How much does Cash App charge?
As of November 2026, Cash App's fees for receiving money depend on the account and how fast you cash out:
- Business account: 2.75% of each payment received.
- Personal account: no fee to receive a payment.
- Instant Deposit: 0.5% to 1.75% of the amount, with a $0.25 minimum. Cash App shows your exact fee before you confirm.
- Standard deposits, which take one to three business days, are free.
The Cash App fee formula
Business account: fee = amount × 2.75%. On $100 you pay $2.75 and keep $97.25. An Instant Deposit at 1.75% takes another $1.70, leaving $95.55.
To receive an exact amount: charge = amount you want ÷ (1 − 0.0275). To keep $100, charge $102.83.
Business or personal account?
Cash App expects regular sales to go through a business account. Personal accounts are meant for paying friends and family, and using one for sales can get it limited. A business account also gives you a record of your sales, which helps at tax time.
Ways to keep more
Use free standard deposits when you can wait a day or two. If you need cash fast, cash out larger amounts less often, so the $0.25 minimum matters less. Build the 2.75% into your prices rather than asking customers to cover it.
Frequently asked questions
How much does Cash App charge a business?
As of November 2026, 2.75% of each payment to a business account, with no fixed fee. On $100, the fee is $2.75.
How much is the Cash App Instant Deposit fee?
0.5% to 1.75% of the amount, with a $0.25 minimum, depending on the deposit. Standard deposits are free.
Does Cash App charge to receive money?
Not on a personal account. Business accounts pay 2.75% on each payment they receive.
How much should I charge to receive $100 on Cash App?
$102.83 with a business account. The formula is amount ÷ (1 − 0.0275).