Simple pricing, shown before every action.
You see the fee for each conversion, withdrawal and payment before you confirm. Business pricing can also be quoted to your company's profile.
| What you pay for | Personal | Business |
|---|---|---|
| Account | ||
| Opening the account | No fee at present | US$199.00 (one-off)charged once your account is opened |
| Monthly fee | No fee at present | Free |
| Customer collections and supplier payments: opening | Not available | US$349.00 (one-off)charged once the service is activated · US$150.00 if you add it after paying the standard opening fee |
| Customer collections and supplier payments: monthly | Not available | US$29.00 per monthper legal entity, not per currency · from when the service is usable; invoiced monthly for the previous month, first and last months by the day |
| Complex ownership, higher-risk profiles and non-standard scope | Not available | By quoteopening and monthly fees quoted in writing before you accept |
| Money in | ||
| Add money from your own bank account | Freeyour bank or the network may charge its own fees | Freeyour bank or the network may charge its own fees |
| Receive stablecoins from your own wallet | Freeyour bank or the network may charge its own fees | Freeyour bank or the network may charge its own fees |
| Customer collections (approved businesses) | Not available | 0.25%minimum 1.50 in the currency received · standard local transfers only |
| Convert | ||
| Currency to currency | 1.6%minimum US$1.00 or the equivalent in the transaction currency | 1.6%minimum US$1.00 or the equivalent in the transaction currency |
| Currency to and from stablecoins | 1%minimum US$1.00 or the equivalent in the transaction currency | 1%minimum US$1.00 or the equivalent in the transaction currency |
| Currency to and from other supported digital assets | 1%minimum US$1.00 or the equivalent in the transaction currency | 1%minimum US$1.00 or the equivalent in the transaction currency |
| Money out | ||
| Withdraw to your own bank account (standard local transfer) | €3.00 · £3.00 · US$3.00per transaction, in the currency withdrawn · standard local transfers only | €3.00 · £3.00 · US$3.00per transaction, in the currency withdrawn · standard local transfers only |
| USD same-day ACH to your own account | US$5.00 | US$5.00 |
| USD domestic wire to your own account | US$30.00 | US$30.00 |
| USD SWIFT transfer to your own account | US$30.00base fee; any other known applicable fees are shown before you confirm | US$30.00base fee; any other known applicable fees are shown before you confirm |
| Send stablecoins to your own wallet | Fixed fee shown in your quote before you confirmnetwork fee included; no percentage | Fixed fee shown in your quote before you confirmnetwork fee included; no percentage |
| Supplier payments (approved businesses) | Not available | 0.15% + 3.00 in the payment currencystandard local transfers only |
Worked examples
- Converting US$50.00 to USDC (Personal · minimum applies)US$1.00
- Converting US$1,000.00 to USDC (Personal)US$10.00
- Converting US$80.00 to another supported digital asset (Personal · minimum applies)US$1.00
- Converting US$500.00 to another supported digital asset (Personal)US$5.00
- Converting US$40.00 to euros (Personal · minimum applies)US$1.00
- Converting US$1,000.00 to euros (Personal)US$16.00
- Withdrawing £500.00 to your own UK bank account (Personal)£3.00
- Collecting €400.00 from a customer (Business · minimum applies)€1.50
- Collecting €10,000.00 from a customer (Business)€25.00
- Paying a supplier €2,000.00 (Business)€6.00
- Paying a supplier £500.00 (Business)£3.75
Business account fees. A standard business account, for moving money in and out in your own name, costs US$199 once when it is opened and has no monthly fee. The fee is not charged again for each currency.
Receiving payments from customers and paying suppliers is a separate service for approved businesses. It costs US$349 once when the service is activated, or US$150 if you add it after paying the standard opening fee, plus US$29 a month per legal entity, whichever currencies you use. Complex ownership, higher-risk profiles and non-standard scope are quoted in writing before you accept.
Business account fees are invoiced and paid by bank transfer; they are never taken from your balance. Paying a fee does not guarantee that your application is approved. If you already have an account, your agreed fees and plan benefits stay as they are.
Fees are charged in the currency of the transaction unless your terms say otherwise. Your bank, the recipient's bank or a blockchain network may charge their own fees. Card fees, when cards are available, are set out in the card terms.
Pricing, answered.
When do I see the fee?
Before you confirm every conversion, withdrawal or payment.
What does a business account cost?
A standard business account costs US$199 once, when it is opened, and has no monthly fee. It is for moving money in and out in your own name, in whichever supported currencies you use. Transaction fees in the pricing table apply as usual.
What about receiving payments from customers or paying suppliers?
This is a separate service for approved businesses. It costs US$349 once, when the service is activated, and US$29 a month per legal entity, not per currency. If you already paid the standard US$199 opening fee, adding it costs US$150, so your opening fees never exceed US$349 in total. Checks that you have already passed and that are still valid are not charged again; if the service needs additional checks, we tell you and quote them before you accept. If you opened your account under earlier terms, we agree the price for adding the service with you in writing. The collection and payment fees in the pricing table apply as usual.
When are opening fees charged?
Only after you have chosen the account or service, accepted our quote and it has actually been opened or activated. Passing verification checks alone does not trigger a fee. If your application is declined, or you withdraw it before then, there is no opening fee, and you are never charged for a standard account you did not choose.
When does the monthly fee start?
From the day the service is usable. We invoice at the start of each month for the previous month, payable within 15 days. The first and last months are charged by the day: for example, if the service becomes usable on 11 March, March is charged for 21 of 31 days, US$29 × 21 ÷ 31 = US$19.65.
Does paying guarantee my account will be approved?
No. We decide on every application under our verification and compliance checks, and paying an invoice does not change that decision.
How do I pay?
We send you an invoice once your account or service has been opened, and monthly invoices for the service after each month. You pay by bank transfer to the account shown on the invoice, quoting the invoice number. We never take account fees from your NovaPayx balance or collect them automatically. Only pay to the bank details on an invoice we have sent you; if you are unsure, check with support@novapayx.com first.
Can my business get a quote?
Yes. Business pricing can be quoted to your company's profile and expected activity.
Are there limits?
Limits depend on your verification, account type, residence and the service, and are shown in your account.
Get a business quote.
Tell us about your company, currencies and expected volumes.