TL;DR: Cash App stock trading fees are FREE for most basic trades in 2025! But there’s still some fees you should know about…
Hey there, savvy investors! I’ve been using Cash App for my stock trading journey for a while now, and I’ve noticed that one of the most confusing things for newcomers is understanding exactly what fees you’ll encounter So today, I’m breaking down everything you need to know about Cash App’s stock trading fees in 2025
If your like me, you prolly want the quick answer Cash App charges $0 commission for most basic stock trades. Yep, that’s right – zero dollars! But (there’s always a but), there are still some situations where fees might pop up
Let’s dive deeper so you don’t get any surprise charges when your trying to build your investment portfolio!
Cash App Stock Trading: The Basic Fee Structure
Cash App has maintained its competitive edge by offering commission-free trading for stocks. This means when you buy or sell most stocks, you won’t pay any trading fee to Cash App. This is pretty standard in the industry now, but still worth celebrating!
Here’s what you need to know about the basic fee structure
- Standard stock trades: $0 commission
- Fractional share trades: $0 commission
- ETF trades: $0 commission
- Account maintenance fee: $0 (no monthly or annual account fees)
I remember when I first started investing, platforms were charging $7-10 per trade! Times have changed for the better, and Cash App is part of that revolution making investing more accessible to everyday people like us.
Hidden Fees You Should Know About
While Cash App doesn’t charge commissions on trades, there are some other fees you might encounter. These aren’t necessarily “hidden” but they’re easy to miss if your not paying attention:
Regulatory Fees
These are fees that Cash App must collect and pass on to regulatory agencies:
- SEC fee: $0.0000885 per $1 of principal (sells only)
- TAF fee: $0.000119 per share (maximum $7.27) (sells only)
These fees are super tiny for most retail investors. For example, if you sell $1,000 worth of stock, the SEC fee would be about 9 cents. These fees are standard across all brokerages, not just Cash App.
Non-USD Cryptocurrency Conversions
If you’re trading stocks that require currency conversion:
- Foreign transaction fee: 3% of the transaction amount
This isn’t common for most US stocks but good to be aware of if you’re looking at international investments.
Premium Features and Their Costs
Cash App doesn’t currently offer premium subscription tiers specifically for investing like some other platforms do. Everything is included in the basic service.
However, there are some special circumstances where fees might apply:
Whole Share Investing vs. Fractional Shares
Both whole and fractional share investing come with:
- Commission fee: $0
- Minimum investment: $1
This is one of my favorite features because it lets me invest in companies like Amazon or Google without needing thousands of dollars!
Paper Statements and Special Requests
If you prefer paper over digital:
- Paper statements: $5 per statement
- Paper tax documents: $5 per document
- Account transfers: $75 per transfer
My advice? Stick with digital documents – they’re free and better for the environment anyway!
Comparing Cash App Stock Fees to Competitors
Let’s see how Cash App stacks up against other popular trading platforms in 2025:
| Platform | Basic Stock Trade | Minimum Investment | Account Fee | Transfer Out Fee |
|---|---|---|---|---|
| Cash App | $0 | $1 | $0 | $75 |
| Robinhood | $0 | $1 | $0 | $75 |
| Webull | $0 | $5 | $0 | $75 |
| TD Ameritrade | $0 | $0 | $0 | $75 |
| E*TRADE | $0 | $0 | $0 | $75 |
As you can see, Cash App is pretty competitive with the major players. The $0 commission structure is now industry standard, and Cash App matches this while keeping the minimum investment super accessible at just $1.
Tips to Minimize Fees When Trading on Cash App
Even though Cash App keeps fees minimal, here are some tips to make sure your not losing money unnecessarily:
-
Avoid frequent selling – Since regulatory fees apply to sells but not buys, frequent selling can add up (though still very minimal).
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Hold investments longer – Not only does this reduce the impact of those tiny regulatory fees, but it’s generally a better investment strategy anyway!
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Use limit orders for volatile stocks – While not directly fee-related, limit orders help ensure you get the price you want rather than getting surprised by market fluctuations.
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Keep your documents digital – Avoid those $5 paper statement fees by sticking with digital documents.
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Plan your account transfers carefully – The $75 transfer fee can be avoided by planning your investment strategy thoughtfully.
Common Questions About Cash App Stock Fees
Does Cash App charge monthly fees for investing?
Nope! There are no monthly maintenance fees for using Cash App’s investing features.
Is there a fee to withdraw my money from Cash App investments?
No, you can withdraw your money from selling stocks to your Cash App balance without fees. From there, you can transfer to your bank account using standard or instant transfer options.
Are there any hidden fees I should worry about?
Not really “hidden,” but be aware of regulatory fees on sells (very small amounts), paper statement fees ($5 each), and account transfer fees ($75).
Does Cash App offer free stock like some other platforms?
Cash App occasionally runs promotions where you can get free stock, but they don’t have a permanent “free stock for signing up” program like some competitors.
How do Cash App’s fees compare to traditional brokers?
Cash App’s fee structure is significantly less expensive than traditional brokers of the past, which used to charge $7-20 per trade. However, most modern brokers have also moved to commission-free trading models.
My Personal Experience with Cash App Stock Fees
I’ve been using Cash App for investing since 2023, and I have to say, the fee structure is one of the things I appreciate most. When I first started investing, I was working with a pretty small budget, so every dollar counted.
The ability to buy fractional shares with no commission has been a game-changer for me. I remember buying my first $5 worth of Apple stock and feeling like I was finally participating in the market without having to save up hundreds of dollars first.
One thing I did learn the hard way was about the account transfer fee. I decided to move some of my holdings to another platform without realizing there was a $75 fee. That was definitely an expensive lesson! If your considering changing platforms, make sure you factor this cost into your decision.
The Future of Cash App Stock Fees
As competition in the commission-free trading space continues to heat up, we might see Cash App introduce new premium features or services to differentiate themselves. However, I expect the basic commission-free structure to remain intact.
The trend in the industry is moving toward monetizing through other means, such as:
- Premium data and research tools
- Advanced trading features
- Interest on cash balances
- Payment for order flow
So far, Cash App has kept things simple, which I personally appreciate. But don’t be surprised if they introduce premium tiers in the future.
Final Thoughts: Is Cash App Worth It for Stock Trading?
Based on the fee structure alone, Cash App is definitely a contender for your stock trading business, especially if your a beginner or casual investor. The $0 commission trades and $1 minimum make it accessible to almost anyone.
Where Cash App really shines is in its simplicity and integration with the rest of the Cash App ecosystem. If you already use Cash App for payments, the seamless connection to investing features is convenient.
However, if your a more advanced trader looking for sophisticated research tools, complex order types, or extensive investment options, you might find Cash App’s offerings a bit basic.
For most people though, especially those just starting their investment journey or looking to invest small amounts regularly, Cash App’s fee structure makes it an excellent choice in 2025.
Remember, the best investment platform isn’t necessarily the one with the absolute lowest fees (though that’s important), but the one that you’ll actually use consistently to build your wealth over time.
Happy investing, and may your trades be ever profitable!
