How Much Does Cash App Charge: A Guide to Cash App Fees


Cash App has become a popular choice for quick and convenient digital transactions. Whether you’re sending money to friends, investing in stocks, or receiving your paycheck, Cash App offers a variety of financial services. While many of its services are free, it’s essential to be aware of the fees associated with certain transactions. In this article, we’ll break down the different fees that Cash App may charge, helping you make informed decisions about your financial transactions.

  1. Sending Money

One of the most common uses of Cash App is sending money to friends or family. The good news is that sending money via Cash App is generally free. If you link your Cash App to a bank account or use the “Cash App Balance” option, you can send money without incurring any fees. However, if you use a credit card to fund your payments, you’ll be charged a 3% fee on the transaction.

  1. Receiving Money

Receiving money on Cash App is typically free. If someone sends you funds through Cash App, there are no fees for accepting the payment. You can keep the entire amount without any deductions.

  1. Cash App Card Fees

Cash App also provides users with a Cash App Card, which can be used for making purchases and ATM withdrawals. There are no fees for using the Cash App Card for purchases, but there are fees associated with ATM withdrawals. If you withdraw cash from an ATM using your Cash App Card, Cash App may charge a $2 fee for each transaction. Additionally, some ATM operators may charge their own fees.

  1. Bitcoin Transactions

Cash App allows users to buy, sell, and withdraw Bitcoin. When you buy Bitcoin through the app, Cash App may charge a fee based on market conditions and price volatility. These fees are subject to change and are displayed at the time of purchase.

  1. Investing Fees

Cash App offers an investing feature that allows users to buy and sell stocks and exchange-traded funds (ETFs). There are no fees to open or maintain a Cash App Investing account. However, when you buy or sell stocks or ETFs, you should be aware of the brokerage fees associated with the transactions. These fees are typically small and are included in the purchase or sale price.

  1. Cash Out Fees

If you want to transfer your Cash App balance to your bank account, Cash App usually doesn’t charge a fee. However, it’s important to check the terms and conditions and ensure that your bank doesn’t have any associated fees for receiving funds from Cash App.

  1. Inactivity Fees

As of my last update in September 2021, Cash App does not charge inactivity fees. However, it’s a good practice to check for any updates or policy changes on the official Cash App website or app.


Cash App is generally user-friendly and offers many services without fees. However, it’s crucial to be aware of the specific circumstances where fees may apply, such as using a credit card to send money or making ATM withdrawals with your Cash App Card. To stay informed about the latest fees, you can regularly check Cash App’s terms and conditions or contact their customer support for any updates. Always be aware of the fees associated with your specific transactions to make the most of your Cash App experience.

Leave a Comment