Payment fees
Cash App Fee Calculator
Cash App charges between 0.5% and 1.75% when you deposit money to your bank instantly — $3.50 on a $200 deposit at the top rate — and 2.75% when a Cash App for Business account receives a payment. Standard deposits are free. Enter your amount below, pick the transaction type, and see the exact fee with the $0.25 minimum and $25 maximum applied.
How much does Cash App charge?
Cash App’s main fees are two. An instant deposit to your bank account or debit card costs 0.5% to 1.75% of the amount, with a $0.25 minimum and a $25 maximum — Cash App sets the exact rate and shows it before you confirm. And a Cash App for Business account pays 2.75% on every payment it receives. Everything else most people do is free: standard deposits (1–3 business days), and sending or receiving ordinary personal payments. On a $200 instant deposit at the maximum rate, the fee is $3.50 and $196.50 reaches your bank.
How it works
Cash App has three fee situations, and the calculator handles each one. Whether you searched for a Cash App calculator, a Cash App fee calculator or the instant transfer fee specifically, the maths is:
Instant deposit fee = your rate (0.5%–1.75%) × amount — never less than $0.25, never more than $25Business payment fee = 2.75% × amount receivedStandard deposit fee = $0You receive = amount − feeTwo things trip people up. First, the instant rate is not fixed: Cash App sets it somewhere in the 0.5%–1.75% range and displays it on the confirmation screen, so this calculator defaults to the worst case (1.75%) and lets you lower it to whatever your app actually shows. Second, the minimum and maximum still apply at whatever rate you get — at 1.75% the $0.25 minimum rules below about $14.29, and the $25 cap rules above about $1,428.57. The reverse mode works backwards from the amount you need to receive, which is the mode business sellers should use when pricing.
Rates used by this calculator
| Cash App transaction | Fee | Who pays / notes |
|---|---|---|
| Instant deposit to a bank account or debit card | 0.5%–1.75% of the amount, min $0.25, max $25.00 | The person depositing — the exact rate is shown before you confirm |
| Payment received by a Cash App for Business account | 2.75% of the payment | The business — deducted from what it receives |
| Standard deposit to a bank account | Free | Arrives in 1–3 business days |
| Sending a personal payment funded by a credit card | 3% of the amount | The sender — not covered by this calculator |
Source: Cash App’s official help and fee pages (cash.app/help). Last verified: November 2026
Worked examples
Example 1 — a $200 instant deposit at the maximum 1.75% rate
| Deposit amount | $200.00 |
| Cash App fee (1.75%) | $3.50 |
| You receive | $196.50 |
| Effective fee rate | 1.75% |
At the lowest rate in the range (0.5%) the same deposit would cost just $1.00 — always check the rate on the confirmation screen.
Example 2 — a $500 payment received by a Cash App for Business account
| Payment amount | $500.00 |
| Cash App fee (2.75%) | $13.75 |
| You receive | $486.25 |
| Effective fee rate | 2.75% |
The business fee has no minimum or maximum — it is a straight 2.75% at every size.
Example 3 — a $40 instant deposit at the lowest 0.5% rate
| Deposit amount | $40.00 |
| Fee at 0.5% before the minimum | $0.20 |
| Cash App fee charged (minimum applies) | $0.25 |
| You receive | $39.75 |
| Effective fee rate | 0.63% |
Even the cheapest instant rate cannot dodge the $0.25 minimum on a small deposit.
When these fees apply — and the limitations
This calculator covers Cash App’s standard US fees for instant deposits and business payments. Keep in mind:
- Your instant rate is set by Cash App, per deposit, somewhere in the published 0.5%–1.75% range, and shown before you confirm. No calculator can know it in advance — which is why this one defaults to the maximum and lets you enter the rate your app quotes.
- The 2.75% fee follows the account type — it applies to payments received by Cash App for Business accounts. Personal accounts receiving ordinary payments from friends are not charged it.
- Other Cash App products are priced separately — Bitcoin transactions, stock investing, ATM withdrawals (including out-of-network fees) and the Cash App Card’s other features sit outside this calculator.
- Credit-card sending costs the sender 3% and is not one of this calculator’s modes.
Confirm the current figures in Cash App’s own help pages before relying on them for pricing decisions.
Comparing your options
The closest comparison is Cash App vs Venmo: Venmo charges a flat 1.75% for instant transfers with the same $0.25 minimum and $25 maximum, while Cash App’s instant rate can be lower (its range starts at 0.5%) but is set per transaction. For selling, the gap reverses — Venmo’s goods and services fee is 1.75% against the 2.75% Cash App takes from business accounts. And both apps undercut PayPal for app-to-app selling: a PayPal commercial payment costs 3.49% + $0.49. Compare your own figures in the Venmo fee calculator and the PayPal fee calculator.
Frequently asked questions
How much does Cash App charge for an instant deposit?
Between 0.5% and 1.75% of the amount, with a $0.25 minimum and a $25 maximum per deposit. Cash App sets the exact rate for each deposit and shows it before you confirm. At the maximum rate a $200 deposit costs $3.50; the standard deposit, which takes 1–3 business days, is free.
Why did Cash App charge me 2.75%?
Because the payment was received by a Cash App for Business account. Business accounts pay 2.75% of every payment they receive, deducted automatically before the money settles. Personal accounts are not charged for receiving ordinary payments — if you sell through Cash App and see 2.75% coming off, your account is a business account.
Is Cash App free to send money?
Sending personal payments from your Cash App balance or a linked bank account is free, and receiving them is free. The exceptions: funding a payment with a credit card costs the sender 3%, moving money to your bank instantly costs 0.5%–1.75%, and business accounts pay 2.75% on what they receive.
How can I avoid Cash App fees?
Use standard deposits instead of instant ones (free, 1–3 business days), fund payments from your balance or bank account rather than a credit card, and — if you are charged the business fee — remember it is the price of the business account’s features, not an error. The one fee you cannot negotiate is the instant deposit rate: Cash App sets it, though it always shows it before you confirm.
Who pays the Cash App business fee?
The business receiving the payment. The customer pays the full amount, and Cash App deducts 2.75% before the money reaches the business’s balance — on a $500 payment, $13.75 comes off and $486.25 lands. The reverse mode above tells you what to charge so that a target amount survives the fee.
Related calculators
Estimates only. Platforms can change their fees at any time; always confirm the rate on the platform’s own pricing page before making pricing decisions. ToolFees is not affiliated with the platform named on this page.