Fees and limits
Card fees and limits as of 2026-09-25. The full schedule (PDF) is the binding document; the table below repeats its main lines.
| Basic | Plus | |
|---|---|---|
| Plan fee | $0 | $29.99 / month |
| Cards per account | 3 | 5 |
| Daily spending limit per card | $10,000 | $50,000 |
| ATM withdrawal fee | 4% | 2% |
| ATM limit | 3 per 24 hours, $250 per withdrawal | |
| Deposit by ACH | $1 | $0 |
| Deposit by FedWire | $11 | $0 |
| Virtual card: first / additional / replacement | $0 / $5 / $1 | |
| Physical card delivery | $14.53 – $82.10 | first card $0, then $14.53 – $82.10 |
| Transaction fee | $0 | |
| Foreign exchange (non-USD) | Visa exchange rate + 1.5% | |
| Dispute fee | $30 | |
| On-chain withdrawal | $0 | |
Limits depend on your verification level, risk profile and account history and can differ per cardholder. Delivery cost depends on the address and is shown in the app before you order. Bank deposits are available only in some regions; the app shows whether they are available to you.
USD account
Fees for the USD account are set out in the Virtual Account User Terms and shown in the app when you open the account.