Pricing — Fig. 01
Costs shown
before you confirm.
Pricing depends on your product, market and programme partner. The ledger below is indicative — final costs are always shown before you confirm a payment or conversion.
- Included
- Local transfers
- €0.35
- International from
- 0.25%
- FX margin from
- None
- Hidden markups
Specimen sheets
Two ways to bank, laid out as a spec sheet
Specimen 01 — Personal
Current view
8priced lines
- Account fee
- Subject to programme
- Card issuance
- from €0
- Card delivery
- from €4.90
- Local transfers
- Included
- International transfers
- from €0.35
Specimen 02 — Business
8priced lines
- Platform fee
- Custom pricing
- Account fee
- Subject to programme
- Team cards
- from €3 / card
- Local payments
- Included
- International payments
- from €0.50
Fee anatomy
What a single fee is made of
A single line in the ledger can bundle several underlying costs. Here's a dissected view of a typical cross-border payment fee.
- 01
Interchange
A small share paid to the card network on qualifying transactions.
- 02
FX spread
A margin applied when converting between currencies.
- 03
Network fee
A fixed cost charged by the payment rail used to move funds.
- 04
Partner margin
The licensed partner's own cost of running the regulated service.
Feature matrix
Personal vs. business, at a glance
Some cost lines are shared across both products, others are specific to how a business team pays and gets paid.
| Item | Personal | Business |
|---|---|---|
| Account fee | Subject to programme | Subject to programme |
| Card issuance | from €0 | — |
| Card delivery | from €4.90 | — |
| Local transfers | Included | — |
| International transfers | from €0.35 | — |
| Currency exchange | from 0.25% | from 0.19% |
| Cash withdrawal | Subject to programme | — |
| Replacement card | from €9 | — |
| Platform fee | — | Custom pricing |
| Team cards | — | from €3 / card |
| Local payments | — | Included |
| International payments | — | from €0.50 |
| API access | — | Custom pricing |
| Additional users | — | Included |
Personal costs
The ledger, line by line
Values reflect typical ranges and structures, not guaranteed prices for any individual account.
| No. | Item | Indicative | Note |
|---|---|---|---|
| 01 | Account fee | Subject to programme | Depends on the plan and market. |
| 02 | Card issuance | from €0 | Virtual cards free, physical cards from €9. |
| 03 | Card delivery | from €4.90 | Delivery cost varies by destination. |
| 04 | Local transfers | Included | Where local rails are supported. |
| 05 | International transfers | from €0.35 | Shown before you confirm. |
| 06 | Currency exchange | from 0.25% | Rate and fee shown per conversion. |
| 07 | Cash withdrawal | Subject to programme | Limits may apply per period. |
| 08 | Replacement card | from €9 | Depends on the issuing partner. |
In practice
What you actually pay
0
Items included at no extra cost, right now
0%
Of costs shown before you confirm
0
Hidden markups added after a transaction
Principles
Principle 01
Costs are shown before you confirm a payment or conversion.
Principle 02
No hidden markup added after a transaction is completed.
Principle 03
Programme partners may apply their own fees, disclosed in advance.
FAQ
Fees, answered
Pricing depends on the product, market and programme. The pricing page lists the categories; final fees are shown before you confirm.
Yes. Fees and, where relevant, partner charges are displayed before a payment or conversion is confirmed.
Pricing is indicative and not final. Fees depend on the product, currency, destination, programme partner and your verified profile.
Ready?
See what applies to you
Pricing becomes specific once your country, products and verification are in place.