Which Cash App fee applies
It depends on the kind of account and how the sender pays. Cash App's own pages list:
- Receiving on a personal account: free
- Receiving on a business account: 2.6% + $0.15
- Tap to Pay on a business account: 3%
- Sending from a balance or debit card: free
- Sending from a credit card: 3%, paid by the sender
Sources: Cash App terms of service; Cash App help: business fees. Checked October 2026.
Personal or business account
A personal account receives money for free. A Cash App Business account pays 2.6% + $0.15 on each payment it receives from a customer's Cash App. On $100, that comes to $2.75.
Cash App has its own rules about which account to use for selling, so check them for the way you work.
Source: Cash App help: business fees. Checked October 2026.
Getting the money out
A standard deposit to your bank is free and takes 1 to 3 business days. An instant deposit costs between 0.5% and 2.5%, with a minimum of $0.25 to $1 and at most $75. Cash App publishes a range, not one rate, so the calculator shows both ends.
Sources: Cash App help: transfer speed options; Cash App terms of service. Checked October 2026.
Covering the fee
Use “I want to get” in the calculator to see what to charge so that, after Cash App's fee, the amount you wanted is what lands.
Getting paid for orders
If customers pay you through a Utilica page, their app opens with the exact amount filled in. We add nothing on top of what the app charges, on any plan.
Venmo, PayPal and Zelle can sit beside Cash App on the same page, so customers pay in whichever app they already have.