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Seller & payment fees / Cash App Fee Calculator

Cash App Fee Calculator

US rates · checked 20 Oct 2026
$

Enter a number of at least 0

The payment, or what you want to end up with when finding what to charge.

%

Enter a number from 0 to 20%

Cash App's business rate is 2.6% + $0.15 per payment received from a Cash App account (Tap to Pay is 3%).

$

Enter a number from 0 to 5

You receive
$97.25
$2.75total fees
2.75%effective rate
$0payment $100.00
  • Business fee
  • You receive
Payment$100.00
Business payment fee · 2.6% + $0.15−$2.75
Instant transfer fee · standard transfer is free$0.00
You receive$97.25

Turn on instant transfer if you need the money today, at a cost.

See breakdown

How the Cash App fee calculation works

What Cash App takes from a business payment and an instant transfer (instant deposit) and what reaches your bank, or what to charge to receive an exact amount.

  1. Business accounts pay a fee on every payment received

    Cash App charges 2.6% plus $0.15 on each payment a business account receives from a customer's Cash App account, and 3% on Tap to Pay. On a $100 payment that's $2.75.

  2. Personal accounts receive for free

    Receiving money from friends and family on a personal account costs nothing. Sales belong on a business account, or, for eligible sole proprietors, on Cash App's optional Earn in P2P feature, which Cash App's terms say is currently free to receive.

  3. Instant transfer costs extra; standard is free

    Moving your balance to your debit card instantly costs 0.5%–2.5%, with a $0.25–$1 minimum and a $75 maximum, shown in the app before you confirm. A standard transfer usually takes 1–3 business days and is free.

  4. To receive an exact amount, work backwards

    Switch to "Find what to charge". To keep $100 on a business account, charge $102.82.

Worked example. A customer pays $100.00 to a business account. Cash App takes 2.6% ($2.60) plus $0.15, so $97.25 lands in your balance. Cashing that out instantly at 1.75% costs another $1.70, leaving $95.55.

Cash App Fee FAQ

How much does Cash App charge?

Personal accounts send and receive for free from a balance, bank or debit card. Business accounts pay 2.6% plus $0.15 per payment received, or 3% with Tap to Pay. Instant transfers cost 0.5%–2.5%, sending with a credit card costs 3%, and standard transfers are free.

How much does Cash App charge a business to receive money?

2.6% plus $0.15 on each payment from a customer's Cash App account. A $50 payment costs $1.45, so you keep $48.55. Payments taken with Tap to Pay cost 3%.

How much is the Cash App instant transfer fee?

0.5% to 2.5% of the amount you move, with a minimum of $0.25 to $1 and a maximum of $75. The app shows the exact fee before you confirm. At 1.75%, moving $100 costs $1.75 and moving $5,000 hits the $75 cap.

Is it free to receive money on Cash App?

Yes on a personal account, and standard deposits to your bank are free. Business accounts pay a fee on payments they receive.

Can I take business payments on a personal Cash App account?

Only through Earn in P2P, an optional feature for eligible sole proprietors that you must enroll in. Cash App's terms say it doesn't currently charge to receive these payments but may add fees with notice. Otherwise, sales go through a business account at 2.6% plus $0.15.

How much should I charge to receive $100 on Cash App?

$102.82 on a business account with a free standard transfer. Turn on instant transfer in the calculator to see the higher figure.

Does Cash App charge to send money?

Sending from your balance, bank or debit card is free. Sending with a credit card adds a 3% fee, so a $100 payment costs you $103.

Sources: Cash App: Cash App Business fees (checked 20 Oct 2026) · Cash App: Withdrawal transfer speed options (checked 20 Oct 2026) · Cash App: Terms of Service, last updated 11 Sep 2026 (instant transfer and credit card fees)

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