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Bank* on your terms

Order a Cash App Card

Send money for free

Save for your goals

Know your money is safe

Deposit your paychecks

Pay over time with Cash App Afterpay

Save on everyday spending

Buy stocks with no commission fees

Buy and sell bitcoin easily

File your taxes for free

Get a secure debit card for your teens

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Scan to Download Cash App

Download Cash App

Bank* without all the fees

There are no hidden fees when you bank through Cash App

Cash App is a financial services platform, not a bank. Banking services are provided by Cash App’s bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. See Terms and Conditions.
NO MONTHLY FEES

Get full access to your money without the hassle of monthly or hidden fees.

ATMs

Withdraw cash at over 40,000 in-network ATMs for free when you direct deposit $300+ in paychecks each month.

NO OVERDRAFT FEES

We never charge overdraft fees. Plus, you can unlock up to $200 in free overdraft coverage.**

Get overdraft coverage
Direct deposit and free overdraft coverage provided by Cash App, a Block Inc. brand. Free overdraft coverage is available every month you have at least $300 direct deposited into your Cash balance.

Direct deposit $300+ monthly, get benefits

Up to $200 in free overdraft coverage

Free in-network ATM withdrawals

Free paper money deposits

Real people save on fees with Cash App

“To me, it’s just an easier alternative to using a bank. Less fees, no overdrafting.”

“I switched to Cash App to avoid bank fees—now I get paid early, never worry about overdrafts, and save more every month.”

“Cash App doesn’t nickel and dime me. Everything just works.”

Mobile banking built for security

Learn about security

24/7 fraud monitoring

Real-time transaction alerts

Card lock and security lock

Common questions

Does Cash App charge monthly fees?

No. Cash App does not charge any monthly fees. You can create an account for free and even have $0 in your Cash balance without being charged a fee.

Are there overdraft fees on Cash App?

We don’t charge overdraft fees. If you ever spend more than you have in your Cash balance with your Cash App Card, your transaction will be declined instead. Plus, when you direct deposit $300 or more in paychecks each month, you can get up to $200 in free overdraft coverage.

Is there a fee to withdraw cash from an ATM?

There’s a $2.50 fee per ATM withdrawal, but you can withdraw from in-network ATMs for free if you direct deposit $300 or more in paychecks each month—and we’ll reimburse you for 1 out-of-network withdrawal each month.

Does Cash App charge for sending or receiving money?

No, sending and receiving money on Cash App is always free. You’ll never pay to split rent, pay back a friend, or accept a payment.

What is the fee for an instant transfer?

Instant transfers to your linked debit card or bank account cost 0.5%–1.75% of the total, with a $0.25 minimum. Standard transfers are always free and arrive in 1–3 business days.

Are there any fees for using Cash App internationally?

When you use your Cash App Card internationally, there’s a 2% foreign transaction fee, but this fee is waived if you direct deposit $300 or more in paychecks each month.

Is Cash App really free to use?

Yes, most people use Cash App without ever paying a fee. If there are ever fees for something like instant transfers or ATM withdrawals, you’ll know about them before you continue.  

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Buy stocks with no commission fees***

Start investing

Save on everyday spending

Explore offers

Save for your goals, your way****

Start saving
Scan to download Cash App
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1 (800) 969-1940

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Cash App is a financial services platform, not a bank. Banking services are provided by Cash App’s bank partner(s). Prepaid debit cards issued by Sutton Bank, Member FDIC. See Terms and Conditions.
Direct deposit and free overdraft coverage provided by Cash App, a Block Inc. brand. Free overdraft coverage is available every month you have at least $300 direct deposited into your Cash balance.
Brokerage services provided by Cash App Investing LLC, member FINRA/SIPC, subsidiary of Block, Inc., formerly known as Square, Inc. See our BrokerCheck. Bitcoin services are not licensable activity in all U.S. states and territories. Block, Inc. operates in New York as Block of Delaware and is licensed to engage in virtual currency business activity by the New York State Department of Financial Services. Investing and bitcoin are non-deposit, non-bank products that are not FDIC insured and involve risk, including monetary loss. Cash App Investing does not trade bitcoin and Block, Inc. is not a member of FINRA or SIPC. For additional information, see the Bitcoin and Cash App Investing disclosures.
Additional fees for securities may apply such as regulatory fees and fees to transfer securities externally. Please see our House Rules for more information.
To earn interest on your Cash App savings balance, you need to be 18 or older and have a Cash App Card. To earn the highest interest rate Cash App offers, you also need to direct deposit at least $300 monthly into Cash App. Sponsored Accounts are not eligible to earn interest. Other exceptions may also apply. Savings yield rate is subject to change.
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