Limits and fees

Plans: Free, Plus, Premium

What each Fundly plan includes at launch, how FX and ATM allowances work, and how to switch plans.

Fundly has three plans: Free, Plus and Premium. A plan is a monthly subscription that lowers your fees and adds features. It is separate from verification. You can be on the Instant card with the Premium plan, or Verified on the Free plan.

Note

Plans change fees, not limits. Limits come from your verification level. Instant cards have monthly limits set by our partner and regulators, whatever plan you choose. See Instant vs Verified.

What each plan includes at launch

	Free	Plus	Premium
Monthly fee	0	7.99 EUR	19.99 EUR
Crypto deposit fee	1% (min 1 EUR)	0.5%	0%
FX fee on card spend	1.5%	0.5%	0%
Free ATM allowance per month	200 EUR	400 EUR	1,000 EUR
Physical card	9.90 EUR	Free	Free, metal
Virtual cards	1	3	10
Cashback	0.5% in USDC for the first 90 days	1% in USDC, capped at 20 EUR per month	1% in USDC, capped at 50 EUR per month
Support	In-app chat	In-app chat	Priority in-app chat

Which plan pays for itself

A quick way to decide is to look at what you deposit each month.

On Free, a 1,000 EUR monthly deposit costs 10 EUR in fees.
Plus starts to win at around 1,600 EUR of deposits per month, sooner if you spend in foreign currencies or use ATMs.
Premium pays for itself at around 2,000 EUR of monthly deposits, much sooner if you travel.

FX and conversion

Your account has one currency, EUR or USD, chosen at sign-up. Card payments in that currency have no FX fee on any plan.

Payments in any other currency are converted at the card network rate for that day, then the plan's FX fee is added: 1.5% on Free, 0.5% on Plus, 0% on Premium. Example: a 100 GBP purchase on Free with a network rate of 1.17 gives 117.00 EUR plus 1.76 EUR FX fee.

Tip

When a shop or ATM abroad offers to charge you in your home currency, say no. That option, called dynamic currency conversion, uses the merchant's rate and is almost always worse than the network rate plus your Fundly FX fee.

Crypto deposits are converted to your account currency at the published rate shown before you confirm. The rate source is named in the app. See Deposits overview.

ATM withdrawals

ATM withdrawals are available to Verified users. Each plan includes a free monthly allowance; above it, 2% applies. The allowance resets on the first day of each month. ATM operators may add their own surcharge, shown on screen before you confirm.

Changing plans

Sign in to the Fundly web app at app.fundly.xyz and go to Plan.
Choose the plan you want and confirm.
Upgrades apply immediately and the new fee is charged pro rata for the rest of the month.
Downgrades apply at the end of the current billing month. You keep the higher plan's benefits until then.

The plan fee is taken from your balance on the billing date. If the balance is too low, we retry for 7 days and then move you to Free. Extra virtual cards above the new plan's allowance are frozen, not deleted.

Fee schedule

Rewards and referrals

Fundly is a financial technology company, not a bank. Limits and fees described as “at launch” are proposals and may change.