We obtain new lower bounds for the minimal genus of a locally flat
surface representing a 2–dimensional homology class in a topological
4–manifold with boundary, using the von Neumann–Cheeger–Gromov
ρ–invariant. As an application our results are employed to
investigate the slice genus of knots. We illustrate examples with
arbitrary slice genus for which our lower bound is optimal but all
previously known bounds vanish.