Calculators / Cash App fee

Cash App fee calculator

Enter a payment to see the Cash App for Business fee, add an instant deposit if you use one, and see what ends up in your bank account.

The payment

$
%
$
%
Cash App charges 0.5% to 1.75% (min $0.25). Your app shows the exact rate.

On this payment

Business fee
In your Cash App balance
Instant deposit fee
Reaches your bank
Total fees as %

Where the rates come from. Cash App business fee: cash.app/help/6522-create-a-cash-app-business-account, checked October 12, 2026. Cash App's help pages could not be opened directly; the rates are from Google's copies of those pages. Instant deposit: cash.app/help/us/3073-cash-out-speed-options, checked October 12, 2026. Every rate is filled in for you but can be changed, in case your account is on a different deal.

The formulas

Business fee = payment × 2.6% + $0.15
Instant deposit fee = amount moved × instant rate (min $0.25)
Reaches your bank = payment − business fee − instant fee

Worked example

A customer pays your business $100, and you move it to your bank straight away.

Business fee100 × 0.026 + 0.15 = $2.75
In your balance100 − 2.75 = $97.25
Instant deposit97.25 × 0.0175 = $1.70
Reaches your bank97.25 − 1.70 = $95.55

The instant deposit nearly doubles the cost of taking the payment. If you can wait one to three days, a standard deposit is free and you keep $97.25.

Keeping Cash App fees down

Batch your cash-outs

The instant fee has a minimum, so moving lots of small amounts costs more than one larger transfer. Or skip instant deposits altogether when you do not need the money the same day.

Price the fee in

If most customers pay by Cash App, treat 2.6% + 15¢ as part of your costs and set prices with the markup calculator, which has room for payment fees.

Formula and examples last checked October 12, 2026.

Questions people ask

How much does Cash App charge a business?

Cash App for Business charges 2.6% + 15¢ on each payment you receive. Cash App's help center gives this rate from June 1, 2025. Some older help pages still mention 2.75%, so check the fee shown in your own app if a payment looks different.

How much is the Cash App instant deposit fee?

Between 0.5% and 1.75% of the amount you move, with a minimum of $0.25. The app shows the exact fee before you confirm. A standard deposit to your bank is free and takes one to three business days.

Can I take payments for my business on a personal Cash App account?

Cash App expects business payments to go to a Cash for Business account, which is the account type that pays the fee above. Personal accounts are meant for payments between friends and family. Using one for sales can get the account limited.

Is Cash App cheaper than PayPal or Square?

On a typical order it is in the same range. The fixed part of the fee is smaller than PayPal's, which helps on small payments. Use the PayPal, Square and Venmo calculators on this site with the same amount to compare.

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