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 encryption and fraud detection technology to help keep your data and money secure. Any information you submit is encrypted and sent to our servers securely, regardless of whether you're using a public or private Wi-Fi connection or data service.

Cash App protects millions of people’s payments each month. Built on a secure platform, Cash App has proactive security features that power and protect your money, personal info, and transactions.