Bank* without all the 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.

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.

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.

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.

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.

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.

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.