No monthly fees, no hidden fees. Here's exactly what you pay, and how fast your money moves.
USD Account
Fees
Item
Fee
Min deposit
$2.00
Account opening
Free
ACH received
Free
ACH sent
1% + $2
Wire received
Free
Wire sent
1% + $2
Min payout
$5.00
Returned payout
$6.00 (at cost)
Transfer times
Transfer
Arrives
ACH sent
Next business day
Same Day ACH sent
Same business day
Wire sent
Within 2 hours
ACH received
1–3 business days
Wire received
Same business day
Limits
Source
Limit
Own linked bank account
No limit
From individuals
$4,000/transaction
From businesses
No limit
From payroll platforms
No limit
EUR Account
Fees
Item
Fee
Min deposit
€2.00
Account opening
Free
SEPA received
Free
SEPA sent
1% + €2
Min payout
€5.00
Returned payout
€1.25 (at cost)
Transfer times
Transfer
Arrives
SEPA Instant sent
~5 minutes, 24/7
SEPA sent
1–3 business days
SEPA Instant received
Minutes, 24/7
SEPA received
1–3 business days
Limits
Source
Limit
Own linked bank account
No limit
From individuals
€4,000/transaction
From businesses
No limit
From payroll platforms
No limit
In-app transfers
Transfer
Fee
Min amount
$0.10 / €0.10
Sent
Free
Received
Free
Arrives
Seconds, 24/7
Cutoff times
Rail
Daily cutoff
Same Day ACH
9:30 AM, 1:45 PM, 2:30 PM ET
Next Day ACH
4:45 PM ET
Wire
4:45 PM ET
SEPA Instant
None, 24/7/365
Times are for business days. Transfers sent after a cutoff, on weekends or on bank holidays go out on the next business day.
Transfers over $500,000 can take up to one extra hour.
Some deposits need an extra security review, which can add up to two business hours.
Incoming transfers depend on the sending bank and are credited once the funds reach us.
Bank payout fees are added on top of the amount you send, so your recipient receives the full amount. If a bank returns a payout, our partner's return charge is passed on at cost and added to your next payout in that currency.
USD Account
EUR Account