Version history

Cash App's Terms of Service were updated in an update detected on July 24, 2026. The document's 'Last Updated' date was revised from July 7, 2026 to July 17, 2026, and a new section titled 'Cash App Beta Program XXV' was added. The operational significance of this new section cannot be determined from the change summary provided, as the content of the beta program section is not included in the diff.

Cash App added a new optional service called 'Earn in P2P' that allows eligible sole proprietors to receive commercial payments (for goods and services) directly in their personal Cash App account without opening a business account. The service requires identity verification, Social Security Number submission, and accurate designation of payments as either 'Earnings' or 'Personal'. Tax reporting obligations apply, including potential backup withholding if income exceeds IRS thresholds, and Cash App reserves the right to require users to transition to a business account at any time.

Cash App's terms of service navigation menu was updated on July 11, 2026 to add a link to 'Cash App Open Source Notice.' This is a documentation reference addition with no change to operative terms, user rights, obligations, or service functionality.

Cash App updated its Terms of Service on July 8, 2026 with changes to its Local Cash rewards program and the addition of a new Cash App Beta program. The Local Cash section now uses conditional language ('may have the opportunity' instead of 'have the opportunity'), removes a restriction on using Local Cash for tips and taxes, and adds a new rule that tips must be paid with Local Cash when Local Cash covers the entire pre-tip transaction amount. A new section establishes the Cash App Beta program, which allows selected users early access to development versions of the app with the understanding that features may include bugs, crashes, and changes without notice, and that Cash App can remove users from the beta program at any time.

Cash App removed the automatic fee waiver for Paper Money Deposits that previously applied to customers who met spending or deposit thresholds. Effective June 29, 2026, all customers are now charged the $1 Paper Money Deposit fee regardless of account activity. The terms also clarify that the fee waiver benefit previously offered to Cash App Green customers no longer applies to any customer segment.

Cash App updated the 'Last Updated' date in its Terms of Service from June 4, 2026 to June 23, 2026. This is a metadata update reflecting when the document was most recently revised. The substantive terms themselves remain unchanged; only the timestamp indicating the last modification date was updated.

Cash App updated its tax policy on June 24, 2026, restructuring how it describes tax obligations across Virtual Currency Services, Remittance Services, and general service use. The company removed a section that explicitly stated users are responsible for determining applicable taxes on Virtual Currency transactions and reporting to tax authorities. In its place, the updated terms add broader language stating users are responsible for determining taxes, fees, and governmental charges on all service use, and introduce explicit language authorizing the company to charge Indirect Taxes (sales, use, VAT, GST, and similar) as required by law. The updated terms also add formal language describing tax reporting obligations and information-sharing practices with governmental authorities.

Cash App added a reference to 'Cash App Mobile Terms of Service' in their linked terms documentation on June 9, 2026. This document was previously not listed in the terms index but is now explicitly referenced as an accompanying legal document. The operational effect is that users are now directed to consult this mobile-specific terms document alongside the main Cash App Terms of Service.

Cash App's June 5, 2026 update adds new provisions governing Cash App Tag (a wearable payment device) and establishes rules for how minors can use Cash App products through Sponsored Accounts. Parents authorizing a Sponsored Account for a teen now implicitly authorize the teen to request and activate a Cash App Card and add it to a Cash App Tag without seeking additional approval. The update also introduces two new fees: $25 for Cash App Tag purchase and $15 for expedited shipping.

Cash App updated its Paper Money Deposit fee policy effective June 29, 2026. Previously, the terms stated that eligible Cash App Green customers had their $1 Paper Money Deposit fee waived. The updated terms remove this waiver, establishing that all customers will be charged the $1 fee regardless of account type or activity level.

Cash App updated its terms to clarify how account and transaction limits apply when users have multiple Cash App accounts or cards. Previously, the terms stated withdrawal limits were available elsewhere without specifying how multiple accounts would be treated. The updated language now states that Cash App reserves the right to aggregate spending, transfer, withdrawal, and balance limits across all accounts associated with a user, and that transaction limits on multiple Cash App Cards will be calculated together regardless of card issuer, except for cards authorized for a Sponsored Person.

Cash App added a new section on May 15, 2026 describing USD-Funded Stablecoin Withdrawals, a service that allows users to convert USD from their Cash App Balance or linked payment instrument into stablecoins and transfer them to external blockchain addresses. The updated terms clarify that users do not own or control the stablecoins during this process, Cash App or its partners retain title until delivery, and users bear full responsibility for providing accurate withdrawal instructions and addresses, with no ability to reverse or refund transactions once initiated on the blockchain.

Cash App modified its fee waiver structure on April 28, 2026. Previously, spending $500+ monthly or receiving $300+ in deposits waived the Foreign Transaction Fee entirely. The updated terms now waive this fee only for card-present (in-person) transactions. Additionally, the Foreign Transaction Fee itself increased from 3% to 3.25%, and the terms reorganized fee waiver eligibility to now include ATM Withdrawals (in-network only) and Paper Money Deposits alongside the limited Foreign Transaction Fee waiver.

Cash App updated its Credit Score terms to clarify what data is used and how the score may be shared. The revised language specifies that the score is based on data from Cash App and its affiliates, not outside institutions, and is not shared with unaffiliated third-party lenders. The agreement also adds language stating that obtaining a Cash App Credit Score does not guarantee eligibility for any product or service.

Cash App reorganized its terms of service document structure on April 19, 2026, moving the "Generative AI Terms of Use" section from position XXII to position XXIII and creating a new "Other Legal Terms" section at position XXIV. Cross-references throughout the document were updated to reflect the new section numbers. The substantive provisions themselves were not materially altered; this is a structural reorganization with corresponding citation updates.

Cash App's Terms of Service footer navigation was updated on April 18, 2026 to add a 'Your Privacy Choices' link to the existing list of legal and policy documents. Previously, this link was not present in the navigation menu. The addition makes privacy choice options more directly accessible from the terms footer.

Cash App added a new section describing its Cash App Credit Score tool, effective April 16, 2026. The updated terms clarify that this score is designed for personal use only to help users understand their Cash App financial activity and eligibility for Cash App products. The terms explicitly state the score is not shared with lenders, is based only on Cash App data, and should not be represented to third parties or used to apply for credit elsewhere.

Cash App reorganized its Terms of Service document structure on April 11, 2026, moving sections and renumbering references. The 'Generative AI Terms of Use' section moved from section XXII to section XXIII, and a new 'Cash App Credit Score' section was added as section XXII. All internal cross-references throughout the document were updated to reflect the new section numbers. This is a structural reorganization with no changes to the substantive terms themselves.

Cash App discontinued its Gift Card feature and converted existing gift card balances to cash equivalents on April 5, 2026. The updated terms remove three provisions that previously described how gift cards functioned: account requirements, cash redemption rules, and merchant-specific usage restrictions. Users who held gift cards before this change now have their balances reflected as standard Cash App Balance rather than designated merchant credits.

Cash App updated its Terms of Service on April 2, 2026, with three substantive changes. First, the gift card redemption threshold was modified to allow California recipients to redeem below $15 instead of $10. Second, Cash App announced the discontinuation of its Remittance Service effective May 1, 2026, with automatic cancellation and refund procedures for pending transactions. Third, the document removed a navigational annotation and removed one outdated terms reference.

Cash App removed the 'Your Privacy Choices' link from its Terms of Service footer on March 25, 2026. Previously, the footer included a direct link labeled 'Your Privacy Choices' alongside other legal and support links. The updated footer no longer displays this link. This removal eliminates a direct navigation path to privacy controls that was previously accessible from the main Terms document.