Cash App is a peer-to-peer money transfer service. Many Cash App transactions between users are free, but there are instances in which you may be charged a small fee for a transaction. If you use a personal Cash App account linked to your bank account or debit card and aren't in a rush to transfer payments, then you might have to pay a single cent for your transactions. However, if you opt to use a credit card to send money or need an instant transfer, Cash App charges minimal fees. Cash App Fees are differentiated into some categories.