Fee schedule
Every Fundly fee at launch in one table: deposits, card spending, FX, ATM withdrawals, physical cards, transfers and recovery.
This is the full list of what Fundly charges at launch. There is no hidden spread. The rate source and the exact fee are shown before you confirm every deposit, and every card payment shows its fee in the transaction detail.
Fees by plan
| Fee | Free | Plus | Premium |
|---|---|---|---|
| Monthly plan fee | 0 | 7.99 EUR | 19.99 EUR |
| Crypto deposit | 1% (min 1 EUR) | 0.5% | 0% |
| Card spend in account currency | 0% | 0% | 0% |
| Card spend in another currency (FX) | 1.5% | 0.5% | 0% |
| ATM withdrawal | 2% after 200 EUR free per month | 2% after 400 EUR free per month | 2% after 1,000 EUR free per month |
| Physical card | 9.90 EUR | Free | Free, metal |
| Virtual cards included | 1 | 3 | 10 |
| Incoming SEPA transfer | Free | Free | Free |
| Outgoing SEPA transfer | Free | Free | Free |
See Plans: Free, Plus, Premium for what else each plan includes.
How each fee works
Crypto deposit fee
The deposit fee is taken from the converted amount. Example on the Free plan: you send 100 USDC, the published rate gives 92.00 EUR, and the 1% fee is 0.92 EUR, so 91.08 EUR is credited. The minimum fee of 1 EUR applies to small deposits, so a 10 EUR deposit on Free pays 1 EUR, not 0.10 EUR.
Network fees (gas) are paid by you on the sending side and are not a Fundly fee.
FX fee
If you pay in a currency other than your account currency, the amount is converted at the card network rate for that day and the FX fee is added. The rate and the fee are shown in the transaction detail. See FX and conversion for examples.
ATM fee
Each plan has a free monthly ATM allowance. Above the allowance, 2% of the withdrawn amount is charged. ATM operators may add their own fee, which is shown on the machine before you accept. ATM withdrawals are available to Verified users; Instant cards have monthly limits set by our partner and regulators and ATM access is not available or very low.
Physical card
The Free plan pays 9.90 EUR per card, including standard shipping. Plus and Premium get the first card free. Replacements cost 9.90 EUR on every plan.
Other charges
| Charge | Amount at launch |
|---|---|
| Deposit below the minimum, recovered by support | 25 EUR or 5%, whichever is higher |
| Unsupported asset sent to a Fundly address, recovered by support | 25 EUR or 5%, whichever is higher |
Recovery is only possible when the asset is on a chain Fundly supports. See Deposit troubleshooting.
What is never charged
- Opening an account, on any tier
- Verifying your identity
- Freezing, unfreezing or cancelling a card
- Receiving a SEPA or SEPA Instant transfer
- Statements and CSV or PDF exports
- Closing your account
Fundly is a financial technology company, not a bank. Limits and fees described as “at launch” are proposals and may change.