Control your cash

It's always free to receive money to your personal Cash App account. It's also free to send money from your Cash App balance or your linked debit card. Cash App charges a 3% fee to send money from a linked credit card. When transferring money from Cash App to a linked account, there's no fee for a standard cash out, which typically takes 1-3 business days, while there is an instant deposit fee (0.5%-1.75%) for expedited transfers — typically funds are available within minutes.

No, if you don't have money in your Cash balance, money will be drawn from a linked debit card or bank account. There are a few different ways you can add money to your balance.

Link a debit card:

After you link a debit card, you can add money to your Cash balance. Adding money is quick and easy, and then you can send or spend it how you want.

Deposit paper money in stores:

You can deposit money into your Cash balance at many participating retailers around the country.

You can send money to anyone using their phone number or email address.

If they're not already a Cash App customer, they’ll be asked to create an account and verify their phone number or email by entering a one-time passcode to accept the payment. If they don’t create their account and verify their phone number or email within 14 days, the payment gets returned to you. Only residents of the United States can create Cash App accounts.

Cash App uses 24/7 fraud monitoring to keep your account safe. We also alert customers of potential scams and when they might be sending money to the wrong person. Since 2020, we’ve helped prevent up to $2 billion in potential scams.

With multiple proactive security features, Cash App keeps your money safe by encrypting data, preventing fraud, and verifying the identities of people who use the app. We also make it easy to sync your contacts to help you know that you’re sending money to the right person.