Understanding Cash App Fees (2025)

Introduction

Cash App offers many services, but it’s important to understand the fees associated with its various features. In this guide, we’ll break down the different types of fees on Cash App in 2025 and how to avoid them where possible.

1. Transaction Fees

One of the main costs associated with Cash App is transaction fees. These fees may apply depending on the type of transaction and how you fund it.

Types of Transactions and Their Fees:

• Sending Money with a Debit Card: Free
• Sending Money with a Credit Card: 3% fee
• Receiving Money: Free

2. Instant Transfer Fees

If you choose to transfer funds instantly to your linked bank account or debit card, Cash App charges a fee.

Instant Transfer Fee:

• 1.5% fee: This is the cost for instant transfers, which allows the funds to arrive within minutes.
• Standard Transfer: Free (takes 1–3 business days).

3. ATM Withdrawal Fees

If you use your Cash App card to withdraw cash from an ATM, Cash App will charge a fee unless you meet certain conditions.

ATM Fees:

• Standard Fee: $2 per withdrawal at ATMs within the U.S.
• Fee Waivers: If you receive $300 or more in direct deposits each month, Cash App will waive the fee for ATM withdrawals.

4. Foreign Transactions

If you make a purchase or transfer money internationally, Cash App charges an additional fee.

Foreign Transaction Fee:

• 2.75% fee: This fee is charged for transactions made outside of the U.S.

5. Bitcoin Withdrawal Fees

If you wish to withdraw Bitcoin from Cash App to a different wallet, there is a withdrawal fee that can vary depending on network conditions.

Bitcoin Withdrawal Fee:

• Network Dependent: The fee varies based on the Bitcoin network congestion and can change periodically.