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
This provision establishes a fee structure with conditional fee waiver mechanics tied to account activity thresholds, creating a tiered incentive structure for users to meet specified spending or deposit targets to reduce transaction costs.
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 →Users are subject to a $1 per-transaction deposit fee unless their account meets one of two monthly thresholds: $500 in Card/Pay purchases or $300 in direct deposits from employers or government agencies. Accounts meeting either threshold receive fee waivers for the subsequent calendar month.
How other platforms handle this
Coinbase One members enjoy $0 trading fees on up to $10,000 in trades per day. Coinbase One is a monthly subscription service. The spread still applies to Coinbase One transactions.
You can close your account at any time through the Revolut app, or by emailing us at support@revolut.com. You will still have to pay any charges you've incurred. We may also charge you any cancellation fees that apply to other agreements you've entered into with us (for example, if you cancel your M...
We may change our fees at any time. We will give you advance notice of any changes to fees where required by applicable law. The exchange rate used for currency conversion is set by Wise and may include a markup over the mid-market rate.
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"Paper Money Deposit Check your app for a list of participating retailers in your area. Our Paper Money Deposit Fee is $1 per transaction. 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 Paper Money Deposit Fee until the end of the following calendar month. As used throughout these disclosures, "Qualifying Purchases" means all authorized, completed purchases made with your Cash App Card and/or with Cash App Pay, minus any refunds or returns; and "Qualifying Deposits" mean (i) a direct deposit of payroll, pension or government benefits sent from your employer or a government agency via ACH transfer to your Cash App Balance and/or (ii) a deposit of payroll sent directly from your employer, contractee, or early wage access provider via Original Credit Transaction ("OCT") transfer using your Cash App Card to your Cash App Balance.— Excerpt from Cash App's Cash App Terms of Service
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This provision establishes a fee structure with conditional fee waiver mechanics tied to account activity thresholds, creating a tiered incentive structure for users to meet specified spending or deposit targets to reduce transaction costs.
Users are subject to a $1 per-transaction deposit fee unless their account meets one of two monthly thresholds: $500 in Card/Pay purchases or $300 in direct deposits from employers or government agencies. Accounts meeting either threshold receive fee waivers for the subsequent calendar month.
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