Payment split
How the payment divides between Cash App fees and what you keep.
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Seller & Marketplace Fees
US Cash App Fee Calculator
See exactly what a Cash App payment costs you: business processing, credit-card send fees, and instant deposit fees, plus the amount you actually receive. Updated for 2026 US rates.
You receive after fees
$97.25
Payment amount—
Transaction fee—
Instant deposit fee—
Effective fee rate—
Net received—
How Cash App fees work
Cash App is free for everyday personal payments funded by your Cash App balance or a linked bank account. Fees appear in three places: a 2.75% processing fee on money received to a business account, a 3% fee to send with a linked credit card, and an instant deposit fee of 0.5%–1.75% when you cash out immediately instead of waiting for the free 1–3 day transfer.
If you sell through Cash App, the 2.75% business fee plus an instant cash-out can stack, so this calculator lets you add both to see your true net.
The formula
transaction fee = amount × fee rate
instant fee = amount × instant rate
net received = amount − transaction fee − instant fee
instant fee = amount × instant rate
net received = amount − transaction fee − instant fee
Worked example
A $100 business payment at 2.75% costs $2.75. Cash out instantly at 1.5% and that's another $1.50, so total fees are $4.25 and you receive $95.75. Wait for the free standard deposit and you keep $97.25.
2026 Cash App US fees
| Action | Fee |
|---|---|
| Personal payment (balance/bank) | Free |
| Business account payment received | 2.75% |
| Send with linked credit card | 3% |
| Instant deposit / cash-out | 0.5% – 1.75% |
| Standard deposit (1–3 days) | Free |
Figures are typical US rates for planning. Cash App's exact instant-deposit percentage varies by transaction and carries a small minimum fee.
Frequently asked questions
Does Cash App charge a fee?
Personal balance/bank payments are free; business, credit-card sends and instant deposits carry fees.
What is the business fee?
2.75% on payments received to a Cash App for Business account.
How much is instant deposit?
0.5% to 1.75% of the amount; standard deposits are free.
Is sending money free?
Yes from your balance or bank; 3% if funded by a credit card.
Can I avoid Cash App fees?
Use a personal account with balance/bank funding and standard deposits to avoid most fees.