Fees & Limits

Free for individuals. Low, simple pricing for business.

Personal accounts are free to open with no monthly fees. Businesses pay a one-time onboarding fee, then simple per-transaction pricing — no monthly subscription. Deposits, holding, and internal transfers are free; you only pay a small fee when you send money out, convert, or trade crypto, and the cost is always shown before you confirm.

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Representative pricing

What it costs to move money.

Indicative pricing for the most common actions. Final fees are confirmed in the app and on approval, and can vary by jurisdiction, route, provider cost, and risk profile.

Personal

Free to open

For individuals living across fiat and crypto.

Account opening & monthly feeFree

Receive fiat (SEPA · FPS · ACH)Free

Novapayx → Novapayx transferFree

Send / payout (local: SEPA · FPS · ACH)0.25%min €0.50

SWIFT / international wire0.5%min €20

Currency conversion (FX)from 0.5%mid-market rate

Convert fiat ↔ stablecoinfrom 0.5%

Buy / sell cryptofrom 1.0%

Crypto deposit / withdrawalFree / fixed per asset

Business

No monthly fee

For companies that collect, convert, and pay.

Onboarding (KYB), one-timefrom €199quoted to your business profile on approval

Monthly fee & receive (SEPA · FPS · ACH)Free

Send / pay out (local: SEPA · FPS · ACH)0.2%min €0.50

SWIFT / international wire0.5%min €20

Currency conversion (FX)from 0.4%mid-market rate

Convert fiat ↔ stablecoinfrom 0.4%

Buy / sell cryptofrom 0.8%

Crypto withdrawal · High volumefixed per asset · custom

Third-party payouts

Approved businesses can pay contractors, suppliers, and partners. Third-party payouts use the standard send fee above — no separate per-payout surcharge.

Global payouts Rolling out

Stablecoin-settled payouts into local currencies are quoted per corridor as routes go live — typically a single transparent percentage shown before you confirm.

No surprises

Where fees come from.

The account is simple; moving value has real costs. We separate account access from transaction costs, so you always know what you're paying for.

Conversion

A clear percentage on the amount, with the rate and fee shown before you confirm.

Crypto networks

Each supported asset has a fixed withdrawal fee, charged in that asset, covering blockchain network costs.

Fiat rails

Receiving is free. Send and receive on local rails — SEPA (EUR), Faster Payments (GBP), ACH (USD) — plus SWIFT for USD and cross-border. Outbound transfers carry a small percentage.

No subscriptions

No monthly fees. Personal is free to open; business pays once to onboard, then simply per transaction.

Limits

Limits grow with your verified profile.

Your limits depend on account type, verification level, jurisdiction, asset, route, and compliance review. Verifying raises your baseline; businesses can request higher limits as volume grows. Verification enables capabilities — it doesn't guarantee every feature in every market.

Personal

Free to open
KYC verification
Baseline limits by profile
Higher limits with full verification

Business

KYB onboarding
Third-party payouts (approved)
Higher limits by review
Custom terms at volume

Important: Pricing on this page is indicative and not a universal tariff. Actual fees and limits are confirmed in the app or quoted after business and compliance review, and depend on your account, jurisdiction, asset, route, provider cost, network conditions, and risk profile.

Open free, or get a quote for your business.

Personal accounts open free in minutes. For business onboarding, higher limits, and high-volume terms, talk to us and we'll quote to your profile.

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