Cash App Fee Calculator
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Standard deposits from Cash App are free. An instant deposit costs 0.5% to 1.75% of the amount, with a $0.25 minimum: instantly moving $500 at 1.75% costs $8.75, so $491.25 reaches your bank. Business accounts pay 2.75% on payments received, and sending with a credit card adds 3%.
Cash App shows the exact rate, between 0.5% and 1.75%, before you confirm.
| Amount | $500.00 |
| Rate | 1.75% (minimum $0.25) |
| Fee | $8.75 |
| Arrives in your bank | $491.25 |
| Same amount by standard deposit | free |
Show steps
- Fee = $500.00 x 1.75% = $8.7500, rounded to $8.75.
- You receive $500.00 – $8.75 = $491.25.
How to use the Cash App fee calculator
- Choose the transaction: instant deposit, standard deposit, a business payment or sending with a credit card.
- Enter the amount.
- For an instant deposit, enter the rate Cash App shows you, from 0.5% to 1.75%.
- Press Calculate to see the fee and the amount that arrives or is charged.
Cash App fees
| Transaction | Fee |
|---|---|
| Sending from your balance or a debit card | Free |
| Standard deposit to your bank (1 to 3 business days) | Free |
| Instant deposit | 0.5% to 1.75% of the amount, $0.25 minimum |
| Sending with a credit card | 3% |
| Business account: payments received | 2.75% per payment |
| In-network ATM withdrawal | $2.50 (waived with qualifying direct deposits) |
| Paper money deposit at a retailer | $1 |
Instant deposit fee formula
Fee = amount × rate, with a minimum of $0.25. The rate is set by Cash App between 0.5% and 1.75% and shown before you confirm. With the $0.25 minimum, small transfers cost more as a percentage: instantly moving $10 costs $0.25, which is 2.5%.
At 1.75%, the minimum stops mattering above $14.29, because 14.29 × 0.0175 ≈ $0.25.
Worked examples
| Transaction | Work | Fee | Result |
|---|---|---|---|
| Instant deposit of $500 at 1.75% | 500 × 0.0175 | $8.75 | $491.25 arrives |
| Instant deposit of $500 at 0.5% | 500 × 0.005 | $2.50 | $497.50 arrives |
| Instant deposit of $8 at 1.75% | 8 × 0.0175 = 0.14, below the minimum | $0.25 | $7.75 arrives |
| Business payment of $120 | 120 × 0.0275 | $3.30 | $116.70 kept |
| Send $200 with a credit card | 200 × 0.03 | $6.00 | $206.00 charged |
Instant or standard deposit?
A standard deposit is free and takes 1 to 3 business days. An instant deposit is a fee for speed: at 1.75%, waiting saves $1.75 per $100. If you move money every week, those fees add up, so use instant only when you need the money now.
Common mistakes
- Forgetting the minimum. Any instant deposit costs at least $0.25.
- Assuming the top rate. Your instant rate can be lower than 1.75%; check the number Cash App shows.
- Using a personal account for sales. Business payments belong in a business account, which has its own fee.
Cash App fee practice quiz: 10 questions
Test yourself with 10 multiple-choice questions. Choose an answer and press Submit to see if you are right and why. Your score appears at the end.
The fee is 3% of 150 = 4.50, so the card is charged 150 + 4.50 = $154.50.
The percentage fee equals $0.25 when amount × 0.0175 = 0.25, so amount = 0.25 ÷ 0.0175 ≈ $14.29.
$300 × 1.75% = $5.25, and 3 × ($100 × 1.75%) = 3 × $1.75 = $5.25. Above the minimum, the fee is proportional.
0.25 ÷ 8 = 0.03125 = 3.125%. The minimum makes small instant deposits relatively expensive.
Quiz complete
Frequently asked questions
How much does Cash App charge for an instant deposit?
Between 0.5% and 1.75% of the amount, with a minimum fee of $0.25. Cash App shows the exact fee before you confirm. A standard deposit is free.
How much is the Cash App fee on $1,000?
An instant deposit of $1,000 costs $5.00 at 0.5% and $17.50 at 1.75%. A standard deposit costs nothing.
Does Cash App charge to receive money?
Personal accounts do not pay a fee to receive money. Business accounts pay 2.75% on each payment received.
Why does sending with a credit card cost 3%?
Card payments cost Cash App more to process, so it adds a 3% fee when a credit card funds a payment. Paying from your balance, bank or debit card is free.
How do I avoid Cash App fees?
Use a standard deposit instead of an instant one, send from your balance or a debit card instead of a credit card, and use in-network ATMs.
Sources
- Cash App: All fees
- Cash App Support: Cash out speed options
- Cash App Support: Cash App for Business fees
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