Cash App vs River: fees, withdrawals, safety and which to use

Buying $1,000 by bank transfer costs $9 through Cash App, while River charges $10.

Cash App vs River fees

For $1,000, each exchange's own pages provide the Cash App and River fees in dollars.

$1,000 and the basics	Cash App	River
Buy by bank transfer (ACH)	$9	$10
Buy by wire	–	$10
Cash out to your bank (ACH)	–	$0
Cash out by wire	–	$0
Cash out instantly to a debit card	–	$10
Send Bitcoin to a wallet	$0	–
States it does not serve	–	Nevada, New York
Serves New York	Yes	No
Bank withdrawal	–	Standard withdrawals are free and take 1 to 3 working days to arrive.
NYDFS licence	Yes	No
App Store rating (ratings)	4.8 (8,784,253)	4.9 (9,070)
Google Play rating (ratings)	4.7 (4,520,000)	–

When a row has a dash, the exchange hasn't published a figure; "Not offered" means that the exchange doesn't support that method.

There's no published list of excluded US states from Cash App. Its user terms require nothing more than that you live in the US.

Customers in Nevada or New York can't use River.

We reviewed pages that give neither a Cash App bank withdrawal fee nor its processing time.

River charges nothing for bank withdrawals. The standard wait is 1 to 3 working days, and the minimum withdrawal amount is $10.

NYDFS issued the New York licence or charter held by Cash App.

In New York, River has no licence from NYDFS.

With 8,784,253 ratings, Cash App has an App Store score of 4.8 out of 5. Across Google Play, it has a 4.7 rating from 4,520,000 ratings.

Based on 9,070 ratings, River scores 4.9 out of 5 on the App Store.

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