Cash App Fee Calculator — Business & Instant Deposit
See exactly what Cash App keeps from a business payment or an instant deposit — then flip it around to find what to charge so the 2.75% fee comes out of your client's pocket, not yours.
Built & maintained by Marcus, freelancer·Figures from Cash App·Last updated July 2026
Verified July 2026: A Cash for Business account charges 2.75% per payment received, with no fixed fee. Personal payments funded by bank or debit are free; an instant deposit (cash out) costs 0.5%–1.75% (min $0.25) while the standard deposit is free. Credit-card funding adds 3%, and there is no monthly or setup fee.
2.75%
Cash for Business · no fixed fee
Free
personal send & receive
0.5–1.75%
instant deposit (min $0.25)
$0
monthly / setup fee
$USD
Business rate (2.75%)Cash for Business · money received · no fixed fee−$27.50
Total Cash App fee−$27.50
Cash App fee
$27.50
Eff. rate 2.75%
You keep
$972.50
After Cash App's fee
Gross amount
$1,000.00
Client pays this
Standard deposits (1–3 business days) are free. An instant deposit to your bank or debit card costs 0.5%–1.75% (min $0.25) — Cash App sets the exact rate per transfer. Personal payments funded by a bank account or debit card are always free; only credit-card funding adds 3%.
Enter the amount you want to keep after Cash App's 2.75% business fee, and we'll calculate what to charge your client so you net exactly that. Because Cash for Business has no fixed fee, the math is a clean percentage — no per-transaction cents to add.
$USD
Charge this amount
$1,028.28
Client pays this · Cash App deducts 2.75% · you keep your target
Cash App fee−$28.28
You keep$1,000.00
Effective rate2.75%
Formula: $1,000.00 ÷ (1 − 2.75%) = $1,028.28
Passing fees to clients: in most US states you can add a card surcharge, but a few restrict it. Most freelancers simply build the fee into the price using the amount above, rather than adding a separate line. Instant-deposit fees only apply when you cash out, so they aren't included here.
$USD
Processor
Business rate
You receive
How Cash App's fees work in 2026
Cash App is free for everyday personal use, but the moment you accept money as a freelancer or seller it works differently. The fee depends on which account you use and how the money moves — not on the card brand.
Business · 2.75%
Cash for Business deducts 2.75% from every payment you receive. No fixed fee — the whole cost is the percentage.
Personal · Free
Sending and receiving between friends via bank or debit is free. Not allowed for business income, though.
Instant deposit · 0.5–1.75%
Cash out to your bank instantly for 0.5%–1.75% (min $0.25). The standard 1–3 day deposit is free.
Monthly fee · $0
No subscription, setup or PCI-compliance fee. You only pay when money is received or cashed out fast.
The single most important thing for a freelancer is the difference between a personal and a business account. Cash App requires you to use a Cash for Business account to accept payment for goods and services — and that account carries the 2.75% fee. Trying to route business income through a personal account to dodge the fee violates Cash App's terms and can get your account frozen, so budget for the 2.75% from the start.
The no-fixed-fee advantage on small payments
Unlike Venmo (1.9% + $0.10), Square (3.3% + $0.30) and PayPal (2.99% + $0.49), Cash for Business charges no fixed per-transaction fee — just a flat 2.75%. That fixed fee is what makes rivals expensive on tiny payments. On a $5 tip or micro-sale, Cash App costs about 14¢ versus roughly 20¢ on Venmo and 47¢ on PayPal. The break-even is about $12: below that, Cash App's flat percentage wins; above it, Venmo's lower 1.9% rate pulls ahead.
Instant deposit vs standard deposit
When money lands in your Cash App balance you choose how to move it to your bank. A standard deposit takes 1–3 business days and is free. An instant deposit lands in seconds but costs 0.5%–1.75% of the amount (minimum $0.25), with Cash App setting the exact rate per transfer. Because the fee only buys speed, leave your money on the free standard deposit unless cash flow is genuinely urgent — on a $1,000 balance an instant deposit can cost up to $17.50 for nothing but a couple of days' head start.
Cash App fee reference — every fee
All fees for US-based Cash App accounts as of July 2026. Cash App does not publish a single rate card, so confirm the exact figure in the app before making business decisions — the instant-deposit rate in particular is set per transfer.
Fee type
Fee
Notes
Business payment received (Cash for Business)
2.75%
Per payment · no fixed fee · required to accept goods & services income
Personal send / receive (bank or debit)
Free
Standard peer-to-peer transfers between personal accounts
Instant deposit / cash out
0.5%–1.75% (min $0.25)
Optional speed fee to a linked bank or debit card · rate set per transfer
Standard deposit
Free
Lands in 1–3 business days · default payout timing
Credit-card funding (sending money)
3%
Charged to the sender when a payment is funded with a credit card
ATM withdrawal (Cash Card)
$2.50 + operator surcharge
Waived for a month with $300+ in qualifying direct deposits
Bitcoin buy / sell
Service fee + spread
Varies with amount and market volatility · shown before you confirm
Monthly / setup / PCI fee
$0
No subscription, setup or PCI-compliance fee on any account
For a freelancer, the two fees that actually cost money are the 2.75% business rate on money coming in and the optional instant-deposit fee on money going out. Take payment through your Cash for Business account, keep your payouts on the free standard deposit, and 2.75% is effectively your all-in cost.
Frequently Asked Questions
What are Cash App's fees in 2026?
For freelancers and sellers, the fee that matters is the Cash for Business rate: 2.75% per payment received, with no fixed per-transaction fee. Personal payments sent or received through a linked bank account or debit card are free. An instant deposit (cashing your balance out to a bank or debit card) costs 0.5%–1.75% with a $0.25 minimum, while the standard 1–3 day deposit is free. Funding a payment with a credit card adds 3%, and a Cash Card ATM withdrawal is $2.50 plus the operator's surcharge. Cash App has no monthly, setup or PCI-compliance fee.
Does Cash App charge a fee to receive money?
It depends on the account. Personal accounts receive money for free when the sender pays from a bank account or debit card. But if you upgrade to a Cash for Business account — required if you accept payments as a freelancer or seller — Cash App deducts 2.75% from every payment you receive. On a $1,000 client payment that is $27.50, leaving you $972.50. There is no fixed fee on top, which makes Cash App slightly cheaper than Venmo or PayPal on very small business payments.
How much is Cash App's instant deposit fee?
An instant deposit — moving your Cash App balance to a linked bank account or debit card immediately — costs between 0.5% and 1.75% of the amount, with a minimum of $0.25. Cash App sets the exact rate per transfer, and most users see roughly 1.5%. The standard deposit, which takes 1–3 business days, is completely free. Because the fee only buys speed, keep your money in standard deposits unless you need the cash immediately.
How do I calculate what to charge to cover Cash App's business fee?
Cash for Business has no fixed fee, so the gross-up is a clean percentage: Charge = Target net ÷ (1 − 0.0275). To keep exactly $1,000 after the 2.75% fee, charge $1,028.28 — Cash App deducts $28.28 and you net $1,000. Use the Add the Fee tab above for any target amount. This is simpler than Venmo, Square or PayPal, which all add a fixed cents fee you also have to gross up.
Is Cash App cheaper than Venmo or Square for business payments?
On fee alone, Venmo's Business rate (1.9% + $0.10) is cheaper than Cash App's 2.75% for almost any payment above about $12 — on $1,000, Venmo keeps $980.90 vs Cash App's $972.50. Square's online invoice rate (3.3% + $0.30) costs more per transaction but adds full invoicing and in-person POS hardware. Cash App has no fixed fee, so it edges ahead on tiny payments under roughly $12, and its main advantage is reach: its very large US user base means clients often already have it installed.
Do I owe taxes on Cash App business payments, and will I get a 1099-K?
Yes — money you earn through a Cash for Business account is taxable self-employment income whether or not you receive a form. Cash App issues a Form 1099-K reporting your gross business payments; the federal reporting threshold for 2025 onward is $20,000 and 200 transactions (reinstated by the One Big Beautiful Bill Act, July 2025), though some states set lower thresholds. Report the income on Schedule C and use our freelance tax calculator to estimate the self-employment and income tax you'll owe.
Are Cash App fees tax deductible for freelancers?
Yes — the 2.75% Cash for Business fee and any instant-deposit fees are 100% deductible as ordinary business expenses for self-employed freelancers. In the US, deduct them on Schedule C under "Commissions and fees." Keep your Cash App transaction history and 1099-K as documentation. Use our freelance tax calculator to see how deductible expenses lower your self-employment and income tax.
Sources & how we calculate
This calculator applies Cash App's published US fee figures to the amount you enter — the 2.75% Cash for Business rate, the 0.5%–1.75% (min $0.25) instant-deposit fee, or the free standard deposit — then shows your net, or in reverse the amount to charge to cover the 2.75% fee. Everything is computed in your browser from the numbers you enter; no data is sent anywhere.
Estimate only, not financial advice. Cash App's fees vary by account type and change over time — the instant-deposit rate in particular is set per transfer between 0.5% and 1.75%. Confirm your exact fees in the Cash App or at cash.app before making business decisions.