does cash app charge a fee for stocks? Quick guide

Does Cash App charge a fee for stocks? Quick guide

Asking "does cash app charge a fee for stocks?" is a common first step for new investors on Cash App Investing. Does Cash App charge a fee for stocks? Short answer: Cash App does not charge per-trade commissions for buying or selling U.S. stocks and ETFs, but government/regulatory fees, transfer charges, and other account-specific costs may apply and will be disclosed at the time of your trade.

As of 2026-01-22, according to Cash App’s official investing help pages and House Rules, the platform’s core fee philosophy is commission-free trading for U.S. stocks and ETFs, with some exceptions for regulatory passthroughs and outbound transfer fees.

This guide explains how Cash App fees for stocks work, where fees may appear, typical fee amounts and variability, how fractional shares and transfers are handled, and practical steps to verify fees before you trade.

Overview of Cash App Investing

Cash App Investing is Cash App’s brokerage offering, provided through Cash App Investing LLC. It lets U.S. users buy and sell U.S. equities and ETFs, including whole and fractional shares. The service emphasizes accessibility: no account minimum, commission-free trades for stocks and ETFs, and a mobile-first experience integrated with Cash App’s payments app.

Key platform features:

• Support for U.S. stocks and many ETFs.
• Fractional-share investing (common minimum purchases as low as $1).
• Commission-free trades on standard stock and ETF orders (excluding regulatory and other pass-through fees).
• Order routing and execution via Cash App’s carrying broker relationships and disclosed execution practices.

Does Cash App charge a fee for stocks? While there is no standard brokerage commission, you may still see regulatory and administrative fees connected to some transactions; the platform discloses these before you finalize a trade.

Commissions and Trade Fees

Cash App’s headline policy: there is no per-trade commission charged to customers for buying or selling stocks and ETFs. That means you will not see a standard broker commission line item like older brokerage models used to charge.

Does Cash App charge a fee for stocks in the form of commissions? No — trades are commission-free. However, the absence of a commission does not mean every trade is entirely fee-free; there are other types of fees (explained below) that can apply depending on the transaction.

Fractional Shares and Minimums

Cash App allows fractional-share purchases to lower barriers to entry. Typical rules include:

• Minimum purchase amounts often start at $1 for fractional-share buys.
• Fractional shares cannot be transferred via ACATS to another broker; only whole shares are transferable. If you hold fractional shares and request a full transfer, fractional portions may be sold or remain on the platform per Cash App’s House Rules.
• Round-Up or recurring purchase features may have their own minimum thresholds and rules.

Fractional share limitations are important if you plan to move positions offline or to another brokerage in whole-share form.

Government and Regulatory Fees

Although Cash App does not charge commissions, certain government and regulatory fees collected by agencies may apply and are passed through to users. These are not Cash App profits; they are statutory or regulatory charges that brokers often collect and remit.

Typical regulatory fees include:

• FINRA Trading Activity Fee (TAF): Historically shown as a very small amount per share sold (e.g., roughly $0.000166 per share, rounded to the nearest penny and subject to a cap), and typically applies to sell transactions.
• SEC fee: A fee assessed on the dollar amount of covered sales, presented historically as a small fraction per $1,000,000 of sales; it applies to sell transactions and is passed through to the SEC.

Does Cash App charge a fee for stocks in the form of regulatory fees? Yes — regulatory fees may apply (generally on sell trades) and are disclosed at the time of trade confirmation. Cash App states these fees are remitted to the relevant regulatory bodies.

Typical Fee Amounts and Variability

Regulatory fees are generally very small per transaction and change over time due to regulatory updates. Examples historically cited in broker disclosures include:

• Trading Activity Fee (TAF): historically around $0.000166 per share sold (subject to rounding and caps).
• SEC fee: historically calculated as a small amount per $1,000,000 of covered sales and adjusted periodically.

Because these figures are subject to change, Cash App’s Investing Fees and House Rules pages are the authoritative sources for current amounts. Always check the fee disclosure on the trade confirmation screen for the exact regulatory fees that will apply to a specific order.

Other Cash App Investing Fees and Charges

Beyond regulatory fees, there are a few additional charges and account actions where Cash App may apply fees or where third-party costs may be relevant:

• Outbound ACATS (full-stock transfer) fee: Cash App typically charges a fee for outbound full-account transfers via the Automated Customer Account Transfer Service (ACATS). This fee has commonly been $75 for completed outbound transfers and may be debited from your account or applied at the time of transfer. Note: receiving brokers may also impose fees.
• Administrative or account-specific fees: Certain rare administrative actions (like paper statements, research requests, or manual interventions) may carry fees per Cash App’s House Rules, though many routine platform services are free.
• Foreign transaction or non-U.S. products: Cash App primarily supports U.S. securities; trades involving international settlement, ADRs, or product types outside the platform’s standard offering may involve different rules or charges.

Cash App generally states regulatory fees are passed through to the regulators and not kept by the company.

Payment for Order Flow and Execution Considerations

How does Cash App execute orders? Cash App discloses order-routing practices, including relationships with carrying brokers and potential payment for order flow (PFOF) arrangements. Payment for order flow is a common industry practice where certain market centers pay broker-dealers for routed retail order flow.

Important points:

• PFOF and routing practices do not change the fact that you pay no commission to Cash App for commissions on stock/ETF trades.
• Execution quality can be affected by routing; brokers disclose execution statistics and payment-for-order-flow relationships in regulatory disclosures. Cash App provides execution and routing disclosures in the investing legal pages.
• Cash App may show price improvement or routed fills depending on market conditions and the market centers used.

If execution quality or order routing is a priority, review Cash App’s disclosed execution quality reports and carrying broker disclosures.

Settlement, Proceeds, and Cash Balance

Settlement timing and how proceeds are posted matter when thinking about fees and access to funds.

• Settlement: U.S. equity trades settle on the industry standard (currently T+2 business days). That means the official settlement of a trade occurs two business days after the trade date.
• Proceeds: Proceeds from stock sales are typically credited to your Cash balance once settled. Cash App distinguishes brokerage custody assets (which are held in the brokerage account and are generally eligible for SIPC protection) from the app’s Cash balance product.
• SIPC protection: Cash App’s brokerage accounts are subject to SIPC protection for securities and cash held in brokerage custody, within SIPC limits. The Cash balance product and its protection may be different; consult Cash App disclosures for exact protections and limits.

Always check how Cash App labels available buying power and whether funds are settled before initiating new trades or transfers.

Transferring Stocks Off Cash App (ACATS)

If you plan to move your holdings away from Cash App to another broker, the ACATS process and its limitations are important.

• Whole-share transfers only: ACATS supports movement of whole shares. Fractional shares cannot be transferred via ACATS; fractional holdings may be liquidated or remain on Cash App per their House Rules.
• Typical timing: An outbound ACATS transfer often completes within 3–6 business days after initiation, though timing can vary based on receiving broker procedures and the status of the assets.
• Outbound transfer fee: Cash App commonly charges a fee (historically $75) for completed outbound transfers. This fee is applied to full outbound transfers and is disclosed in transfer help pages and the House Rules.

If you plan to consolidate accounts, consider converting fractional positions into whole shares or selling fractional shares and transferring proceeds, but be mindful of potential regulatory fees on sell transactions.

Fees for Cryptocurrency vs. Stocks

Cash App also supports cryptocurrency transactions, which operate under a different fee structure than stock and ETF trades.

• Crypto fees: Crypto transactions can include spreads, transaction fees, or variable service fees based on market volatility. These are separate from the stock/ETF commission-free policy.
• Stocks vs crypto: The commission-free policy typically applies to U.S. stock and ETF trading. Crypto purchases and sales may include different disclosures; check the crypto trade confirmations for applicable fees.

If you intend to use Cash App for both stocks and crypto, review the distinct fee disclosures for each product before trading.

How Cash App Discloses Fees to Users

Cash App uses multiple disclosure points to keep users informed about fees:

• Pre-trade disclosure: Before you confirm a trade, applicable fees (including regulatory fees) are displayed on the trade confirmation screen.
• Trade confirmations: After execution, confirmations include a breakdown of fees and charges associated with the transaction.
• Legal pages: Cash App’s Investing Fees, House Rules, and general Investing help pages summarize the fee policies, regulatory passthroughs, and transfer fees.

Does Cash App charge a fee for stocks? Any fees that do apply are intended to be visible before you finalize a trade; review the confirmation screen for the exact amounts.

Comparison with Other Brokers (brief)

Many retail brokerages now offer commission-free trading for U.S. stocks and ETFs, so Cash App’s no-commission policy is broadly consistent with industry trends. Differences across providers typically show up in:

• How regulatory fees are presented and applied.
• Transfer and outbound fees for ACATS or account transfers.
• Availability of account types (IRAs, margin accounts) and product breadth.
• Execution quality, routing policies, and disclosures.

If you compare providers, evaluate the full cost of ownership: regulatory fees, transfer costs, cash-management protections, execution quality, and any product restrictions (like fractional-share transfer limitations).

Note: when evaluating other trading platforms, consider platform-specific features and protections. If you need a platform for advanced features or access to broader product sets, review each provider’s legal and fee disclosures carefully.

Frequently Asked Questions

Q: Are trades commission-free on Cash App?

A: Yes—Cash App does not charge a standard commission for buying or selling U.S. stocks and ETFs. Remember that regulatory fees may still apply on certain transactions.

Q: Will I pay regulatory fees when I trade?

A: Regulatory fees are commonly assessed on sell transactions and are passed through to the appropriate agencies. Cash App discloses these fees before you confirm a trade.

Q: Is there a fee to transfer stocks off Cash App?

A: Yes—Cash App typically charges an outbound ACATS transfer fee (historically $75) for completed full-account transfers. Fractional shares cannot be transferred via ACATS.

Q: Are there account or inactivity fees?

A: Cash App Investing generally does not charge maintenance or inactivity fees. Check the House Rules for any uncommon administrative fees.

Q: Do fractional shares affect transfers?

A: Fractional shares cannot be transferred via ACATS. If you plan to move holdings, convert fractional shares to whole shares or be prepared for platform-specific handling of fractional amounts.

Practical Advice and Best Practices

• Always check the trade confirmation screen before finalizing any buy or sell order to see exact fees for that transaction.
• Review Cash App’s Investing Fees page and Cash Investing House Rules for current fee schedules and transfer policies.
• If you hold fractional shares and plan to transfer accounts, understand that fractional pieces typically cannot move via ACATS and may be sold or otherwise handled by Cash App.
• Consider settlement timing (T+2) before using proceeds from a sale to fund new settled purchases or transfers.
• For crypto activity, review separate crypto fee disclosures; crypto fees differ from stock fee policies.
• If you use a Web3 wallet, consider Bitget Wallet for custody and interoperability. If you need exchange features or a broader product set, explore Bitget’s offerings as a complementary platform for advanced trading needs.

Call to action: Check the Investing Fees and House Rules pages in your Cash App account before you trade, and monitor the trade confirmation screen to confirm any regulatory amounts.

Sources and Further Reading

As of 2026-01-22, the following Cash App official pages were used as the primary references for this guide (check the platform’s current legal pages for updates):

• Investing Fees — Cash App (Investing Fees page)
• Buy and Trade Stocks on Cash App (marketing overview)
• Cash Investing House Rules — Cash App legal pages
• Transferring Stock to Another Broker-Dealer (ACATS) — Cash App help
• Cash App Investing (help overview)
• Buying Stock (Cash App help)

These pages provide the authoritative, up-to-date details about regulatory fees, transfer fees, fractional-share policies, and trade disclosure practices. Always consult Cash App’s official notices for the most current figures and procedures.

截至 2026-01-22，据 Cash App 官方帮助与 House Rules 报道，上述政策与披露为本文事实依据；具体费率和规则可能随监管或公司政策更新而变化，请以平台显示为准。

Final notes and next steps

Does Cash App charge a fee for stocks? You can expect commission-free stock and ETF trades on Cash App, but be prepared for small regulatory passthrough fees on certain sell transactions, and for a fee on completed outbound ACATS transfers. Fractional-share limitations and settlement timing are practical constraints to keep in mind.

If you want broader product coverage, advanced order types, or integrated Web3 wallet solutions, explore Bitget’s services and Bitget Wallet as potential complements to Cash App Investing. Always read fee disclosures, review trade confirmations, and verify protections (like SIPC coverage) for any custodial or cash products you use.

Explore fee pages in your Cash App account now to confirm the latest details before your next trade.