Hi @Simsedlover - Welcome to The Seller Community, it's always nice to see a new face 😊
Great question! With Square, you can choose when to receive your funds. We offer a couple of options – our standard transfer schedule (free, next business day), a custom transfer schedule (which you can controlled and tailored to your business hours), faster options like instant and same-day transfers. Something to note: Square doesn't have transfer limits with our standard or custom schedules.
Instant transfers
The quickest way to get your money. If available on your account, you can instantly send funds to your linked bank account or debit card, 24/7, for a 1.95% fee per transfer. You'll need:
• A linked bank account and a supported U.S.-issued Visa or Mastercard debit card
• At least $25 in your Square Balance after processing fees
Read more about instant transfers.
Note: Some new sellers start with a limit of one instant transfer per day of up to $2,000. As you run and grow your business with Square, a higher daily transfer amount may become available.
Same-Day Transfers
If you routinely need your funds faster than one to two business days, same-day transfers may be available to automatically send your funds about 15 minutes after your close of day, every day, for a 1.95% fee per transfer. Funds are sent to your linked bank account or debit card. You must have a minimum balance of $1 after fees. Individual payments greater than $10,000 won't be sent via same-day transfer — those will be sent via next-business-day transfer instead.
Learn more about same-day transfers.
Note: Some new sellers start with a limit of one same-day transfer of up to $10,000. As you run and grow your business with Square, a higher daily transfer amount may become available.
As always, feel free to stop by the Square Community with questions, concerns, and even feature requests!
[updated Sept 2026]
Ria
Community Moderator, Square
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