Cash App standard transfers to a linked bank account are usually free and take about 1 to 3 business days. If you pay the instant transfer fee (the “50 cent fee” you mentioned is likely the minimum fee), the transfer is typically completed within minutes to your linked debit card.

What that means

  • Free option: 1 to 3 business days.
  • Paid instant option: usually within minutes, with a fee of 0.5% to 1.75% and a minimum of $0.25.
  • The exact fee depends on the transfer amount, so for small transfers you may see the minimum fee.

Simple example

If you cash out money instantly, it should show up fast, often almost right away, instead of waiting days. If you use the free standard transfer, expect the normal bank processing time of a few business days.

Note

If you meant sending money to someone on Cash App, that’s different from cashing out, and sending is generally instant in the app.

TL;DR: paying the fee usually gets your Cash App cash-out within minutes ; free transfer is usually 1–3 business days.