The agreement discloses a tiered fee structure for the Remittance Service: bank transfers of $300 or more are free; bank transfers under $300 carry a $1.99 fee; cash pickup transfers of $300 or more carry a $1.99 fee; and cash pickup transfers under $300 carry a $3.98 fee.
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 remittance fee structure creates distinct cost tiers based on transfer amount and delivery method, which is relevant to the Consumer Financial Protection Bureau's remittance transfer rules under Regulation E (the Remittance Rule), which requires pre-payment disclosure of fees, exchange rates, and amounts to be received.
The updated terms change how Cash App Tag purchase fees are calculated and disclosed. Rather than a fixed $25 fee, the purchase price now ranges up to $250 and varies based on the specific tag selected and the customer's account type. The terms state that 'the specific fee amount is disclosed before you complete your Cash App Tag purchase,' meaning the final price appears at checkout. Additionally, the terms now extend Cash App Tag eligibility to Children using Sponsored Accounts, whereas the prior language explicitly prohibited Children from requesting, receiving, or using Tags in connection with Sponsored Accounts. You can review the specific fee before completing a purchase, and parents authorizing Sponsored Accounts should understand that their child may now access Cash App Tag functionality within the limitations set by the account sponsor.
View change record →The updated terms introduce a new Bitcoin Auto-Withdrawal feature that lets users authorize recurring, automated transfers of bitcoin from their Cash App balance to an external wallet on a schedule they choose. The terms state that these transfers operate subject to the same daily and rolling transfer limits, identity verification, and compliance screening as manual withdrawals, and are irreversible once broadcast to the blockchain. The revised language also establishes that funds from external sources will be subject to withdrawal restrictions for a minimum of 7 days and as long as 60 days, replacing the prior language stating restrictions would apply 'until fully settled'. Users can cancel or modify Auto-Withdrawal schedules through the app at any time, but Cash App states it cannot stop transfers already initiated at the time it receives a cancellation request.
View change record →The updated terms establish a new pathway for self-employed individuals to accept commercial payments without opening a business account, but impose significant compliance obligations. Users must provide a nine-digit Social Security Number, accurately tag payments as 'Earnings' or 'Personal', and comply with federal tax reporting requirements, including potential 24% backup withholding if SSN is not on file. Misdesignating payments to avoid tax thresholds can result in account suspension or termination. You can enroll in the optional Earn in P2P service by completing identity verification and providing your SSN, but you should consult a tax advisor regarding your specific tax obligations.
View change record →New remittance service fees provision establishes tiered pricing for international money transfers, a growing service line for Cash App with distinct fee structures for bank transfers versus cash pickup methods.
View full change record →Under these terms, users sending money internationally via the Remittance Service pay fees ranging from $0 to $3.98 depending on transfer amount and delivery method. The specific fee applicable to each transaction is disclosed in the fee schedule, with higher fees applicable to smaller cash pickup transfers.
How other platforms handle this
Any renewal of your AC WhatsApp Service subscription or your WhatsApp Credit Subscription will be at the then current prices listed on, or otherwise accessible via, the ActiveCampaign Pricing page without applying any prior discount.
Charge interest on any overdue payments at a rate equal to the Reserve Bank of Australia's cash rate, from time-to-time, plus 2% per annum, calculated daily and compounding monthly.
Realms is a subscription service and the cost is as detailed on the applicable purchase pages and / or platform at the time of purchase
"Sending money from your Cash App Balance using the Remittance Service (bank transfer) If the transfer amount is $300 or more, there is no transfer fee. Sending money from your Cash App Balance using the Remittance Service (bank transfer) If the transfer amount is less than $300, there is a transfer fee. Sending money from your Cash App Balance using the Remittance Service (cash pickup) If the transfer amount is $300 or more, there is a transfer fee. Sending money from your Cash App Balance using the Remittance Service (cash pickup) If the transfer amount is less than $300, there is a transfer fee.Excerpt from Cash App's Terms of Service
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The remittance fee structure creates distinct cost tiers based on transfer amount and delivery method, which is relevant to the Consumer Financial Protection Bureau's remittance transfer rules under Regulation E (the Remittance Rule), which requires pre-payment disclosure of fees, exchange rates, and amounts to be received.
Under these terms, users sending money internationally via the Remittance Service pay fees ranging from $0 to $3.98 depending on transfer amount and delivery method. The specific fee applicable to each transaction is disclosed in the fee schedule, with higher fees applicable to smaller cash pickup transfers.
ConductAtlas has identified this type of provision across 230 platforms. See the full comparison.
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