Cash App Fees Calculator

Cash App Fees Calculator

Cash App is free for ordinary person-to-person payments, but some actions cost money. This calculator estimates the three fees people ask about most: sending with a credit card, receiving payments on a business account, and the instant deposit of your balance to a debit card.

How to use it

1. Choose the transaction type from the drop-down menu.
2. Enter the amount in dollars.
3. Read the fee and the net amount. Switch to the second mode if you want to know what to charge so that you keep a specific amount.

Fees at a glance

• Credit card sends – 3%. Paying someone with a linked credit card adds a 3% fee on top of the amount, so a $100 payment costs $103.
• Business payments received – 2.75%. Accounts that accept payments for goods and services pay 2.75% of every payment received. On $100 you keep $97.25.
• Instant deposit – up to 1.75%, minimum $0.25. Moving money to your debit card in seconds costs a percentage. A standard bank deposit takes one to three business days and is free.

How the reverse mode works

If you sell items and want to receive $50 after the fee, you cannot simply add 2.75% to $50, because the fee is also taken from the added part. The correct charge is $50 divided by 0.9725, which is about $51.41. The calculator does this for you and respects the $0.25 minimum for instant deposits.

Ways to avoid fees

Fund payments from your balance or a debit card instead of a credit card, use free standard deposits when you do not need cash right away, and keep personal and business payments separate. Check whether your payments really need a business account, since personal accounts are not meant for selling goods.

Note

Rates shown are typical published US rates and can change. This calculator is an estimate, not an official statement from Cash App.