Cash App modified its fee waiver structure on April 28, 2026. Previously, spending $500+ monthly or receiving $300+ in deposits waived the Foreign Transaction Fee entirely. The updated terms now waive this fee only for card-present (in-person) transactions. Additionally, the Foreign Transaction Fee itself increased from 3% to 3.25%, and the terms reorganized fee waiver eligibility to now include ATM Withdrawals (in-network only) and Paper Money Deposits alongside the limited Foreign Transaction Fee waiver.
The updated terms increase the Foreign Transaction Fee from 3% to 3.25% and narrow the circumstances under which this fee is waived. Previously, users who spent $500+ monthly or received $300+ in deposits waived the entire Foreign Transaction Fee. Under the revised terms, the fee waiver now applies only to card-present (in-person) transactions, meaning online and card-not-present international purchases remain subject to the fee without a waiver path. Users making qualifying purchases or deposits still receive fee waivers, but only for in-person international card transactions through the end of the following calendar month.
The updated terms increase the cost of international transactions and narrow the circumstances under which users can avoid that fee. Users who previously received a full Foreign Transaction Fee waiver for online international purchases will now pay 3.25% on those transactions even if they meet spending or deposit thresholds, as the waiver is restricted to in-person card transactions only.
→ Review your typical international transaction patterns to determine if you primarily use card-present or online/card-not-present methods
→ If you make frequent online international purchases, compare the 3.25% fee against alternative payment methods or providers
→ Users making online international purchases will pay 3.25% in foreign transaction fees regardless of whether they meet spending or deposit thresholds
→ The fee waiver benefit, if applicable to your account, will only reduce fees on in-person international card transactions
ConductAtlas has recorded 2 material changes to this document (since April 2026). An additional minor or cosmetic changes were excluded.
Across all monitored documents, Cash App has made 4 significant changes.
2 of Cash App's significant changes have been classified as negative for consumers.
Waiver now applies only to card-present transactions; online and card-not-present international purchases remain subject to the 3.25% fee
Increased from 3% to 3.25%
This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology
Cash App modified fee schedules and waiver eligibility criteria, effective April 28, 2026. The Foreign Transaction Fee increased by 0.25 percentage points, and the waiver scope narrowed to card-present transactions only. For financial institutions offering similar products or regulatory bodies overseeing prepaid card disclosures (CFPB, state attorneys general), this change may trigger disclosure review obligations if Cash App's updated fee schedule is incorporated into promotional materials or required regulatory disclosures. No new enforcement action is indicated, but disclosure completeness and accuracy should be verified against current terms.
CFPB (prepaid account regulation under the Electronic Funds Transfer Act and Regulation E); state consumer protection laws governing fee transparency; Dodd-Frank Act Section 1031(c) for unfair, deceptive, or abusive acts or practices (UDAAP) if the fee structure or waiver terms constitute material misrepresentation
Full compliance analysis
Obligation analysis, escalation trigger, board language, and recommended action.
Watcher: regulatory citations + obligations. Professional: full compliance memo.
ConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-001451.
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