How much does Cash App take from a $100 payment?

Into a Cash App for Business account, $2.75 — 2.6% plus a fixed $0.15 — leaving you $97.25. Cash the balance out instantly instead of waiting for the free standard transfer and up to $2.43 more comes off, leaving $94.82.

Does Cash App charge a fee to receive money?

Only on a Cash App for Business account, where it is 2.6% + $0.15 per payment. Cash App publishes no receiving rate at all for an ordinary personal account, so this calculator prices the Business case rather than guessing at the other one. Sending is free from a balance, a bank account or a debit card.

How much is the Cash App instant transfer fee?

Cash App publishes it as a range: 0.5% to 2.5% of the transfer, with a minimum of $0.25 to $1 and a maximum of $75. It does not say what sets the rate for a given transfer, so this calculator charges the top of the range and every instant figure it shows is a ceiling rather than a quote. Cash App displays the exact fee before you confirm.

Who pays Cash App's 3% credit card fee?

The sender. It is added to what they send rather than deducted from what you receive, so the fee table lists it but the calculator never subtracts it from your proceeds.

What do I have to charge to keep $100 on Cash App?

$102.82 through a Business account, of which $2.82 is the fee. If you also cash out instantly, $105.45, of which $5.45 is fees. Adding 2.6% to your target is never enough, because the fee is charged on the higher amount too.

Are these Cash App fees up to date?

They were verified on 4 September 2026 and are re-checked every 60 days. The instant-transfer range and the 3% credit-card fee appear word for word in Cash App's Terms of Service; the 2.6% + $0.15 Business rate is single-sourced, because the Terms defer that figure to the disclosure made when an account is opened, so confidence is medium.

Cash App fee calculator

As of 4 September 2026, Cash App charges 2.6% + $0.15 on each payment a Cash App for Business account receives, and up to 2.5% (minimum $1) to move the balance out instantly.

Verified 4 September 2026 against Cash App’s official fee page. Effective from 4 September 2026. ChangelogSingle source

Your country

How you cash out

Cash App publishes the instant transfer fee as a range and never says what puts a transfer at one end of it, so this calculator charges the top of the range: at most 2.5% of what you move out, never under $1.00 and never over $75.00. Read the instant figure as a ceiling — your own transfer may cost less, and Cash App shows the exact fee before you confirm it.

Cash App charges in USD; your bank’s conversion is not included.

You keep

$97.25

You charge

$100.00

Cash App Business account (per payment): $2.75
Standard bank transfer: $0.00
Total fees: $2.75
Effective rate: 2.75%

Cash App fees by country

Every rule on Cash App’s official schedule for United States, the market this calculator covers, as of 4 September 2026. Cash App publishes the instant transfer fee as a range — 0.5% to 2.5%, with a minimum of $0.25 to $1 — and never says what puts a transfer at one end of it, so this calculator charges the top of that range: read every instant figure as a ceiling and not a quote. The 3% credit-card fee is paid by the sender on top of what they send, so it is listed here but never deducted from what you keep. The 2.6% + $0.15 Business rate is single-sourced, because Cash App's Terms defer that figure to the disclosure made when an account is opened, which is why confidence is medium. Payments taken in person through Tap to Pay are priced separately and are out of scope.

United States

Cash App fees for United States, effective 4 September 2026. Amounts in USD.
Fee	Applies to	Rate
Cash App Business account (per payment)Cash App also charges a separate 3% processing fee for payments accepted via Tap to Pay on a Business account; that in-person, hardware-based rate is out of this calculator's scope. Single-sourced: no secondary official page restates the 2.6% + $0.15 online rate (the Terms of Service defer this figure to disclosure at account signup instead of stating a number).	Cash App for Business payment	2.6% + $0.15
Optional and sender-paid fees (not deducted unless selected)
Instant transfer to a bank account or debit cardCash App states this fee as a range (0.5%–2.5% of the transfer, minimum $0.25–$1) rather than one figure, and does not disclose what determines a given transfer's exact rate within that range. This rule stores the range's upper bound (2.5%, $1 minimum, $75 maximum) as a conservative single value so the calculator does not understate the fee; the true charge, shown to the user before they confirm, may be lower. Independently corroborated by the Terms of Service fee schedule (Last Updated 26 August 2026).	All payments	2.5% (max $75.00)
Standard bank transfer	All payments	No fee
Sending money with a linked credit cardCharged to the sender, not deducted from the recipient's proceeds. Cash App's Terms of Service state this rate identically across the Prepaid Account and Debit Flex Account fee schedules; peer-to-peer sending funded from a linked bank account, debit card or the Cash App balance itself is free.	All payments	3%

Source: cash.app/help/us/en-us/3073-cash-out-speed-options, verified 4 September 2026.

How much does Cash App take from a $100.00 payment?

For cash app for business payment in United States, Cash App charges 2.6% of the amount plus a fixed $0.15. There is no standard bank transfer. Each fee line is rounded half-up to the nearest cent, as the platform bills it, and what you keep is the amount minus the sum of those lines.

A $100 payment into a Cash App for Business account: on $100.00 you pay $2.75 (Cash App Business account (per payment)) and $0.00 (standard bank transfer), $2.75 in total, and keep $97.25, an effective rate of 2.75%.

The same $100 payment cashed out instantly: on $100.00 you pay $2.75 (Cash App Business account (per payment)) and $2.43 (instant transfer to a bank account or debit card), $5.18 in total, and keep $94.82, an effective rate of 5.18%.

A $25 payment cashed out instantly, where the $1 minimum bites: on $25.00 you pay $0.80 (Cash App Business account (per payment)) and $1.00 (instant transfer to a bank account or debit card), $1.80 in total, and keep $23.20, an effective rate of 7.2%.

A $500 payment on a free standard transfer: on $500.00 you pay $13.15 (Cash App Business account (per payment)) and $0.00 (standard bank transfer), $13.15 in total, and keep $486.85, an effective rate of 2.63%.

Frequently asked questions

How much does Cash App take from a $100 payment?: Into a Cash App for Business account, $2.75 — 2.6% plus a fixed $0.15 — leaving you $97.25. Cash the balance out instantly instead of waiting for the free standard transfer and up to $2.43 more comes off, leaving $94.82.
Does Cash App charge a fee to receive money?: Only on a Cash App for Business account, where it is 2.6% + $0.15 per payment. Cash App publishes no receiving rate at all for an ordinary personal account, so this calculator prices the Business case rather than guessing at the other one. Sending is free from a balance, a bank account or a debit card.
How much is the Cash App instant transfer fee?: Cash App publishes it as a range: 0.5% to 2.5% of the transfer, with a minimum of $0.25 to $1 and a maximum of $75. It does not say what sets the rate for a given transfer, so this calculator charges the top of the range and every instant figure it shows is a ceiling rather than a quote. Cash App displays the exact fee before you confirm.
Who pays Cash App's 3% credit card fee?: The sender. It is added to what they send rather than deducted from what you receive, so the fee table lists it but the calculator never subtracts it from your proceeds.
What do I have to charge to keep $100 on Cash App?: $102.82 through a Business account, of which $2.82 is the fee. If you also cash out instantly, $105.45, of which $5.45 is fees. Adding 2.6% to your target is never enough, because the fee is charged on the higher amount too.
Are these Cash App fees up to date?: They were verified on 4 September 2026 and are re-checked every 60 days. The instant-transfer range and the 3% credit-card fee appear word for word in Cash App's Terms of Service; the 2.6% + $0.15 Business rate is single-sourced, because the Terms defer that figure to the disclosure made when an account is opened, so confidence is medium.

Sources and last verified

Every rate above is quoted from Cash App’s official fee page and checked by a person on 4 September 2026. Single source: not every rate is restated by a second official page, so some rest on the official page alone.

Standard published rates only. Your account may have negotiated, promotional or legacy pricing, and the platform can change fees at any time. Confirm figures that matter with Cash App before relying on them. See the methodology and disclaimer.

Cite this page

Fees.tools. "Cash App fee calculator". https://fees.tools/cash-app-fee-calculator. Fee data verified 2026-09-04.

APA: Fees.tools. (2026). Cash App fee calculator. Retrieved 2026-09-04, from https://fees.tools/cash-app-fee-calculator