Cash App is the third-largest P2P payment platform in the US — owned by Block (formerly Square), with over 50 million active annual users. Verified users can send up to $7,500 per week — higher than Venmo’s $4,999.99 cap — and the app bundles Bitcoin trading, stock investing, and a free debit card alongside standard money transfers. The instant transfer fee starts at 0.5%, lower than Venmo’s flat 1.75%.
Cash App at a Glance
| Feature | Personal (Unverified) | Personal (Verified) | Business |
|---|---|---|---|
| Weekly sending limit | $250 | $7,500 | $17,500 |
| Receiving limit | $1,000/30 days | Unlimited | Unlimited |
| Instant transfer fee | Not available | 0.5–1.75% (min $0.25) | 0.5–1.75% |
| Standard transfer | Free (1–3 days) | Free (1–3 days) | Free |
| Cash Card | No | Yes | Yes |
| Bitcoin | No | Yes | Yes |
| Stocks | No | Yes | Yes |
| Direct deposit | No | Yes | Yes |
Sending Limits
Cash App limits operate on a rolling 7-day window — your limit refreshes gradually as older transactions age out.
| Account Type | Weekly Sending Limit | Per-Transaction Limit |
|---|---|---|
| Unverified | $250 | $250 |
| Verified (personal) | $7,500 | $7,500 |
| Business | $17,500 | $7,500 |
What counts toward the limit: Person-to-person payments and business payments. Cash Card purchases, Bitcoin buys, and stock purchases use separate limits.
Transfer Fees
| Transfer Type | Fee | Speed |
|---|---|---|
| Standard bank transfer | Free | 1–3 business days |
| Instant transfer to bank/debit | 0.5–1.75% (min $0.25) | Within 30 minutes |
| Send via credit card | 3% | Instant |
| Receive P2P payment | Free | Instant |
| Business payment received | 2.75% | Instant |
Cash App’s instant transfer rate starts at 0.5% — meaningfully lower than Venmo’s flat 1.75% and Apple Cash’s 1.5% at the low end. The rate you receive depends on your account and transfer history.
Cash Card Limits
The Cash Card is a free Visa debit card tied to your Cash App balance.
| Limit Type | Amount |
|---|---|
| Daily purchase limit | $7,000 |
| Daily ATM withdrawal | $1,000 |
| Per-ATM-transaction limit | $1,000 |
| Weekly ATM withdrawal | $1,000 |
| ATM fee (with $300+/month direct deposit) | Free |
| ATM fee (without qualifying direct deposit) | $2.50 + operator fee |
Bitcoin and Stock Limits
| Feature | Weekly Limit |
|---|---|
| Bitcoin buy | $100,000/week (verified) |
| Bitcoin sell | $100,000/week |
| Bitcoin withdrawal (Lightning) | $999/transaction |
| Stock investing | No stated cap |
Cash App Guides
Deep-dive guides for every aspect of Cash App:
- Cash App Limits 2026: Sending, Receiving & Withdrawal Limits — full breakdown by account type including Cash Card and Bitcoin
- Cash App Fees 2026: Instant Transfer, Credit Card & Business Charges — complete fee schedule and how to avoid every charge
- Cash App Review 2026: Pros, Cons & Who Should Use It — feature assessment, ratings, and who it’s best for
- Is Cash App Safe? Security, Scams & FDIC Risk Explained — common scams, FDIC status, account security
- How to Use Cash App: Send Money, Cash Out & Set Up Your Account — step-by-step setup and payment guide
- Cash App vs Venmo 2026: Which Is Better? — limits, fees, and use cases compared
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