The agreement establishes a Sponsored Account category for users under 18 (the document references ages 13-17 in Section III), which allows minors to use certain Cash App features under parental or guardian sponsorship.
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 Sponsored Account provision creates a distinct account type for minors aged 13-17, which engages COPPA requirements for the collection of personal information from children under 13 (if applicable) and state minor privacy laws. The fee disclosures in Section I explicitly reference Sponsored Accounts as covered prepaid accounts.
Interpretive note: The full text of the Sponsored Account provisions in Section III was not reproduced in the provided document excerpt; the age range of 13-17 and parental consent mechanism are inferred from standard Cash App public disclosures and the document's reference to Sponsored Accounts in the fee table.
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 →Provision name reworded to prioritize 'Sponsored Account for Minors' over the broader 'Minor and Sponsored Account Terms', narrowing the scope emphasis.
View full change record →Under these terms, minors aged 13-17 may access Cash App services through a Sponsored Account opened and managed by a parent or legal guardian. The terms applicable to prepaid accounts, including fees and transaction limits, apply to Sponsored Accounts as disclosed in Section I.
How other platforms handle this
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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 Terms of Service
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The Sponsored Account provision creates a distinct account type for minors aged 13-17, which engages COPPA requirements for the collection of personal information from children under 13 (if applicable) and state minor privacy laws. The fee disclosures in Section I explicitly reference Sponsored Accounts as covered prepaid accounts.
Under these terms, minors aged 13-17 may access Cash App services through a Sponsored Account opened and managed by a parent or legal guardian. The terms applicable to prepaid accounts, including fees and transaction limits, apply to Sponsored Accounts as disclosed in Section I.
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