Cash App's terms of service, in plain English

Heavily one-sided. Read the actions. Risk score 56/100 · 10 clauses that matter · 4 high risk

You pay $1 to deposit cash and 3% for foreign transactions.

Watch this document We re-read it on a schedule. If it changes, you hear about it in dollars and days.

What you sign away

The right to overdraft or use credit
The right to dispute certain transactions
The right to use the service without paying fees

high risk Price changes

Fees

If you deposit cash, you'll pay $1 per transaction. Some services are free, like receiving money or sending money within the US.

high risk Price changes

Foreign Transaction Fee

You'll pay a 3% fee for foreign transactions. However, this fee can be waived if you spend $500 or more in qualifying purchases or receive $300 or more in qualifying deposits each month.

high risk Limits on their liability

No Warranty

Cash App doesn't offer overdraft or credit features, so you can't spend more than you have in your account.

high risk Account termination

Account Closure

Cash App can close your account at any time, and you won't be able to use the service anymore.

medium risk Changes without notice

Changes to Terms

Cash App can change its terms at any time, and you agree to the revised terms by continuing to use the service.

medium risk How long data is kept

Data Collection

Cash App collects information about you and your transactions, and may share this information with third parties.

medium risk Transfer to third parties

Information Sharing

Cash App may share your information with third parties, such as merchants or other financial institutions.

medium risk Refunds and cancellation

Refund Policy

You can request a refund, but the process and outcome are not guaranteed.

What to do about it

You can initiate a refund request by contacting Cash App Support at 1-800-969-1940 or at https://cash.app/help

low risk Governing law and venue low confidence

Governing Law

The terms are governed by the laws of a specific jurisdiction, but it's not clear which one.

low risk Age restrictions low confidence

Age Restrictions

You must be at least 18 years old to use Cash App.

Generated by AI and it can be wrong. Every point links to the source clause so you can check it. This document was last read on August 27, 2026. Read the original. This document was long enough that we read the first portion of it.