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This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology
This is the Cash App Terms of Service published by Block, Inc., governing all products within the Cash App platform including peer-to-peer money transfers, the prepaid Cash App Balance account, the Cash App Card, Bitcoin and stock investing, a lending product, remittances, mobile check capture, and generative AI tools. The agreement requires users to resolve disputes with Cash App through individual binding arbitration rather than court or class action proceedings, with a 30-day opt-out window available after account creation. The terms also authorize Block to use, copy, modify, and display any content users submit through the platform, and reserve the right to suspend or close accounts at any time with or without prior notice.
The Cash App Terms of Service (effective February 7, 2024, last updated April 27, 2026) govern the contractual relationship between users and Block, Inc. across a broad suite of financial services including peer-to-peer payments, a prepaid account and debit card, Bitcoin and stock investing, lending, remittances, mobile check capture, generative AI features, and a business account product. The agreement states that users must be at least 18 years old for most services (with a Sponsored Account option for minors aged 13-17), authorizes Block to suspend or terminate accounts at its discretion with or without notice, and requires users to submit to individual binding arbitration for disputes with a 30-day opt-out window from the arbitration clause. Section XXIII contains a mandatory arbitration clause with a class action waiver, a limitation of liability capping Block's liability at $500 or the amount of the transaction at issue, and a governing law provision designating California law; these provisions are standard in U.S. consumer fintech agreements but their enforceability in specific jurisdictions may vary under applicable law and regulatory interpretation. The document engages the Consumer Financial Protection Bureau's regulatory framework for prepaid accounts (Regulation E, including the Prepaid Accounts Rule), FinCEN's Bank Secrecy Act and AML/KYC obligations, FINRA and SEC oversight of the Cash App Investing brokerage service, and state money transmission licensing requirements; the inclusion of generative AI features under Section XXII additionally implicates emerging AI governance frameworks and FTC guidance on AI-generated content and unfair or deceptive practices.
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Start Compliance free trial18 important changes detected
18 versions captured · Last updated: June 2026
Cash App updated their Cash App Terms of Service on June 24, 2026. Change detected: 10 sentence(s) added, 6 sentence(s) removed, 9 sentence(s) modified. Document contained 1711 sentences after update.
View change record →Cash App added a reference to 'Cash App Mobile Terms of Service' in their linked terms documentation on June 9, 2026. This document was previously not listed in the terms …
View change record →Cash App's June 5, 2026 update adds new provisions governing Cash App Tag (a wearable payment device) and establishes rules for how minors can use Cash App products through Sponsored …
View change record →Cash App updated their Cash App Terms of Service on June 02, 2026. Change detected: 4 sentence(s) added, 1 sentence(s) modified. Document contained 1654 sentences after update.
View change record →Cash App updated their Cash App Terms of Service on May 28, 2026. Change detected: 2 sentence(s) added, 1 sentence(s) removed, 2 sentence(s) modified. Document contained 1650 sentences after update.
View change record →Cash App added a new section on May 15, 2026 describing USD-Funded Stablecoin Withdrawals, a service that allows users to convert USD from their Cash App Balance or linked payment …
View change record →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 …
View change record →Cash App updated its Credit Score terms to clarify what data is used and how the score may be shared. The revised language specifies that the score is based on …
View change record →Cash App reorganized its terms of service document structure on April 19, 2026, moving the "Generative AI Terms of Use" section from position XXII to position XXIII and creating a …
View change record →Cash App's Terms of Service footer navigation was updated on April 18, 2026 to add a 'Your Privacy Choices' link to the existing list of legal and policy documents. Previously, …
View change record →Cash App added a new section describing its Cash App Credit Score tool, effective April 16, 2026. The updated terms clarify that this score is designed for personal use only …
View change record →Cash App reorganized its Terms of Service document structure on April 11, 2026, moving sections and renumbering references. The 'Generative AI Terms of Use' section moved from section XXII to …
View change record →Cash App discontinued its Gift Card feature and converted existing gift card balances to cash equivalents on April 5, 2026. The updated terms remove three provisions that previously described how …
View change record →Cash App updated its Terms of Service on April 2, 2026, with three substantive changes. First, the gift card redemption threshold was modified to allow California recipients to redeem below …
View change record →Cash App removed the 'Your Privacy Choices' link from its Terms of Service footer on March 25, 2026. Previously, the footer included a direct link labeled 'Your Privacy Choices' alongside …
View change record →Cash App reorganized its Terms of Service by moving the 'Generative AI Terms of Use' section from section XXIII to section XXII, and renumbering the 'Other Legal Terms' section from …
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