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 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 →The updated terms state that Cash App will discontinue its Remittance Service effective May 1, 2026. Any remittance payment still pending on or after May 1, 2026 will continue to be processed unless the sender cancels the transfer. However, any remittance payment sent via cash pickup that is not picked up within 21 days will be automatically canceled, and all remittance payments remaining in pending state on May 21, 2026 will be automatically canceled and refunded to the sender. Additionally, for California residents with Cash App Cards, the gift card cash redemption threshold was increased from $10 to $15. You can cancel pending remittance transfers before May 1, 2026 to manage the transition.
View 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.
How other platforms handle this
eBay charges sellers for using many of our Services. In some cases, eBay may charge buyers for using certain of our Services. We may change our fees at any time by posting the changes on our Seller Center and, if applicable, informing you via email or through My eBay. eBay may, in its discretion, ch...
Except as expressly set forth herein, all fees and charges are non-refundable. All fees are exclusive of taxes, levies, or duties imposed by taxing authorities, and you shall be responsible for payment of all such taxes, levies, or duties.
When you convert one cryptocurrency to another, Coinbase charges a spread of approximately 0.5% (higher or lower depending on market fluctuations) and a Coinbase Fee based on the size of the transaction and your region.
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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 Cash App Terms of Service
1. REGULATORY LANDSCAPE: The CFPB's Prepaid Accounts Rule (Regulation E, 12 CFR Part 1005) requires prepaid account fee disclosures in a standardized short form and long form format. The disclosure of the instant transfer fee as variable and only revealed at the time of transaction may require evaluation against the rule's pre-acquisition disclosure requirements. The FTC may evaluate fee disclosure practices under Section 5 of the FTC Act. 2. GOVERNANCE EXPOSURE: Medium. The variable instant transfer fee disclosure approach is common in fintech products but the adequacy of point-of-transaction disclosure relative to Regulation E's pre-acquisition disclosure requirements is an active regulatory consideration. The 3% foreign transaction fee is clearly disclosed and is a standard feature of prepaid card products. 3. JURISDICTION FLAGS: California and New York have active consumer protection enforcement around fee disclosure practices. The fee schedule applies to all U.S. users of the prepaid account product. 4. CONTRACT AND VENDOR IMPLICATIONS: Employers or organizations using Cash App for disbursements should note that employees using instant transfer may incur variable fees not fixed in advance, which could affect payroll compliance representations. 5. COMPLIANCE CONSIDERATIONS: The instant transfer fee disclosure mechanism should be reviewed against the CFPB's Prepaid Accounts Rule short-form disclosure requirements to confirm that variable fee presentation meets regulatory standards.
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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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