Fundly

Fee schedule

This is the canonical fee schedule for Fundly personal accounts and cards. Every fee is shown on the platform before you confirm a transaction.

FeeFreePlusPremium
Monthly fee
0 EUR7.99 EUR19.99 EUR
Crypto deposit fee
Included in the rate shown before you confirm
1% (min 1 EUR)0.5%0%
Card spend in account currency
0%0%0%
FX on card spend
Added to the conversion rate shown before you pay
1.5%0.5%0%
ATM withdrawals
Verified tier only. ATM operators may charge their own fee
2% after 200 EUR/mo0% up to 400 EUR/mo0% up to 1,000 EUR/mo
Virtual cards
1310
Physical card
Verified tier only
9.90 EURFreeFree metal card
Card replacement
9.90 EUR9.90 EURFree
SEPA transfer out
FreeFreeFree
SEPA Instant out
0.50 EURFreeFree
Inbound SEPA
FreeFreeFree
Inactivity fee
NoneNoneNone
Cashback
Capped launch offer. Monthly cap and end date are shown on the platform
0.5% first 90 days1% in USDC1.5% in USDC

All fees shown in EUR. Limits depend on your verification tier and are set by our issuing partner. Network fees are set by the blockchain and paid by the sender.

2026-09-11

About this schedule

How fees are shown before each transaction, where our rates come from and how changes are notified.

Draft for legal review. Not yet in force.

1. How we show fees

1.1 Before every crypto deposit is credited, the platform shows the conversion rate, the deposit fee for your plan and the amount you will receive. Before every card payment in a currency other than your account currency, the platform shows the rate and the FX fee. Before every transfer, the platform shows the transfer fee. You confirm with the numbers in front of you.

1.2 Conversion rates are taken from [RATE SOURCE] at the moment of crediting. There is no hidden spread: the fee in this schedule is the whole cost of conversion.

2. This schedule is canonical

2.1 This page is the definitive version of our fees. If a fee shown elsewhere on the site or in marketing differs from this page, this page applies. The date at the top shows the version in force.

2.2 Cashback is a launch offer with a monthly cap and an end date. Both are shown on the platform. We may change or end it at any time for future spend.

3. Changes

3.1 We will tell you at least 30 days before we increase a fee or add a new one, by email and on the platform. You can close your account before a change takes effect if you do not accept it. Fee reductions may take effect immediately.

3.2 Fees may change if [ISSUER NAME] or [EMI PARTNER NAME] changes its pricing. See the Terms of Service.