The short answer: standard transfers to your bank are free. An instant transfer costs 0.5% to 2.5% of the amount (at least $0.25 to $1.00, never more than $75), so cashing out $100 instantly costs $0.50 to $2.50. A Cash App Business account pays 2.6% + $0.15 on each payment: a $100 sale leaves you $97.25.
Cash App fee calculator
Lands in your Cash App balance
$97.25
Fees $2.75, which is 2.8% of the $100.00 sale ($2.75 ÷ $100.00)
- Standard transfer to your bank$0.00
- Lands in your bank$97.25
Fees verified Oct 22, 2026 from Cash App's own fee pages. Each line links to its source.
Every Cash App fee that applies to you
| Fee | Amount | When it applies |
|---|---|---|
| Monthly fee | Free | |
| Cash App Business account setup | Free | |
| Cash App Business account, customer pays in Cash App | 2.6% + $0.15 | each payment you receive |
| Cash App Business account, Tap to Pay | 3% | each payment accepted via Tap to Pay |
| Personal account with Earn in P2P (sole proprietors) | Free | Individuals operating as sole proprietors only; registered entities (including single-member LLCs) must use a Business account |
| Personal payment from friends or family | Free | |
| Standard transfer to your bank | Free | usually arrives in 1-3 business days |
| Instant transfer to your debit card | 0.5% to 2.5%, min $0.25 to $1.00, max $75.00 | a fee between 0.5% and 2.5%, minimum $0.25 to $1, maximum $75; Cash App shows the exact fee before you confirm |
| Send money from balance, debit card or bank | Free | |
| Send money with a credit card | 3% | amount sent, paid by the sender |
Spending with the Cash App Card has its own fees (ATM withdrawals, foreign purchases). They are in Cash App’s terms and don’t touch what you earn, so we leave them out here.
Instant transfer fee: what cashing out costs
Cash App doesn’t publish one instant rate. It publishes a range, 0.5% to 2.5%, and shows your exact fee before you confirm. The standard transfer is free and takes 1-3 business days.
| Cash out | Instant fee | Lands in your bank |
|---|---|---|
| $20 | $0.25 to $1.00 | $19.00 to $19.75 |
| $100 | $0.50 to $2.50 | $97.50 to $99.50 |
| $500 | $2.50 to $12.50 | $487.50 to $497.50 |
| $1,000 | $5.00 to $25.00 | $975.00 to $995.00 |
| $5,000 | $25.00 to $75.00 | $4,925.00 to $4,975.00 |
The $75 maximum only matters on large transfers: at the top rate it kicks in from $3,000. If you can wait a few days, the free transfer saves the whole fee.
Cash App Business account fees
Selling goods or services on Cash App means a Business account. Opening one is free. Each payment then costs 2.6% + $0.15 when the customer pays from their Cash App, or 3% when you take it with Tap to Pay. The fee comes out before the money reaches your balance.
To receive a set amount, charge a little more. The fee is a share of the full payment, so the price is (amount you want + $0.15) ÷ (1 − 0.026):
| To receive | Customer pays in Cash App | Tap to Pay |
|---|---|---|
| $50 | $51.49 | $51.55 |
| $100 | $102.83 | $103.10 |
| $500 | $513.51 | $515.47 |
Sole proprietors have a free option today. Cash App’s Earn in P2P feature lets an individual take payments for goods and services in a personal account, and Cash App says it does not currently charge for it. Cash App reserves the right to add a fee with notice. An LLC or any other registered business can’t use it and needs a Business account.
Sending money
Sending from your Cash App balance, debit card or bank is free. Sending with a credit card costs 3%, added to what you pay: $103.00 to send $100. The person you pay still gets the full $100.
Cash App, Venmo or PayPal for getting paid
On the same $100 payment for goods or services, here is what lands in your balance:
- 1.Venmo business profile$98.00
- 2.Cash App Business account$97.25
- 3.Venmo goods and services (personal)$97.01
- 4.PayPal goods and services (personal)$97.01
- 5.PayPal Checkout (business)$96.02
Fixed fees weigh most on small payments, so on a $10 sale the order can change. Use the calculator above, or compare every way to sell online.
Honest Fees is independent and not affiliated with Cash App. Go to the official site.
Common questions
How much does Cash App charge for an instant transfer?
0.5% to 2.5% of the amount, with a minimum of $0.25 to $1.00 and a maximum of $75. Cash App shows the exact fee before you confirm. On $100 that is $0.50 to $2.50. The standard transfer to your bank is free.
How much does Cash App charge to cash out $1,000?
Nothing with a standard transfer, which usually takes 1 to 3 business days. An instant transfer of $1,000 costs $5.00 to $25.00, so $975.00 to $995.00 lands in your bank.
Does Cash App charge a fee to send money?
Not from your Cash App balance, debit card or bank. Sending with a credit card costs 3% of the amount, paid by you on top: $3.00 on $100.
What does a Cash App Business account cost?
It is free to open. Each payment costs 2.6% + $0.15 when the customer pays from Cash App, or 3% with Tap to Pay. On a $100 payment you receive $97.25.
Can I use a personal Cash App account for my business?
Only through Earn in P2P, which is for individuals operating as sole proprietors and has no fee today. Cash App's terms say personal use does not cover payments for goods and services, and registered businesses, including single-member LLCs, need a Business account.
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