Cash App charges a 3% foreign transaction fee on international card purchases. This fee can be waived on in-person card transactions only if you meet the monthly spending or deposit thresholds defined in the terms.
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 3% foreign transaction fee applies to card purchases made in foreign currencies and is waivable only under specific activity conditions and only for in-person transactions, not online international purchases, which may not be apparent to users.
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 →Removal of standalone Foreign Transaction Fee provision indicates consolidation with other fees into a unified fee schedule section.
View full change record →New provision specifying 3% foreign transaction fee with conditional waiver provisions for high-volume users, adding transparency to international payment costs.
View full change record →Users making international purchases with the Cash App Card will be charged a 3% foreign transaction fee unless they meet the monthly qualifying purchase or deposit thresholds. Notably, even users who qualify for the fee waiver are only exempt on in-person card-present transactions, not on online international purchases.
How other platforms handle this
If Customer pays by credit card, debit card, or other non-invoiced form of payment, Customer will pay all Fees immediately at the end of the Fee Accrual Period or when otherwise charged by Google.
If you do not timely cancel your subscription, your subscription will be renewed at the full price as indicated when the purchase was made, without any additional action by you, and you authorize us to charge your payment method for these amounts.
You also authorize us to retry any failed authorizations. We may use data provided to us by our partners to determine when to schedule such retries.
"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
REGULATORY LANDSCAPE: Foreign transaction fee disclosures for prepaid cards are governed by the CFPB's Prepaid Account Rule, which requires clear pre-issuance disclosure of all fees including foreign transaction fees.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
Get the research letter
Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
The 3% foreign transaction fee applies to card purchases made in foreign currencies and is waivable only under specific activity conditions and only for in-person transactions, not online international purchases, which may not be apparent to users.
Users making international purchases with the Cash App Card will be charged a 3% foreign transaction fee unless they meet the monthly qualifying purchase or deposit thresholds. Notably, even users who qualify for the fee waiver are only exempt on in-person card-present transactions, not on online international purchases.
ConductAtlas has identified this type of provision across 230 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Cash App.