfer funds, however, Cash App charges that 3% fee.

You will not be charged any fees when using your debit card or bank account to make payments on the Cash App.

Cash App Fee Calculator FAQs

Are there Cash App investing fees for using the stock and Bitcoin purchasing options?

There are Cash App fees for using the Cash Card, but there is no fee for using Cash App to purchase stocks and Bitcoin.

Does Cash App charge a minimum fee?

No; Cash App does not have a minimum limit before charging fees. Cash App calculates its charges based on the amount or speed of your transaction.

Where can I load money to my card?

If you’re wondering…where can I load my Cash App card? There are a few different options. Check out the linked article for more information on your choices.

How much does Cash App cost to use over time?

Cash App has low-cost per-use charges that add up fast if you’re transferring large amounts of money back and forth. The best way to avoid these charges is by linking your bank account and making standard deposits whenever possible instead of instant.


  1. Debit Card Accepting Instant Deposit
  2. Free ATM Withdrawals
  3. ATM Withdrawal Limits

James Allen, a finance enthusiast with 10+ years of experience, founded Billpin in 2020 to demystify personal finance. Inspired by his mother’s frugality and his own financial expertise, James aims to transform people’s relationship with money. Through this site, he provides easy-to-understand guides, empowering individuals to manage their finances effectively and take control of their financial future.

Content Disclaimer: Opinions expressed here are the authors alone, not those of any companies mentioned, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

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