How to use the Cash App fee calculator
- Enter an amount. In the default mode it is what the sender sends; switch to Recipient should get this amount to work backwards from a target.
- Choose how the sender pays. Balance, debit card and bank are free; a credit card adds 3%.
- Choose the recipient’s account. Personal accounts receive free; Cash App for Business accounts pay 2.75% on each payment received.
- Choose how the recipient cashes out. Standard deposit is free; instant deposit charges 0.5%–1.75% with a $0.25 minimum. Drag the rate slider to match the rate your app shows.
- Read the result: what the sender is charged, what lands in the recipient’s Cash App, what reaches the bank, and total fees as a percentage.
Cash App fees at a glance
These are the rates as published by Cash App at the time of writing. They can change, and the app shows the exact fee before you confirm, so verify on cash.app before relying on them.
| Action | Fee | Who pays |
|---|---|---|
| Send from balance, debit card or bank | Free | – |
| Send with a credit card | 3% of the amount | Sender, added on top |
| Receive a personal payment | Free | – |
| Receive on a Cash App for Business account | 2.75% per payment | Recipient, deducted from the payment |
| Standard deposit to bank (1–3 business days) | Free | – |
| Instant deposit to debit card | 0.5%–1.75%, minimum $0.25 | Person cashing out |
| Cash Card ATM withdrawals, paper money deposits, bitcoin | Vary; see the app | Account holder |
Worked examples
| Scenario | Sender charged | Fees | Recipient ends with |
|---|---|---|---|
| $100 personal payment from debit card, standard deposit | $100.00 | $0.00 | $100.00 |
| $100 from a credit card to a personal account | $103.00 | $3.00 | $100.00 |
| $100 to a business account | $100.00 | $2.75 | $97.25 |
| $100 personal, recipient cashes out instantly at 1.75% | $100.00 | $1.75 | $98.25 |
| $10 personal, instant deposit (minimum fee applies) | $10.00 | $0.25 | $9.75 |
| $500 to a business account, then instant at 1.75% | $500.00 | $13.75 + $8.51 | $477.74 |
| $100 on a credit card to a business account, instant at 1.75% | $103.00 | $3.00 + $2.75 + $1.70 | $95.55 |
Working backwards: send enough to cover the fees
If you owe someone exactly $250 and they run a business account, sending $250 leaves them $243.12. To cover the fee you cannot simply add 2.75%, because the fee is charged on the larger amount too. The correct formula is amount ÷ (1 − 0.0275), so $250 becomes $257.07. With instant deposit on top, the two percentages compound, and the $0.25 minimum makes small amounts non-linear. The reverse mode handles all of that by searching cent by cent for the smallest amount that leaves the recipient with at least your target, then shows the full breakdown.
A credit card fee is different: it is added on top of what you send and does not reduce what the recipient receives, so to deliver $100 on a credit card you send $100 and are charged $103.
Understanding the instant deposit fee
Instant deposit moves money from your Cash App balance to a linked debit card in minutes. Cash App’s published range is 0.5% to 1.75%, and 1.75% is the figure most users see, which is why it is the calculator’s default. Because of the $0.25 minimum, the effective rate rises on small cash-outs:
| Cash-out | Fee at 1.75% | Effective rate | Fee at 0.5% |
|---|---|---|---|
| $5 | $0.25 (minimum) | 5.00% | $0.25 (minimum) |
| $10 | $0.25 (minimum) | 2.50% | $0.25 (minimum) |
| $20 | $0.35 | 1.75% | $0.25 (minimum) |
| $100 | $1.75 | 1.75% | $0.50 |
| $1,000 | $17.50 | 1.75% | $5.00 |
If you do not need the money today, standard deposit is free. Batching several small cash-outs into one also avoids paying the minimum repeatedly.
Tips to pay fewer Cash App fees
- Fund payments with balance or debit, not a credit card. Some card issuers also treat Cash App credit card payments as cash advances with their own fees and interest.
- Use standard deposit whenever a 1–3 business day wait is fine.
- For business income, build the 2.75% into your prices or invoice the gross amount using the reverse mode.
- Compare with alternatives: bank transfers and some peer-to-peer services are free for personal payments, while card processors charge similar percentages for business payments.
Need a general percentage? Try the percentage calculator. For creating a record of a payment, see the receipt maker.
Frequently asked questions
How much does Cash App charge for instant deposit?
Cash App publishes an instant deposit fee of 0.5% to 1.75% of the amount, with a minimum fee of $0.25. The exact rate is shown in the app before you confirm. Standard deposits to your bank, which take 1 to 3 business days, are free.
Does Cash App charge a fee to send money?
Sending from your Cash App balance, a linked debit card or a bank account is free. Sending with a linked credit card costs 3% of the amount, paid by the sender on top of the payment.
How much does Cash App take from a $100 payment?
Nothing if it is a personal payment funded by balance or debit card. If the recipient has a Cash App for Business account, 2.75% ($2.75) is deducted, leaving $97.25. If the recipient then uses instant deposit at 1.75%, about $1.70 more is taken, leaving roughly $95.55 in the bank.
How much should I send so the recipient gets a specific amount?
Switch the calculator to Recipient should get this amount, enter the target and choose the fees that apply. It finds the smallest amount to send so the recipient ends up with at least that much after business and instant deposit fees. For $100 to a business account with standard deposit, you send $102.83.
What is the Cash App business account fee?
Cash App for Business charges 2.75% on each payment received, deducted from the payment before it reaches the balance. Personal accounts receiving payments for goods or services regularly may be asked to switch to a business account.
Is the $0.25 minimum instant deposit fee worth it?
On small amounts it is expensive: $0.25 on a $10 cash out is 2.5%, above the 1.75% maximum rate. The minimum stops mattering above about $14.29 at 1.75%. If you can wait 1 to 3 business days, standard deposit is free.
Are these Cash App fees exact?
They are estimates based on Cash App's published rates, rounded to the nearest cent. Cash App can change its fees, promotions can waive them, and the app always shows the actual fee before you confirm. Check cash.app for current rates.