Cash App fee calculator
What the fee costs and what actually lands.
This rate is not the same for everyone: Cash App charges between 0.5% and 2.5% depending on the account, with a minimum of $0.25 to $1 and a maximum of $75. The app shows your rate before you confirm the transfer, so enter that number for an exact result.
Rates checked 30 September 2026, against Cash App's terms of service. Fee structures change without notice, so confirm against Cash App before relying on this. Nothing you type here leaves your browser.
Cash App charges nothing for standard transfers, which arrive in one to three business days. Instant transfers carry a percentage fee that varies by account, with a minimum charge. Business accounts pay a percentage on payments received, and sending with a credit card carries its own fee. Personal receiving and standard deposits are free.
What the calculator does
Enter the amount and the transaction type, and it shows the fee and what actually lands.
Where the fees apply
Standard transfer. Free, arrives in one to three business days. Instant transfer. A percentage of the amount with a minimum charge. This is the one people get wrong, because the rate is not the same for everyone: it varies by account and history, so the app shows your rate at the point of transfer. Credit card send. A percentage on top, which is why sending from a credit card is the most expensive route. Business account receiving. A percentage deducted from each payment received. Personal accounts receiving money pay nothing.
Rates confirmed against Cash App’s terms of service on 30 September 2026. Because the instant transfer rate varies by account, the calculator lets you enter the rate the app shows you.
Why the fee is worth calculating
For a one-off transfer the difference is small. For anyone using Cash App as a payment method for work, it compounds: a percentage on every payment received plus a percentage every time money moves out is two deductions on the same money, and neither is visible in your bank statement afterwards.
The number worth knowing is not the fee on one transfer. It is what you paid last month.
FAQ
How much does Cash App charge for an instant transfer? A percentage of the amount with a minimum charge, and the rate depends on your account rather than being the same for everyone. The app shows your rate before you confirm.
Is Cash App free? Sending with a debit card, receiving on a personal account and standard deposits are free. Instant transfers, credit card sends and business payments received are not.
How do I avoid Cash App fees? Use standard transfers if you can wait one to three business days, and send with a debit card rather than a credit card.
Does Cash App charge for business payments? Yes, business accounts pay a percentage on payments received. Personal accounts do not.
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