Cash App Fee Calculator

Cash App only charges a fee on business payments

A payment sent between two personal Cash App accounts is free, the same as Venmo and PayPal's friends & family option. The fee applies specifically to Cash App for Business accounts, which Cash App requires for accepting payments for goods or services regularly: business accounts are charged a flat 2.75% processing fee on each payment received. Note: confirm the current published rate, as Cash App has adjusted this fee before.

Getting money out of Cash App into your linked bank account is free on the standard 1-3 business day schedule. An Instant Deposit to a debit card is faster but carries a fee, commonly around 1.5% of the deposit amount with a small minimum fee (roughly $0.25) -- useful for cash-flow-sensitive sellers who need same-day access to funds.

Because Cash App draws a hard line between personal and business account types, sellers who use a personal account to receive payments for goods risk running into Cash App's terms of service and potential account limits -- setting up the business account type is the compliant way to accept payment for sales.

Where these numbers come from

The formulas and default values in this calculator are based on:

• Cash App's publicly published fee schedule for 2025-2026: Cash App for Business selling fee of 2.75% per transaction
• personal payments remain free
• Instant Deposit fee of approximately 1.5% (minimum fee applies) versus a free standard 1-3 day deposit. Note: Cash App has changed instant deposit pricing before
• confirm the current rate in your app's payment settings

Platform fee schedules change. These are planning estimates based on the most recently published rates -- always confirm the current fee schedule on the platform itself before relying on the exact number for a real payout.