fees & limits.
See exactly what you pay
Every fee, every rate, every delivery time — shown before you confirm. No hidden charges, no fine print.
Sending money
Per-route fees for sending money across borders.
| Route | Fee | Delivery time |
|---|---|---|
| Europe to West Africa | From 0.5% + exchange rate margin (~0.3%) | Same day (Mobile Money) |
| Europe to the UAE | From 0.4% + exchange rate margin (~0.25%) | 1-2 business days |
| UAE to West Africa | From 0.6% + exchange rate margin (~0.35%) | Same day (Mobile Money) |
| Transfer within Europe (EUR to EUR) | Free | Minutes |
Cards
Virtual and physical Visa card pricing.
| Item | Fee | Notes |
|---|---|---|
| Virtual card | Free | Issued in seconds |
| Physical card | €9.99 (or equivalent) | Delivered in 7-10 business days |
| ATM withdrawal | €1.50 per withdrawal | First 2 withdrawals a month are free once your ID is verified |
| Card exchange rate markup | 1.5% | Applied when you buy something in a currency you don't hold |
| Card replacement | €4.99 (or equivalent) | If your card is lost or stolen |
Wallets
Keeping your account open and converting between currencies.
| Item | Fee | Notes |
|---|---|---|
| Keeping your account | Free | No monthly fees, ever |
| Dormant account fee | €2 a month | Only after 12 months with no activity at all |
| Converting between your wallets | From 0.3% margin | Move money between your currency wallets |
Gold and crypto
Gold and cryptocurrency trading fees.
| Item | Fee | Notes |
|---|---|---|
| Buying gold | 0.5% margin | Real, fully-backed gold stored in vaults. Buy from €1. |
| Selling gold | 0.5% margin | Money goes back to your wallet straight away |
| Storing gold | 0.1% a year | Small yearly fee for vault storage |
| Trading crypto | 0.75% per trade | Bitcoin, Ethereum, and other supported coins |
How much you can send
Limits depend on whether you've verified your ID. Verify to send more.
| Limit | Starter | Standard | Premium |
|---|---|---|---|
| Daily transfer limit | €500 | €10,000 | €50,000 |
| Monthly transfer limit | €2,000 | €50,000 | €250,000 |
| Single transfer limit | €250 | €5,000 | €25,000 |
| Daily card spending | €500 | €5,000 | €25,000 |
| Daily ATM withdrawal | €200 | €1,000 | €5,000 |
| Daily gold and crypto | Not available | €5,000 | €50,000 |
Verify your ID to send more. Premium is available for eligible customers.
Fees can change. We'll give you 30 days' notice. Exchange rate margins are estimates — the real rate you get is shown in the app before you confirm.
Gold and crypto can go down as well as up. Past performance doesn't guarantee future results. Crypto services may not be available everywhere.
Last updated: June 2026
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