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No, The Knot Cash Funds are completely free for couples to create and use, and we never take a percentage of your gifts. Couples always receive 100% of the funds, and guests can enjoy a zero-fee experience by contributing via Venmo using their Venmo balance, bank account, or debit card. If guests choose to pay directly with a debit or credit card, a standard 2.5% processing fee is applied at checkout—this is a mandatory fee required by credit card companies and banking entities to process online payments safely, and it is not charged or retained by The Knot.

It depends on how your guests choose to give, but The Knot cash funds will always be securely processed. Typically, direct debit or credit card contributions take one week (5 business days, excluding weekends and holidays) to safely deposit into your bank account. If your guests choose to give via Venmo, the funds go directly into your connected Venmo account—with most payments arriving in just a matter of seconds. Just keep in mind that some bank-funded Venmo transactions can take up to 5 business days to settle.

The Knot cash funds offer unmatched flexibility, allowing guests to invest directly in the immediate chapters of your future. Whether they are sponsoring a romantic dinner on your honeymoon, funding an unforgettable travel excursion, or helping you build a down payment for your first home, a cash fund turns a monetary gift into a meaningful milestone. What to Keep in Mind: Cash funds do eliminate the physical “unwrapping” element, which a few traditional guests might miss. However, you can easily bridge this gap by breaking one large goal into multiple smaller, specific funds (like “Sunset Cocktails” or “Museum Passes”). This gives guests that same personal, interactive feeling of choosing a specific gift for you.

Instead of asking for a flat sum of money, break your cash fund down into specific, tangible goals. Guests are much more excited to buy you “Dinner on the Beach” or “A Honeymoon” than they are to just contribute to a generic pool of cash. Learning how to ask for cash for a wedding successfully comes down to framing your goals as shared experiences, which is the most polite approach when trying to ask for cash from wedding guests to support your future milestones. A plug-and-play template: “We are so excited to celebrate with you! If you wish to give a gift to help us kickstart married life, we’ve put together a registry below. We’ve included a mix of physical items for our home alongside cash funds dedicated to [insert goal, e.g., our honeymoon / our first home]. Your generosity means the world to us!”

Writing thank-you notes for cash funds is exactly like writing them for physical gifts. Simply thank the guest for celebrating with you, acknowledge their generosity, and let them know what you plan to do with it—whether that’s funding a honeymoon excursion, saving for a home, or purchasing furniture. Sharing your plans connects guests to your future and makes the gift feel personal.