By using Cash App, you agree to receive all disclosures, notices, and communications electronically rather than on paper.
This analysis describes what Cash App's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
You may miss important notices about fee changes, account actions, or legal updates if you do not regularly check your email or the Cash App notifications associated with your account.
The updated terms establish new authorization rules for minors using Cash App through Sponsored Accounts. When a parent authorizes a Sponsored Account for a teen, the terms now state the parent expressly authorizes the teen to request, receive, activate, and use a Cash App Card and add it to a Cash App Tag without requiring additional parental approval for each action. The terms treat any such request or use by the teen as made at the parent's direction. For children under the teen category, the terms note the child may have limited or no independent ability to request or activate a Card or Tag. Cash App also introduces new fees for the Cash App Tag service: $25 for purchase and $15 for expedited shipping. You can review your Sponsored Account settings to understand what authorization scope you have granted.
View change record →The updated terms introduce a new stablecoin withdrawal feature that allows Cash App users to convert USD to stablecoins and send them to external blockchain addresses. Under the revised language, users do not acquire ownership or title to stablecoins; Cash App or its partners retain full control until delivery to the specified address. Critically, the terms state that withdrawals cannot be reversed or refunded once initiated on the blockchain, and sending assets to unsupported networks or incorrect addresses will result in permanent and irreversible loss of funds. Users are solely responsible for verifying accurate withdrawal instructions and compatible network addresses before initiating transfers.
View change record →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.
View change record →Cash App's terms significantly affect consumers' financial rights, requiring binding arbitration for most disputes and waiving class action rights, which limits recourse if something goes wrong with payments, account suspensions, or fees. The agreement also grants Block broad authority to suspend or close accounts, freeze funds, and reverse transactions, which can directly impact access to money. You can opt out of the arbitration clause by mailing a written notice to Block, Inc. within 30 days of first accepting the terms.
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Electronic delivery of disclosures must comply with the E-SIGN Act (15 U.S.C. § 7001 et seq.) and Regulation E requirements for prepaid account disclosures; compliance teams should verify that consent to electronic delivery was obtained in a manner satisfying E-SIGN affirmative consent requirements.
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You may miss important notices about fee changes, account actions, or legal updates if you do not regularly check your email or the Cash App notifications associated with your account.
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