Cash App Bitcoin is a quoted buy/sell and transfer service operated by Block. The relevant comparison is the amount of bitcoin received or cash returned after the quoted price and fee, rather than a maker/taker order-book rate. US virtual-currency terms govern the hosted balance.[4][3]
Bitcoin purchases and recurring acquisition
Sections ↑Reference table01
Purchase routes
| Item | Published treatment | Practical scope |
|---|---|---|
| Market buy / sell | Amount-based fee schedule | Check the final conversion rate |
| Auto Invest | Included in zero-fee Auto Buy group | Recurring acquisition |
| Round Ups | Included in zero-fee Auto Buy group | Eligible linked spending feature |
| Paid in Bitcoin | Included in zero-fee Auto Buy group | Eligible income-allocation feature |
Transaction amounts and the zero-fee boundary
Sections ↑Reference table02
Published market buy/sell fees
| Item | Published treatment | Practical scope |
|---|---|---|
| US$1–499 | 2% | Amount band shown on fee page |
| US$500–999 | 1.5% | Same published schedule |
| US$1,000–1,999 | 0.9% | Same published schedule |
| US$2,000+ | 0% | Fee table threshold |
Reference table03
Fee and spread are separate
| Item | Published treatment | Practical scope |
|---|---|---|
| Auto Buy | 0% fee and zero spread advertised | Applies to named Auto Buy features |
| Large purchases | Zero fee and spread described for purchases over US$2,000 | The FAQ wording is narrower than the US$2,000+ fee-table row |
| Ordinary conversion | Terms permit a buy/sell spread | Do not assume a zero fee means zero spread |
| At exactly US$2,000 | Fee table says 0% | Confirm spread in the preview because the prose says over US$2,000 |
Reference table04
Illustrative scheduled fees
| Item | Published treatment | Practical scope |
|---|---|---|
| US$100 market transaction | US$2 | 2% fee only |
| US$750 market transaction | US$11.25 | 1.5% fee only |
| US$1,500 market transaction | US$13.50 | 0.9% fee only |
| US$2,500 market transaction | US$0 | Fee calculation; do not infer a sale spread waiver |
Purchase funding and withdrawal choices
Sections ↑Reference table05
Funding and transfer stages
| Item | Published treatment | Practical scope |
|---|---|---|
| Purchase funding | Cash App balance or eligible external source | Account limits and availability apply |
| Bitcoin withdrawal | Separate network-transfer instruction | Speed and eligibility are shown in the app |
| Standard withdrawal | No fee; published target within 24 hours | Minimum and route availability apply |
| Expanded limits | February 2026 announcement says eligible limits rose fivefold | Not one universal dollar limit for all accounts |
Ownership of the hosted bitcoin balance
Sections ↑Reference table06
US contractual custody treatment
| Item | Published treatment | Practical scope |
|---|---|---|
| Title | Remains with the customer | Block maintains account ownership records |
| Asset status | Terms say customer virtual currency is not company property | Contractual treatment is not an insurance promise |
| Use of assets | Terms restrict sale, lending and other alienation without instruction, subject to stated exceptions | Read alongside applicable law and account terms |
Reference table07
Protection boundaries
| Item | Published treatment | Practical scope |
|---|---|---|
| Bitcoin | No FDIC or SIPC protection | Value and custody risks remain |
| Cash balance | Separate account and bank arrangements | Any eligible cash protection does not attach to bitcoin |
| Cash App Investing | Separate securities business | Not the provider of the bitcoin service |
Personal accounts and sponsored teens
Sections ↑Reference table08
Account access conditions
| Item | Published treatment | Practical scope |
|---|---|---|
| Standard virtual-currency account | US resident, personal use and adult eligibility | Additional identity and source-of-funds information may be requested |
| Physical use | US use and supported locations required | State or territory restrictions may apply |
| Sponsored teens | Eligible sponsor may enable virtual-currency features | Separate limits and sponsor responsibility |
| Sponsored children | Virtual-currency enablement is not permitted under the cited provision | Do not equate every sponsored account with bitcoin access |
Help, transaction records and unsupported assets
Sections ↑Cash App lists cash.app/help and 1-800-969-1940 in its US terms. For a bitcoin case, keep the purchase or transfer reference and the relevant address or transaction hash. Forks and airdrops are not automatically owed merely because the underlying network created them; the service must expressly support the resulting asset.[4][3]
Operator and financial-product scope
Sections ↑Block supplies the virtual-currency service. Cash App’s disclosures describe New York virtual-currency licensing for the relevant Block entity; that is distinct from the separate cash and securities products and is not a guarantee of bitcoin value or withdrawal availability.[3]
Account events that affect access
Sections ↑Reference table09
Cancellation and availability
| Item | Published treatment | Practical scope |
|---|---|---|
| Submitted request | Customer cannot cancel a buy, sell or transfer instruction | Confirm details first |
| Disruption | Access or transactions may be suspended | Resumption can occur at a different market price |
| Asset removal | Terms describe a 30-day transfer window | Support must arrange withdrawal if an unsupported residual remains |
- Operator
- Block, Inc. and service-specific Cash App entities
- Exchange model
- Centralised
- Service scope
- Cash App provides quoted bitcoin purchases, sales and transfers. Its published fee tiers, zero-fee auto-buy routes and hosted-balance rules differ from an order-book exchange.
- Client types
- Retail clients
- Pricing publication
- Public pricing
- Pricing scope
- Market buy/sell published bands: 2%, 1.5%, 0.9% and 0% at US$2,000+. Auto Buy advertises zero fee/spread; large-purchase spread wording says over US$2,000.
- Funding scope
- USD-linked Cash App balance and supported bank/card rails with conditions; Bitcoin on-chain and Lightning sending/receiving subject to network, value and account limits.
- Custody and asset handling
- US terms retain customer title to hosted virtual currency and record beneficial ownership. Bitcoin is not FDIC or SIPC insured.
- Client eligibility
- US personal virtual-currency account under age/residency checks; eligible sponsored teen accounts have separate rules. Sponsored children cannot be enabled for virtual-currency services.
- Support
- Official Cash App help at cash.app/help; US terms list 1-800-969-1940.
- Authorisation and registration scope
- Block, Inc.-related virtual currency and state money services are legally separate from a bank deposit or securities account; cryptocurrency is not bank insured.
Exchange metadata checked 26 Oct 2026Source 1Source 2Source 3Source 4
Covered contracting entities
Sources & further reading
- Cash App published bitcoin fees and network treatment Cash App · Accessed 26 Oct 2026
- February 2026 Bitcoin fee and withdrawal changes Cash App · Accessed 26 Oct 2026
- Cash App US bitcoin disclosures Cash App · Accessed 26 Oct 2026
- Cash App US Terms of Service Cash App · Accessed 26 Oct 2026
This profile reports dated public information, including exchange-published services and terms. It does not independently test or guarantee trading, custody, pricing or withdrawals. Inclusion is not an endorsement. Permissions and protections apply only to the named legal entity, service and client category; check the current official records and your contract.