Cash App charges nothing to send money to other Cash App users, but transfers to your bank account cost 1% of the amount, with a minimum of 25 cents
Cash App's fee structure depends on where your money is going. If you're sending to another person's Cash App account, there's no fee at all — the transfer is when ready and free. But if you want to move money out of Cash App and into a bank account you own, Cash App takes 1% of that amount. On a $100 transfer, that's $1. On a $1,000 transfer, that's $10.
The one exception is the Cash App Card, which is a debit card linked to your Cash App balance. You can withdraw cash from ATMs for free if you use an in-network ATM (Cash App's network includes most major ATMs), but out-of-network ATM withdrawals cost $2 per transaction.
Key Takeaways
- Sending money to another Cash App user costs nothing and arrives when ready.
- Transferring money from Cash App to your bank account costs 1% of the amount you're moving, with a 25-cent minimum charge.
- Withdrawing cash from an out-of-network ATM using your Cash App Card costs $2 per withdrawal.
- when ready transfers to your bank account (arriving within 30 minutes instead of 1–3 business days) cost an additional 0.5% to 1.5% on top of the standard 1% fee.
Standard bank transfers and how long they take
When you transfer money from Cash App to a linked bank account using the standard transfer option, Cash App charges 1% of the amount. This transfer typically takes 1 to 3 business days to show up in your bank account. The 1% fee is the only cost — Cash App doesn't charge a separate processing fee or require a minimum transfer amount beyond the 25-cent floor.
To set up a standard transfer, you open Cash App, tap the balance at the bottom of the screen, select "Transfer to Bank," choose the bank account you want to use, enter the amount, and confirm. Cash App will show you the fee before you complete the transfer, so you'll know exactly what you're paying.
when ready transfers cost extra
Cash App also offers when ready transfers, which move money to your bank account within 30 minutes instead of waiting 1 to 3 business days. This speed comes with a higher price: when ready transfers cost between 0.5% and 1.5% of the amount on top of the standard 1% fee, meaning your total cost is between 1.5% and 2.5%.
The exact percentage depends on your account history and how Cash App assesses your account. When you select the when ready transfer option in the app, Cash App will show you the specific fee before you confirm, so you can decide whether the speed is worth the extra cost. when ready transfers are useful if you need cash urgently, but for routine transfers, the standard option saves you money.
ATM withdrawals with your Cash App Card
If you have a Cash App Card (the debit card Cash App issues), you can withdraw cash from ATMs. In-network ATM withdrawals are free — Cash App's network includes ATMs from MoneyLion, Allpoint, and other major networks that cover most locations. You can find an in-network ATM by opening Cash App, tapping the Cash App Card, and selecting "Find ATM."
Out-of-network ATM withdrawals — using an ATM that isn't part of Cash App's network — cost $2 per withdrawal. This fee is charged by the ATM operator, not by Cash App, but it appears in your Cash App transaction history. If you regularly need cash, using in-network ATMs will save you money over time.
Other Cash App transactions that don't charge fees
Beyond person-to-person transfers, several other Cash App transactions are free. Receiving money from another Cash App user costs nothing. Buying Bitcoin or stocks through Cash App does involve a spread (the difference between the buy and sell price), but there's no separate transaction fee. Paying bills through Cash App's bill pay feature is also free.
The main fees you'll encounter are the 1% bank transfer fee, the when ready transfer premium, and out-of-network ATM charges. Everything else — sending to friends, receiving money, paying bills — carries no fee.
How to avoid or minimize Cash App fees
The simplest way to avoid fees is to keep money in your Cash App balance and send it to other Cash App users instead of transferring to your bank account. If you do need to move money to your bank, use the standard transfer option and wait the 1 to 3 business days — the 1% fee is unavoidable, but you'll skip the extra cost of when ready transfer.
If you use the Cash App Card, stick to in-network ATMs for cash withdrawals. Check the ATM locator in the app before you withdraw so you don't accidentally use an out-of-network machine and pay the $2 fee. Over the course of a year, choosing in-network ATMs can save you significantly if you withdraw cash regularly.
Comparing Cash App fees to other money transfer services
Cash App's 1% bank transfer fee is competitive with other peer-to-peer payment apps. Venmo charges 1% for transfers to bank accounts (with a $0.25 minimum), the same as Cash App. PayPal charges 1.75% for standard transfers and up to 2.2% for when ready transfers. Square Cash (which is Cash App's business version) uses the same fee structure as Cash App.
If you're sending money to another person on the same platform, most apps charge nothing — that's where they compete on speed and convenience rather than price. The fees kick in when you're moving money out of the app and into a traditional bank account.
Frequently Asked Questions
Does Cash App charge to send money to another Cash App user?
No. Sending money to another Cash App user is completely free and arrives when ready. You only pay fees when you transfer money out of Cash App to your bank account or withdraw cash from an out-of-network ATM.
Can I avoid the 1% transfer fee?
The 1% fee applies to all transfers from Cash App to a bank account and cannot be avoided if you want to move money out. The only way to avoid it is to keep your money in Cash App and send it to other Cash App users instead, which is free.
Why does when ready transfer cost more than standard transfer?
when ready transfers move money within 30 minutes instead of 1 to 3 business days, which requires Cash App to process the transaction differently and assume more risk. The extra 0.5% to 1.5% fee reflects that faster service.
What's the cheapest way to get cash from Cash App?
Use your Cash App Card to withdraw from an in-network ATM, which is free. If you don't have the card or can't find an in-network ATM, transfer to your bank account using the standard option (1% fee) and withdraw from your bank's ATM for free.
Does Cash App charge a fee to receive money?
No. Receiving money from another Cash App user is free. You only pay fees when you send money out of Cash App to a bank account or withdraw cash from an out-of-network ATM.