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 provision creates a conditional fee structure where the deposit fee obligation is suspended based on specified account activity thresholds, establishing a usage-based incentive mechanism that affects the cost basis of deposit transactions month to month.
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 →Users are subject to a $1 per-transaction paper money deposit fee unless their account meets one of two activity thresholds in a given month, in which case the fee is waived for that month and the following calendar month. The fee reapplies if activity falls below the specified thresholds in subsequent months.
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 must notify us in writing within 60 days of the date of the applicable AWS invoice or usage report if you dispute any charges and provide us with reasonable detail regarding the nature of the dispute. If you do not provide such notice, you will have waived your right to dispute such charges.
We may change our fees and exchange rate spreads at any time by giving you notice in accordance with this Agreement. Changes to fees and exchange rates may take effect immediately or on a date specified in the notice.
Monitoring
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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.— Excerpt from Cash App's Cash App Terms of Service
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The provision creates a conditional fee structure where the deposit fee obligation is suspended based on specified account activity thresholds, establishing a usage-based incentive mechanism that affects the cost basis of deposit transactions month to month.
Users are subject to a $1 per-transaction paper money deposit fee unless their account meets one of two activity thresholds in a given month, in which case the fee is waived for that month and the following calendar month. The fee reapplies if activity falls below the specified thresholds in subsequent months.
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