Cash App discloses various fees for its prepaid account services, including instant transfer fees, ATM withdrawal fees, and foreign transaction fees, which are listed in the fee table in Section I.
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
Understanding these fees is essential for consumers who use Cash App as a primary banking alternative, as charges can add up quickly for ATM use, instant transfers, and international transactions.
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.
Cross-platform context
See how other platforms handle Fee Schedule — Prepaid Account and similar clauses.
Compare across platforms →Monitoring
Cash App has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 25 platforms.
Fee disclosures for prepaid accounts are governed by the CFPB Prepaid Rule (Regulation E, 12 CFR Part 1005) which requires short-form and long-form fee disclosure; compliance teams should verify that Cash App's fee tables satisfy mandated disclosure format and content requirements.
Full compliance analysis
Regulatory citations, enforcement risk, and due diligence action items.
Free: track 1 platform + weekly digest. Monitor: 25 platforms + same-day alerts. No credit card required.
Compliance Governance Intelligence
Need to monitor specific governance provisions?
Compliance includes provision-level monitoring, governance timelines, regulatory mapping, and audit-ready analysis.
Built from archived source documents, structured governance mappings, and historical version tracking.
Understanding these fees is essential for consumers who use Cash App as a primary banking alternative, as charges can add up quickly for ATM use, instant transfers, and international transactions.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Cash App.