Cash App Fee Calculator
Cash App Fee Calculator estimates the fee on a personal transfer, business payment, instant deposit, Bitcoin trade, Borrow loan or savings transfer. Choose a profile, an action and an amount, then read the gross, fee and net.
The page also supports a reverse calculation. Switch from Sending Total to Desired Net, and it estimates the gross needed to leave a specific amount after the percentage fee. That is useful when a recipient must receive an exact figure.
The rates are stored in the page and labelled March 2025. They are estimates, not a quote from Cash App, and the app can change fees or apply account-specific limits.
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What the calculator covers
The Account Profile menu has five options: Personal, Business, Bitcoin & Investing, Cash App Borrow and Cash App Savings. Each profile exposes only the actions that belong to it. Personal includes standard and instant transfers, credit card payments, ATM withdrawals, paper deposits and an international transfer.
The Action menu changes the fee rule. Some actions are free, some are a flat fee, some are a percentage, and some use a percentage range with a minimum fee. The Calculation Strategy menu appears when the rule supports a gross or net calculation.
The results card shows the amount, the estimated fee and the net or total, depending on the strategy. A breakdown lists the rule and any adjustment, such as a minimum fee being applied. A scenario note explains the assumption in plain language.
Cash App Fee Structure (Updated on 7 November, 2026)
| Service | Fee / Cost | Notes |
|---|---|---|
| Standard Bank Transfer | $0.00 | 1 to 3 business days |
| Instant Deposit (Debit Card) | 0.5% - 1.75% | Minimum fee of $0.25; default calculation uses 1.75% |
| Credit Card Payment | 3.00% | Applies when sending with a linked credit card |
| ATM Withdrawal | $2.50 | Fee may be waived for 31 days if you receive $300+ in direct deposits |
| Paper Money Deposit | $1.00 | Per transaction |
| International Transfer (US to UK/IRE) | $0.00 | No transaction fee in the stored model |
| Business Incoming Payments | 2.75% | Fee applied to money received |
| Bitcoin Buy/Sell Service Fee | 1.5% - 3.00% | Default is 2.00%; excludes market spread and network fees |
| Stock Trading Commission | $0.00 | No commission charged |
| Cash App Borrow | 5.00% Flat Fee | Standard four-week loan fee |
| Cash App Borrow Late Fee | $1.25 | Flat amount per week for late repayment |
Personal account actions
- Standard bank transfer: free in the page's model, with a 1 to 3 day timing note.
- Instant deposit to a debit card: a percentage range from 0.5% to 1.75%, defaulting to 1.75%, with a $0.25 minimum.
- Credit card payment: 3.00% when sending with a linked credit card. Balance or debit is treated as free elsewhere.
- ATM withdrawal: a $2.50 flat fee per use. The page includes a waiver switch for qualifying direct deposits.
- Paper money deposit: a $1.00 flat fee per transaction.
- International transfer (US to UK/IRE): no transaction fee in the stored model.
The waiver switch applies to the ATM rule. The helper text says the fee is waived for 31 days if you receive $300 or more in direct deposits. Read the note in the page before relying on the waiver for a specific withdrawal.
Business, Bitcoin and Borrow
Business accounts pay 2.75% on incoming payments. Sending a business payment is free in the model, and a business instant deposit uses the same 0.5% to 1.75% range with a $0.25 minimum. The page does not model invoicing, payroll or card processing beyond these actions.
Bitcoin buy/sell uses a service fee range from 1.5% to 3%, defaulting to 2%, plus a market spread that the page describes but does not calculate. An external wallet withdrawal is network-dependent; you enter the network fee manually. Stock trading is shown as $0.00 commission.
Cash App Borrow uses a 5% flat loan fee for a standard four-week loan. A weekly late fee is a flat amount, defaulting to $1.25. The calculator treats the loan fee as a percentage and the late fee as a fixed charge, but it does not model the repayment schedule.
How to estimate a Cash App fee
- Select the account profile.
- Select the action. The amount label and helper text update.
- Choose Sending Total if you know the gross amount, or Desired Net if you need a specific result.
- Enter the amount.
- Adjust the applied rate if the action shows a range. Stay within the displayed range.
- Add a network fee for a crypto withdrawal, or a quantity for a per-use fee.
- Read the gross, fee and net, and check the breakdown for a minimum-fee adjustment.
For a desired net with a percentage fee, the page divides by one minus the rate. That is the correct gross-up for a pure percentage. For a fee with a minimum or a fixed component, the result is an estimate and may need a second pass.
Reading the stored rates
The instant deposit rate is shown as a range because Cash App's fee can vary. The page defaults to the top of the range, which produces a conservative estimate. Lower the rate only if you know your account's current fee.
The ATM waiver is a checkbox, not an automatic eligibility check. The page does not know whether your direct deposits qualify. Confirm in the app before assuming the fee is waived.
The Bitcoin service fee is separate from the network fee and the spread. A trade can cost more than the percentage suggests if the market price moves or the spread is wide. The page's manual network field is for a withdrawal, not for the trade spread.
What the estimate does not include
The calculator does not include taxes, card interest, overdraft fees, disputed payments, account limits or identity-verification holds. It does not know your balance or your eligibility for a feature.
It also does not model the time value of a standard transfer versus an instant deposit. A free transfer that takes days may be better than a paid instant transfer if you do not need the money immediately.
Use the result for planning and comparison. For the actual fee, check the confirmation screen in Cash App before you approve the transaction.
Privacy and limits
The calculation runs in your browser. The profile, action and amount are not uploaded to Newisty. The page does not connect to Cash App or read an account.
A zero amount produces a zero fee and is not a useful test. A negative amount is not meaningful. The amount field accepts cents but does not enforce a maximum.
Do not treat the estimate as tax or legal advice. Keep your own records of fees actually charged.
Speed versus cost
Instant deposits are convenient, but the percentage fee can be significant on a large transfer. A standard transfer may be free but slower. The calculator lets you compare the fee with the value of getting the money sooner.
For a $20 transfer, the $0.25 minimum can dominate the percentage. For a $2,000 transfer, the percentage dominates. The page applies the minimum automatically and notes the adjustment in the breakdown.
If you use instant deposits regularly, add up the monthly fees. A fee that looks small per transfer can become a meaningful cost over a year.
Business cash flow
A business receiving payment pays 2.75% in the stored model. That fee applies to incoming payments, not to sending. If you invoice a client and accept Cash App, build the fee into the price or treat it as a cost of collection.
The page does not model the time between payment and availability, refunds or disputes. A business may also have a different limit or verification requirement. Check the business account terms before relying on the estimate.
A business instant deposit uses the same percentage range as a personal instant deposit. The decision to pay for speed is separate from the incoming payment fee.
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