title: Cash App Fee Calculator description: Calculate Cash App fees for instant deposits, business payments, and credit card transactions
What is the Cash App Fee Calculator?
The Cash App Fee Calculator is a free online tool that helps you understand and calculate fees associated with Cash App transactions. Whether you're sending money to friends, receiving business payments, or using instant deposits, this calculator shows you exactly what fees you'll pay.
Cash App Fee Structure
Standard Transfers (Free)
Sending money between Cash App users using your Cash App balance or linked debit card is completely free. Standard bank transfers take 1-3 business days.
Instant Deposit Fees
If you need your money immediately, Cash App offers instant deposits to your bank account or debit card for a 1.5% fee (minimum $0.25, maximum $15).
| Amount | Fee | You Receive |
|---|---|---|
| $100 | $1.50 | $98.50 |
| $500 | $7.50 | $492.50 |
| $1,000 | $15.00 | $985.00 |
| $2,000 | $15.00 | $1,985.00 |
Business Account Fees
Cash App for Business accounts pay a 2.75% fee on payments received via credit cards, debit cards, and Cash App.
Credit Card Fees
Sending money using a credit card incurs a 3% fee. This is in addition to any interest your credit card company may charge.
How to Use This Calculator
- Enter the amount you want to send or receive
- Select the transaction type (sending or receiving)
- View all fee options instantly calculated
- Compare to choose the most cost-effective method
Frequently Asked Questions
Does Cash App charge fees to receive money?
Personal accounts receive money for free. Business accounts pay a 2.75% fee on card payments received.
How long does a standard Cash App transfer take?
Standard transfers typically take 1-3 business days to reach your bank account.
Is there a way to avoid Cash App fees?
Yes! Use standard transfers instead of instant deposits, send from your Cash App balance or debit card, and avoid using credit cards.
What is the maximum instant deposit fee?
The instant deposit fee is capped at $15, regardless of how large your transfer is.
Are Cash App business fees tax deductible?
Payment processing fees are typically tax-deductible as a business expense. Consult your tax professional.
Tips to Save on Cash App Fees
- Use standard transfers when you don't need instant access
- Link a debit card instead of a credit card
- Keep funds in Cash App for frequent transactions
- Request standard deposits for large amounts to maximize savings
Cash App vs Other Payment Apps
| App | Standard Transfer | Instant Transfer | Business |
|---|---|---|---|
| Cash App | Free | 1.5% | 2.75% |
| Venmo | Free | 1.75% | 1.9% + $0.10 |
| PayPal | Free | 1.75% | 2.9% + $0.30 |
| Zelle | Free | N/A | N/A |
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