Cash App permits users as young as 13 to create accounts, but users under 18 require a parent or guardian sponsor. Sponsored accounts for minors are subject to the prepaid account terms and fee schedule.
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 clause establishes the scope of applicability for a specialized set of terms governing accounts with restricted usage rights or limited funding mechanisms, ensuring that specific account categories operate under defined regulatory constraints.
Interpretive note: The full scope of services available to sponsored minor accounts and the specific parental consent mechanism are defined in Section III, which was not fully reproduced in the available document excerpt.
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 →Minors aged 13 and older may use Cash App through a Sponsored Account arrangement that requires parental or guardian consent, and their accounts are subject to the prepaid account fee schedule and usage restrictions defined in Section III. Parents or guardians who sponsor a minor's account should review what features and services are accessible under that account type.
How other platforms handle this
Gemini apps aren't available for children under 13. In some countries, Gemini apps may not be available for users who are minors under the law of their country.
Spotify has a separate privacy policy for children under 13 that applies in all markets where we offer Spotify Kids. If you are under 13, you are not permitted to use the main Spotify Service. Younger users may have tailored advertising turned off by default. When you reach the appropriate age, you ...
Our services are not directed to people under the age of 13, and we don't knowingly collect personal information from anyone under 13. If you are under 13, please do not use the services or submit any personal information to us... For users between 13 and 17, we provide additional privacy protection...
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"This section applies to any Restricted Account or Prepaid Account (each as defined in Section III), including any Sponsored Account (each as defined in Section III) that is a Prepaid Account.— Excerpt from Cash App's Cash App Terms of Service
REGULATORY LANDSCAPE: Accounts for minors in financial services engage COPPA (Children's Online Privacy Protection Act) for users under 13, and state minor protection statutes for users aged 13 to 17. The CFPB and FTC have enforcement authority over minors' financial product disclosures and data practices. Financial services provided to minors may also engage state-specific minor financial contract laws affecting enforceability of the terms. GOVERNANCE EXPOSURE: Medium. The sponsored account framework requires parental consent mechanisms that must satisfy applicable regulatory standards. The enforceability of contractual terms against minors depends on state law and the nature of the parental consent process. If investment or virtual currency features are accessible to sponsored accounts, additional regulatory considerations arise. JURISDICTION FLAGS: COPPA applies to users under 13 and imposes specific parental consent requirements. State minor financial contract laws vary and may affect the enforceability of the Cash App Terms against users under 18. California and Illinois have heightened protections for minors' data and financial accounts. CONTRACT AND VENDOR IMPLICATIONS: The sponsored account structure may create liability exposure for Block, Inc. if parental consent mechanisms are not operationally robust, particularly if minors are able to access services for which they are ineligible. COMPLIANCE CONSIDERATIONS: Compliance teams should verify that the sponsored account consent process satisfies applicable state and federal requirements, that data practices for minor users comply with COPPA where applicable, and that access controls prevent minor account holders from accessing age-restricted features such as investing or virtual currency services.
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The clause establishes the scope of applicability for a specialized set of terms governing accounts with restricted usage rights or limited funding mechanisms, ensuring that specific account categories operate under defined regulatory constraints.
Minors aged 13 and older may use Cash App through a Sponsored Account arrangement that requires parental or guardian consent, and their accounts are subject to the prepaid account fee schedule and usage restrictions defined in Section III. Parents or guardians who sponsor a minor's account should review what features and services are accessible under that account type.
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