Simple, Transparent Fees

No hidden charges. No subscription. Just one flat fee when you spend.

Flat fee on all card transactions

No monthly fees • No setup fees • No inactivity fees

Full Fee Breakdown

Service	Fee	Notes
Account creation	FREE	No setup or registration fee
Virtual card issuance	FREE	First card included with account
USDT deposit (TRC-20)	FREE	Blockchain network fees apply (not charged by CardFi)
Card purchase (online / in-store)	1%	Applied on each transaction amount
ATM cash withdrawal	COMING SOON	ATM withdrawals not yet available
Currency conversion	1.5%	Applied when spending in non-USD currencies
Card replacement	$2.00	If card is frozen/cancelled and new one issued
USDT withdrawal	$1.00 flat	Plus TRC-20 blockchain network fee (~$1)
Account inactivity	FREE	No charges for dormant accounts
KYC verification	FREE	No charge for identity verification

Transaction Limits

Limit Type	Unverified	KYC
Daily card spending	$300	$1,000
Monthly deposit	$10,000	$25,000
Single transaction	$300	$1,000
Monthly withdrawal	—	$20,000
ATM daily limit	—	Coming Soon

All limits and fees are subject to change. We will notify users with 14 days notice before any fee changes take effect. Current fee schedule effective from March 2025.

How We Compare

Traditional Banks

3–5%

Foreign exchange fee + conversion charges + monthly fees

CardFi

Flat fee on card transactions. No monthly fees.

Crypto Exchanges

1.5–3%

Trading fees + withdrawal fees + card programme fees

Have questions about fees? Visit our FAQ or contact support.