Cash App Instant Transfer Fee
Moving money from your Cash App balance to a linked bank account instantly costs between 0.5% and 1.75% of the amount, with a $0.25 minimum. A standard deposit, by contrast, is free, it just takes 1-3 business days to land instead of minutes.
Instant transfer fee range by amount
| Transfer amount | Instant fee (0.5%-1.75%) |
|---|---|
| $100.00 | $0.50 - $1.75 |
| $200.00 | $1.00 - $3.50 |
| $300.00 | $1.50 - $5.25 |
| $500.00 | $2.50 - $8.75 |
| $1,000.00 | $5.00 - $17.50 |
The exact rate within this range is set at the time of transfer and shown before you confirm, Cash App doesn't publish a fixed formula for where in the band a given transfer lands. Checked 2026-09-13.
This is a different fee from the selling fee
If you're running a Cash App for Business account and accepting payment for a sale, that's a flat 2.75% fee on the payment itself, covered by the Cash App fee calculator. The instant transfer fee on this page is separate: it applies when you move whatever balance you already have (from a sale, or from anywhere else) into your bank account faster than the free standard option. Selling something and then instantly cashing out the proceeds means paying both fees, one on the sale, one on the transfer.
When paying for instant actually makes sense
The fee buys speed, minutes instead of 1-3 business days, nothing else. For most sellers who aren't in urgent need of the cash, the standard free deposit is the better default; the instant option earns its cost specifically when the 1-3 day wait would otherwise cause a real problem, covering a bill, restocking inventory before the next sale, or any other time-sensitive need.
For the fee on the sale itself, see the Cash App fee calculator.