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 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 →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
eBay charges sellers for using many of our Services. In some cases, eBay may charge buyers for using certain of our Services. We may change our fees at any time by posting the changes on our Seller Center and, if applicable, informing you via email or through My eBay. eBay may, in its discretion, ch...
Except as expressly set forth herein, all fees and charges are non-refundable. All fees are exclusive of taxes, levies, or duties imposed by taxing authorities, and you shall be responsible for payment of all such taxes, levies, or duties.
When you send cryptocurrency, Coinbase may charge a network fee (also called a 'miner's fee') to process the transaction on the cryptocurrency network. The exact fee will depend on network conditions at the time of the transaction and will be disclosed prior to completing the send.
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"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 Cash App Terms of Service
1. REGULATORY LANDSCAPE: International remittance transfers are governed by the CFPB's Remittance Rule under Regulation E (12 CFR Part 1005, Subpart B), which requires pre-payment disclosure of fees, exchange rates, and the amount to be received by the recipient. FinCEN's BSA/AML requirements also apply to remittance transactions. State money transmitter licensing requirements apply in most U.S. jurisdictions. 2. GOVERNANCE EXPOSURE: Medium. The tiered fee structure is clearly disclosed in the fee schedule, which aligns with Regulation E's pre-payment disclosure requirements. Compliance with the Remittance Rule's exchange rate disclosure and error resolution requirements for each transfer type is a standard but operationally significant obligation. 3. JURISDICTION FLAGS: The Remittance Rule applies to remittance transfer providers that send more than 100 remittances per year, which Cash App clearly exceeds. State money transmitter laws apply in all states where the remittance service is offered. 4. CONTRACT AND VENDOR IMPLICATIONS: The fee waiver conditions tied to qualifying purchases and deposits create a loyalty-linked pricing structure that should be documented in compliance disclosures and confirmed against Regulation E's fee disclosure requirements. 5. COMPLIANCE CONSIDERATIONS: Legal teams should confirm that the pre-payment disclosures provided at the time of each remittance transfer comply with Regulation E's Remittance Rule requirements for itemized fee, exchange rate, and recipient amount disclosure.
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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.
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