Cash App Fee Calculator
Cash App charges nothing to receive personal payments. A Cash App Business account pays 2.6% + $0.15 on each payment from a customer's Cash App, or 3% with Tap to Pay. Standard transfers to your bank are free; instant transfers cost 0.5%–1.75% (min $0.25), and this calculator uses 1.75%, the top of that range. Example: on a $100 payment to a Cash App Business account, Cash App fees are $2.75 and $97.25 lands in your Cash App balance.
See what lands in your Cash App balance and your bank after Cash App's fees, and how much to ask for so you end up with the amount you want. For US Cash App accounts. Fees checked October 25, 2026.
Fee breakdown
| Amount |
|---|
Cash App fees at common amounts
| Amount | Business account | Tap to Pay | Instant transfer |
|---|---|---|---|
| $10 | $0.41 | $0.30 | $0.25 |
| $25 | $0.80 | $0.75 | $0.44 |
| $50 | $1.45 | $1.50 | $0.88 |
| $100 | $2.75 | $3.00 | $1.75 |
| $250 | $6.65 | $7.50 | $4.38 |
| $500 | $13.15 | $15.00 | $8.75 |
| $1,000 | $26.15 | $30.00 | $17.50 |
Fee on each payment; the last column is the instant transfer fee at 1.75% (Cash App shows your exact rate, 0.5%–1.75%, before you confirm).
Cash App fee rates at a glance
| What | Rate | Charged on |
|---|---|---|
| Payment to a Cash App Business account | 2.6% + $0.15 | The payment amount |
| Tap to Pay on a Cash App Business account | 3% | The payment amount |
| Earn in P2P (sole proprietor, personal account) | Free (Cash App says it doesn't currently charge) | The payment amount |
| Personal payment from a friend | Free | The payment amount |
| Standard transfer to your bank | Free | 1–3 business days |
| Instant transfer | 0.5%–1.75%, min $0.25 | The amount transferred; the app shows your rate first |
| Sending with a credit card | 3%, paid by the sender | Payments funded by a linked credit card |
| Paper money deposit | $1 per deposit | Cash added at a store |
Ways to keep more
- If you can wait 1–3 business days, use the free standard transfer: an instant transfer of $100 costs up to $1.75.
- On small sales, Tap to Pay (3%) costs less than a payment from the customer's Cash App (2.6% + $0.15); from $40 up, the Cash App payment is cheaper.
- If you're an individual sole proprietor, Cash App's Earn in P2P lets you take payment for goods and services in your personal account, and Cash App's terms say it doesn't currently charge a fee for it. You have to enroll; LLCs and other registered businesses must use a Business account.
Same payment on other payment apps
| App | Fees | You get |
|---|
Same payment amount on each app, using each one's usual way of getting paid for a sale, no instant cash-out. Payment apps only; for marketplaces see the home page.
Where these numbers come from
Fees checked on October 25, 2026 against Cash App's own fee schedule and help pages. Rates are for US accounts paid in US dollars. Cash App shows the exact fee on each payment; small differences can come from rounding.
Questions
How much does Cash App charge to receive money?
Personal payments are free. A Cash App Business account pays 2.6% + $0.15 on each payment from a customer's Cash App account, and 3% for payments taken with Tap to Pay. Cash App deducts the fee before the money reaches your balance. Under Earn in P2P, eligible sole proprietors receive payments for goods and services in a personal account, with no fee charged at present.
How much is the Cash App instant transfer fee?
Cash App's help pages list 0.5%–1.75% of the amount, with a minimum of $0.25, and the app shows your exact fee before you confirm. Its terms of service give a wider range of 0.5%–2.5% (minimum $0.25 to $1, maximum $75). This calculator uses 1.75%. Standard transfers are free and take 1–3 business days.
Does Cash App charge a fee to send money?
Not from your Cash App balance, bank account or debit card. Sending from a linked credit card costs the sender 3%.
How much should I ask for to receive $100 on Cash App?
On a Cash App Business account, ask for $102.82: after the 2.6% + $0.15 fee, $100.00 lands in your balance. If you also want it in your bank within minutes, a personal payment of $101.78 covers a 1.75% instant transfer.
Do I get the Cash App fee back if I refund a customer?
Cash App's Business Terms (last updated August 25, 2025) say that when a business refunds a payment, the fees are also refunded by Cash App, so the full purchase amount goes back to the customer. Refunds can be made up to 120 days after the payment.
What does this calculator leave out?
Paper money deposits ($1 each), bitcoin and stock trades, Cash App Card ATM and foreign transaction fees, check deposits, and Cash App Pay at other merchants. Instant transfer fees vary by account; check the rate in the app.