Cash App fee calculator

Check what Cash App keeps from a business payment or an instant deposit to your bank.

The payment
Cash App charges 0.5% to 1.75%, with a $0.25 minimum.
Fee settings
Optional
We work out what to charge so you receive it after fees.

Last updated September 28, 2026. Main US rate: 2.75% business payments, 0.5–1.75% instant deposit.

When Cash App charges fees

Sending and receiving money on a personal Cash App account is free when the money comes from a Cash App balance, a linked debit card or a bank account. Fees start in three situations.

The first is a business account. Cash App for Business charges 2.75% on every payment you receive. The second is paying with a credit card, which costs the sender 3%. The third is instant deposit. Standard transfers to your bank take one to three business days and are free, while instant deposits arrive in minutes for a fee of 0.5% to 1.75% of the amount, with a minimum of $0.25.

Personal or business account?

Cash App’s terms say personal accounts are for personal use. If you regularly take payments for goods or services, Cash App can move you to a business account. Build the 2.75% into your prices from the start so the switch does not cut into your margin.

Using this calculator

Pick your account type and whether you plan to cash out instantly. The receipt shows what you keep. To receive an exact amount, enter it in the take-home field and the calculator shows what to ask for. To receive $200 on a business account, for example, ask the customer to send $205.66.

Frequently asked questions

How much is the Cash App fee for $100?

A business account keeps $2.75 from a $100 payment. A personal account receiving $100 from a debit card or balance pays nothing.

How much does instant deposit cost?

Instant deposit costs between 0.5% and 1.75% of the amount you cash out, with a minimum fee of $0.25. Standard deposits are free.

Does Cash App charge the sender or the receiver?

Business payment fees are charged to the receiver. The 3% credit card fee is charged to the sender.

Is there a limit on Cash App payments?

Unverified accounts can send up to $1,000 within any 30-day period. Verifying your identity raises your limits.

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