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 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 →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.
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"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
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. Regulation E and the Truth in Savings Act disclosure requirements may also apply. The CFPB has authority to enforce these disclosure obligations. GOVERNANCE EXPOSURE: Low. The fee is disclosed in the account opening fee table as required. The distinction between card-present and card-not-present transactions for the fee waiver is operationally significant and is stated in the disclosure, but compliance teams should verify that this nuance is communicated clearly to users at the point of international transactions. JURISDICTION FLAGS: The foreign transaction fee applies to US account holders making international transactions. State-level prepaid card disclosure requirements may impose additional notice obligations in certain jurisdictions. CONTRACT AND VENDOR IMPLICATIONS: Business account holders who travel internationally or make cross-border payments should factor the 3% fee into cost calculations, noting that the waiver does not apply to online international purchases regardless of activity thresholds. COMPLIANCE CONSIDERATIONS: Compliance teams should confirm that the card-present versus card-not-present distinction in the fee waiver is disclosed at the point of transaction in a manner that satisfies Regulation E and Prepaid Account Rule requirements.
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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.
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