Cash App TOS Changed

What changed

The updated terms introduce a new 'Cash App Tag' product with associated fees (up to $250 purchase fee and $15 expedited shipping), add a new Beta Program section, expand the service description to include physical payment cards and accessories, and modify identity verification and account upgrade processes to reference third-party verification services more explicitly.

Details

• •The service definition was expanded to explicitly include physical payment cards and accessories alongside existing digital products and services.
• •A new table of contents entry was added: Section XXIV 'Cash App Beta Program', and the former Section XXIV 'Contact Us' was renumbered to Section XXV.
• •Section VIII in the table of contents was renamed from 'Cash App Card' to 'Cash App Card and Cash App Tag', reflecting the introduction of a new physical product called the Cash App Tag.
• •New fees were introduced for the Cash App Tag: a purchase fee of up to $250 (which may be lower depending on factors like the specific tag chosen or account type) and an expedited shipping fee of $15. These fees appear in both the Prepaid Account and Debit Flex Account fee schedules.
• •The Paper Money Deposit fee description in the Prepaid Account section was simplified; language about fee waivers based on qualifying purchases or deposits was removed from that specific line item.
• •The qualifying fee waiver language for the Prepaid Account was updated to remove Paper Money Deposit from the list of fees waived when spending or deposit thresholds are met; previously Paper Money Deposit was included, now only ATM Withdrawals and Foreign Transaction Fees are listed as waivable.
• •The Foreign Transaction Fee listed in the 'Details About Your Cash App Balance' summary was changed from 3.25% to 3%.
• •The Debit Flex Account fee schedule removed asterisks indicating that Paper Money Deposit was a conditionally waivable fee, and updated the qualifying fee waiver list to remove Paper Money Deposit.
• •The identity verification section was updated to note that Cash App may obtain, verify, and supplement account information—including social security or taxpayer identification numbers—from third-party verification services, with reference to the Privacy Notice.
• •The Restricted Account description was updated to note an exception: if identity can be verified at the time of account opening, the account may not start as a Restricted Account.
• •The account upgrade process language was softened; the new version states users 'may need to' provide personal information (previously 'will need to'), and notes that identity may also be verified via third-party services consistent with the Privacy Notice.
• •A new clarification was added stating that identity verification does not automatically guarantee access to all services, and that additional information or steps may be required for certain account types or services offered through banking partners.
• •A new provision was added allowing Cash App to aggregate limits (balance, spending, transfer, and withdrawal) across multiple accounts associated with the same user.
• •A reference to a new 'Earn in P2P Service' was added under the Cash App Business Accounts section, allowing eligible sole proprietors to receive goods-and-services payments within a personal account instead of a business account.
• •The identity validation section was updated to replace language about 'verifying your information against third party databases or through other sources' with language about 'obtaining and verifying your information through third-party databases or verification services, consistent with our Privacy Notice'.
• •The specific banking partner name 'First Electronic Bank' was removed from the identity verification context in the eligibility section; the new version refers more generally to 'banking partners'.
• •The 'Last Updated' date changed from April 27, 2026 to September 11, 2026.