Cash App updated its Terms of Service on April 28, 2026, making two notable changes to fees. The Foreign Transaction Fee was raised from 3% to 3.25%, and the waiver for that fee now applies only to in-person (card-present) transactions rather than all transactions. Additionally, a new rule was added stating that each minor can only have one Sponsored Account at any time under the Cash App Families program.
Cash App's Foreign Transaction Fee has increased from 3% to 3.25%, meaning online or card-not-present international purchases will now cost more and no longer qualify for the fee waiver even if spending or deposit thresholds are met. The fee waiver for qualifying customers now only covers in-person (card-present) transactions, so users who frequently shop internationally online will pay more. You can review your international spending habits and consider whether an alternative payment method with lower foreign transaction fees may be more cost-effective for online purchases.
You will pay a higher fee on international transactions, and the spending/deposit waiver no longer applies when you shop online internationally.
Parents or guardians can no longer create more than one Cash App account for the same child.
The increase in the Foreign Transaction Fee and the narrowing of the fee waiver to in-person transactions mean users who shop internationally online will pay more, with less ability to offset those costs through normal spending or deposits. This is a direct, recurring financial impact for frequent international spenders.
ConductAtlas has recorded 7 material changes to this document over 34 days of monitoring (since March 2026). An additional minor or cosmetic changes were excluded.
Across all monitored documents, Cash App has made 9 significant changes.
5 of Cash App's significant changes have been classified as negative for consumers.
Fee increased from 3% to 3.25%, raising the cost of international transactions for all Cash App users.
The spending/deposit-based fee waiver is now restricted to in-person (card-present) transactions only, removing the waiver for online international purchases.
Waiver conditions for ATM and paper money deposit fees are now clarified to also restrict the Foreign Transaction Fee waiver to card-present transactions only.
ConductAtlas Policy Archive Entity: Cash App | Document: Cash App Terms of Service | Record: CA-C-000689 Captured: 2026-04-28 06:04:22 UTC URL: https://conductatlas.com/change/2026-04-28-cash-app-cash-app-terms-of-service-689/ Accessed: May 2, 2026
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Cash App raised its Foreign Transaction Fee from 3% to 3.25% and restricted the fee waiver to card-present transactions only, effective April 28, 2026. This is a fee schedule change under consumer financial protection frameworks, particularly CFPB prepaid account rules (12 CFR Part 1005, Regulation E) which require clear disclosure of fee changes. The Families program also now explicitly limits minors to one Sponsored Account at a time. Compliance teams should verify that updated fee disclosures are properly surfaced to customers and that prepaid account short-form disclosure tables are updated to reflect the new 3.25% rate. Action is required to update consumer-facing disclosures.
1. CFPB Prepaid Account Rule (12 CFR Part 1005, Regulation E, Subpart E): The short-form and long-form fee disclosure tables must be updated to reflect the new 3.25% Foreign Transaction Fee. The regulation requires accurate, up-to-date fee disclosures for prepaid accounts, and the diff shows the table was updated — compliance teams should confirm the updated disclosure meets format requirements under 12 CFR §1005.18(b).
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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-000689.
Addition of explicit virtual currency and Bitcoin services section indicates Cash App's expanded offerings in cryptocurrency, a high-risk area requiring specific regulatory compliance.
New provision disclosing 3% foreign transaction fees with specific waiver thresholds ($500 spending or $300 deposits), adding transparency to international transaction costs.
New intellectual property provision clarifies Block, Inc.'s (formerly Square, Inc.) ownership rights, likely addressing user-generated content and data licensing.
Removal of this provision may indicate data ownership terms were consolidated or removed, potentially affecting user rights regarding their personal and transaction data.
Removal of this explicit provision may suggest Cash App modified or relaxed its previously strict no-cancellation policy for P2P payments.
Absence of explicit unilateral modification clause in current version may indicate clearer change notification procedures or reduced one-sided amendment power.
The liability cap was changed from a flat $200 cap to a 12-month fee-based limit, fundamentally altering how damages are calculated.
Previous version provided no specific fee structure; current version discloses detailed fee range of 0.5%-2.5% with explicit $75 maximum cap and minimum amounts.
The provision name was softened from 'Without Notice' to 'Termination,' suggesting potential procedural changes to account closure policies.
Current version now explicitly references Restricted Accounts and Prepaid Accounts with specific definitional cross-references, expanding the scope beyond just sponsored minors.
3 provisions unchanged.
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