> For the complete documentation index, see [llms.txt](https://docs.anodos.finance/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.anodos.finance/legal/customer-fees-schedule.md). # Customer Fees Schedule Updated: September 18th 2026 This fee schedule applies to the **Free plan**. ### 1) Cards #### 1.1 Virtual cards (availability varies by country) * 1 virtual card: Included for free * Extra virtual card: $20 per card #### 1.2 Card FX fee (international spend for non-USD transactions) * 1.50% of the transaction amount #### 1.3 ATM withdrawals * Withdrawal fee: $1 + 1.75% per withdrawal * Monthly ATM limit: $5,000 per month ### 2) Exchange / swaps (currency conversion, crypto, precious metals) * Exchange fee: 1.00% of the amount exchanged ### 3) Bank transfers — pay-ins and payouts #### 3.1 Virtual bank accounts (availability varies by country) * 1 bank account: Included for free * Additional bank accounts: $20 per account (one-time activation fee) #### 3.1.1 Pricing rules (how we calculate your total) For supported bank-transfer corridors, your total transfer fee is composed of: 1. **FX spread** (a percentage), plus 2. **Payment fee** (a fixed fee and/or a percentage fee depending on rail), plus 3. Any **fixed fee override** (if specified for that corridor). #### 3.2 Europe | **Currency** | **Direction** | **Rail** | **FX fee** | **Fixed payment fee** | | ------------ | ------------- | --------------- | ---------- | ---------------------- | | EUR | Pay-in | SEPA Instant | 1.00% | €1 (≤€100), €2 (≥€101) | | EUR | Pay-in | SEPA Credit | 1.00% | €1 (≤€100), €2 (≥€101) | | EUR | Payout | SEPA Instant | 1.00% | €1 (≤€100), €2 (≥€101) | | EUR | Payout | SEPA Credit | 1.00% | €1 (≤€100), €2 (≥€101) | | GBP | Pay-in | Faster Payments | 1.00% | £1 (≤£100), £2 (≥£101) | | GBP | Pay-in | BACS | 1.00% | £1 (≤£100), £2 (≥£101) | | GBP | Payout | Faster Payments | 1.00% | £1 (≤£100), £2 (≥£101) | | GBP | Payout | BACS | 1.00% | £1 (≤£100), £2 (≥£101) | | DKK | Payout | Local wire | 1.00% | kr. 10.5 | | NOK | Payout | Local wire | 1.00% | kr 23 | | PLN | Payout | ELIXIR | 1.00% | zł 7.5 | #### 3.3 Americas | **Currency** | **Direction** | **Rail** | **FX fee** | **Fixed payment fee** | | ------------ | ------------- | ---------- | ---------- | ---------------------------------- | | BRL | Pay-in | PIX | 1.00% | R$ 1.00 | | BRL | Payout | PIX | 1.00% | R$ 1.00 | | BOB | Payout | Local wire | 1.00% | BOB15 | | CAD | Payout | EFT | 1.00% | CA$2 (≤CA$1,000), CA$5 (>CA$1,000) | | CLP | Payout | Local wire | 1.00% | CLP1,650 | | COP | Pay-in | BRE-B | 1.00% | COP $1,000 | | COP | Payout | Local wire | 1.00% | COP $4,500 | | COP | Payout | BRE-B | 1.00% | COP $1,000 | | CRC | Payout | Local wire | 1.00% | ₡1,400 | | DOP | Payout | Local wire | 1.00% | RD$169 | | DOP | Payout | Billet | 1.00% | RD$82 | | GTQ | Payout | Local wire | 1.00% | Q28 | | GTQ | Payout | Tigo Money | 1.00% | Q30 | | HNL | Payout | Local wire | 1.00% | L92 | | JMD | Payout | Local wire | 1.00% | J$560 | | MXN | Pay-in | SPEI | 1.00% | Free | | MXN | Payout | SPEI | 1.00% | MX$4.10 | | USD (US) | Pay-in | FedWire | 1.00% | $20 | | USD (US) | Pay-in | ACH | 1.00% | $1.00 | | USD (US) | Payout | FedWire | 1.00% | $20 | | USD (US) | Payout | ACH | 1.00% | $1.00 | #### 3.4 APAC & Middle East | **Currency** | **Direction** | **Rail** | **FX fee** | **Fixed payment fee** | | ------------ | ------------- | ------------- | ---------- | --------------------- | | AED | Pay-in | IPP | 1.00% | Free | | AED | Pay-in | FTS | 1.00% | Free | | AED | Payout | IPP | 1.00% | Free | | AED | Payout | FTS | 1.00% | Free | | AUD | Payout | Local wire | 1.00% | AU$2.10 | | BDT | Payout | Local wire | 1.00% | ৳160 | | BDT | Payout | BKash wallet | 1.00% | ৳160 | | BDT | Payout | Nagad wallet | 1.00% | ৳160 | | CNY | Payout | WeChatPay | 1.00% | ¥31 + 0.36% | | CNY | Payout | AliPay | 1.00% | ¥45 + 0.44% | | HKD | Payout | Local wire | 1.00% | HK$25 | | INR | Payout | UPI / IMPS | 1.00% | ₹100 | | IDR | Payout | BI-FAST | 1.00% | Rp20,800 | | ILS | Payout | Local wire | 1.00% | ₪9 | | JPY | Payout | Local wire | 1.00% | JP¥850 | | KRW | Payout | Local wire | 1.00% | ₩2,180 | | MYR | Payout | RPP / DuitNow | 1.00% | $1.30 | | PHP | Pay-in | QR PH | 1.00% | ₱10 | | PHP | Payout | Instapay | 1.00% | ₱10 | | PHP | Payout | Pesonet | 1.00% | ₱5 | | PKR | Payout | Raast | 1.00% | ₨368 | | SAR | Payout | SARIE | 1.00% | 16﷼ | | THB | Payout | PromptPay | 1.00% | ฿53 | | TRY | Payout | Local wire | 1.00% | ₺65 | | TRY | Payout | Papara wallet | 1.00% | ₺65 | #### 3.5 Africa (RFQ corridors) | **Currency** | **Direction** | **Rail** | **FX fee** | **Fixed payment fee** | | ------------ | ------------- | ------------- | ------------------------- | --------------------- | | EGP | Payout | Local wire | 1.25% (RFQ / leave as-is) | E£ 200 | | KES | Pay-in | M-Pesa | RFQ + 0.20% | KES70 + 0.86% | | KES | Payout | M-Pesa | RFQ + 0.20% | 1.00% | | NGN | Pay-in | Bank Transfer | RFQ + 0.20% | Free | | NGN | Payout | Bank Transfer | RFQ + 0.20% | Free | | RWF | Pay-in | Mobile Money | RFQ + 0.30% | 2.96% | | RWF | Payout | Mobile Money | RFQ + 0.30% | 60 RWF + 1.00% | | SLE | Pay-in | Mobile Money | RFQ + 0.30% | 3.16% | | SLE | Payout | Mobile Money | RFQ + 0.30% | 2.15% | | TZS | Payout | Mobile Money | RFQ + 0.30% | 1.86% | | UGX | Pay-in | Mobile Money | RFQ + 0.30% | 2.86% | | UGX | Payout | Mobile Money | RFQ + 0.30% | 1.00% | | XAF | Pay-in | Mobile Money | RFQ + 0.50% | 1.61% | | XAF | Payout | Mobile Money | RFQ + 0.50% | 1.16% | | XOF | Pay-in | Mobile Money | RFQ + 0.30% | 1.86% | | XOF | Payout | Mobile Money | RFQ + 0.30% | 2.00% | | ZMW | Pay-in | Mobile Money | RFQ + 0.30% | 1.86% | | ZMW | Payout | Mobile Money | RFQ + 0.30% | 1.86% | #### 3.6 Global SWIFT + crypto rails | **Asset / Currency** | **Direction** | **Rail** | **FX fee** | **Fixed payment fee** | | -------------------- | ------------- | -------------- | ---------- | --------------------- | | USD | Pay-in | SWIFT (Global) | 1.00% | $25 | | USD | Payout | SWIFT (Global) | 1.00% | $25 | | EUR | Payout | SWIFT (Global) | 1.00% | €20 + 0.10% | | GBP | Payout | SWIFT (Global) | 1.00% | £20 + 0.10% | For any corridor not listed above, or where fees depend on RFQ or destination bank, the exact total fee will be shown in-app before you confirm.