The agreement discloses a variable instant transfer fee (amount disclosed at the time of transaction) for expedited transfers from Cash App Balance to a linked external account, and a 3% foreign transaction fee on international card transactions, with a conditional waiver for eligible users who meet monthly spending or deposit thresholds.
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
The instant transfer fee is disclosed as variable with the amount revealed only at the time of the transaction rather than in advance in a fixed schedule, which is relevant to the CFPB's Prepaid Accounts Rule requirements for fee disclosure. The 3% foreign transaction fee applies to international card use and is waivable only under specific qualifying conditions.
The updated terms change how Cash App Tag purchase fees are calculated and disclosed. Rather than a fixed $25 fee, the purchase price now ranges up to $250 and varies based on the specific tag selected and the customer's account type. The terms state that 'the specific fee amount is disclosed before you complete your Cash App Tag purchase,' meaning the final price appears at checkout. Additionally, the terms now extend Cash App Tag eligibility to Children using Sponsored Accounts, whereas the prior language explicitly prohibited Children from requesting, receiving, or using Tags in connection with Sponsored Accounts. You can review the specific fee before completing a purchase, and parents authorizing Sponsored Accounts should understand that their child may now access Cash App Tag functionality within the limitations set by the account sponsor.
View change record →The updated terms introduce a new Bitcoin Auto-Withdrawal feature that lets users authorize recurring, automated transfers of bitcoin from their Cash App balance to an external wallet on a schedule they choose. The terms state that these transfers operate subject to the same daily and rolling transfer limits, identity verification, and compliance screening as manual withdrawals, and are irreversible once broadcast to the blockchain. The revised language also establishes that funds from external sources will be subject to withdrawal restrictions for a minimum of 7 days and as long as 60 days, replacing the prior language stating restrictions would apply 'until fully settled'. Users can cancel or modify Auto-Withdrawal schedules through the app at any time, but Cash App states it cannot stop transfers already initiated at the time it receives a cancellation request.
View change record →The updated terms establish a new pathway for self-employed individuals to accept commercial payments without opening a business account, but impose significant compliance obligations. Users must provide a nine-digit Social Security Number, accurately tag payments as 'Earnings' or 'Personal', and comply with federal tax reporting requirements, including potential 24% backup withholding if SSN is not on file. Misdesignating payments to avoid tax thresholds can result in account suspension or termination. You can enroll in the optional Earn in P2P service by completing identity verification and providing your SSN, but you should consult a tax advisor regarding your specific tax obligations.
View change record →Two separate fee provisions consolidated into a single 'Fee Schedule' provision, with specific fee amounts (0.5%-2.5%, $0.25-$1 min, $75 max) removed or obscured in the current version excerpt.
View full change record →The agreement establishes a 3% foreign transaction fee on international card transactions and a variable instant transfer fee that is disclosed at the point of transaction. Users who spend $500 or more in qualifying purchases or receive $300 or more in qualifying deposits per month may have the foreign transaction fee waived for card-present transactions only until the end of the following calendar month.
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"Transfer to a Linked Account (Instant Transfer) Fee for expedited transfer from your Cash App Balance to a Linked Account. Funds are typically available within minutes. The specific fee amount is disclosed at the time of the transaction. Foreign Transaction Fee Our Foreign Transaction Fee is 3%. If you (a) spend $500 or more in Qualifying Purchases, or (b) receive $300 or more in Qualifying Deposits each month, we will waive our Foreign Transaction Fee on card-present transactions only (i.e., in-person card transactions) until the end of the following calendar month.Excerpt from Cash App's Terms of Service
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The instant transfer fee is disclosed as variable with the amount revealed only at the time of the transaction rather than in advance in a fixed schedule, which is relevant to the CFPB's Prepaid Accounts Rule requirements for fee disclosure. The 3% foreign transaction fee applies to international card use and is waivable only under specific qualifying conditions.
The agreement establishes a 3% foreign transaction fee on international card transactions and a variable instant transfer fee that is disclosed at the point of transaction. Users who spend $500 or more in qualifying purchases or receive $300 or more in qualifying deposits per month may have the foreign transaction fee waived for card-present transactions only until the end of …
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