Pricing
You see the fee
before you send.
No hidden spreads. No wire charges. No surprises on the other end. The rate you see is the rate you get.
Two Plans
Start free.
Upgrade when you're ready.
Basic
$0/month
Everything you need to hold, convert, and send money across borders.
Fees
Deposit: 0.90%
Withdrawal: 0.65%
SWIFT withdrawal: 0.75% + $9.90 (min $10)
Internal transfers: Free
Savings moves: Free
Includes
Multi-currency (USD, EUR, GBP)
Savings clubs access
Up to 3% rewards on club savings
Up to 2% rewards on goal savings
External blockchain sends
Virtual account setup: $3 one-time
Best Value
Pro
$9.99/month
Lower fees and full access for power users and businesses.
Fees
Deposit: 0.85%
Withdrawal: 0.60%
SWIFT withdrawal: 0.65% + $9.90 (min $5)
Internal transfers: Free
Savings moves: Free
Includes
Multi-currency (USD, EUR, GBP)
Savings clubs access
Up to 3% rewards on club savings
Up to 2% rewards on goal savings
External blockchain sends (0.50%)
Virtual account setup: $2 one-time
Fee Breakdown
Every fee. No fine print.
Total fees include all partner and platform costs. What you see is what you pay.
| Transfer Type | Basic | Pro |
|---|---|---|
Deposit Fund your wallet via bank transfer | 0.90% | 0.85% |
Withdrawal Withdraw to your bank | 0.65% | 0.60% |
SWIFT Withdrawal Withdraw via SWIFT wire | 0.75% + $9.90 | 0.65% + $9.90 |
African On/Off-Ramp Deposit or withdraw via mobile money or bank | Varies by country | Varies by country |
Internal Transfer Between your own wallets (incl. savings) | Free | Free |
External Blockchain Send Send to an external wallet | Not available | 0.50% |
Virtual Account Setup One-time linked bank account creation | $3.00 | $2.00 |
Identity Verification KYC identity check | Free | Free |
Monthly Wallet Fee Account maintenance | Free | Free |
All fees are deducted from the transfer amount. African corridor fees (via Yellowcard) vary by country, method, and direction — see corridor details below.
Corridor Pricing
Fees by region
Different corridors use different settlement rails. Here's what each costs.
Deposits & Withdrawals
0.60–0.90%
total fees
Deposit and withdraw via bank transfer. Settled on ACH (1–3 days), SEPA (same/next day), and Faster Payments (instant).
🇺🇸 USD — ACH / Wire
🇬🇧 GBP — Faster Payments
🇪🇺 EUR — SEPA
Deposit (Basic)0.90%
Deposit (Pro)0.85%
Withdrawal (Basic)0.65%
Withdrawal (Pro)0.60%
African Corridors
0.15–4.65%
varies by country
Deposit and withdraw across 18+ African countries via mobile money and bank transfer, powered by Yellowcard.
🇳🇬 Nigeria — Bank transfer
🇰🇪 Kenya — Bank & M-Pesa
🇿🇦 South Africa — Bank transfer
🇺🇬 Uganda — Bank & Mobile Money
🌍 14+ more countries
🇳🇬 Nigeria (buy)from 0.65%
🇰🇪 Kenya (buy)from 1.15%
🇿🇦 South Africa (buy)2.15%
🇬🇭 Ghana (buy)from 1.50%
🇺🇬 Uganda (buy)from 1.50%
🇹🇿 Tanzania (buy)from 1.50%
🇷🇼 Rwanda (buy)from 1.50%
🇸🇳 Senegal (buy)from 1.50%
🇨🇲 Cameroon (buy)from 2.00%
🇧🇷 Brazil (buy)from 1.50%
🇲🇽 Mexico (buy)from 1.50%
MethodsBank, M-Pesa, MTN, Airtel, PIX, SPEI
10+ additional countries supported including Côte d'Ivoire, Mali, Benin, Togo, Burkina Faso, Ethiopia, Botswana, Zambia, and Zimbabwe. See all corridors →
SWIFT Withdrawal
0.65–0.75%
+ $9.90 flat fee
Withdraw via international SWIFT wire transfer for larger amounts.
🏦 International bank wire
Basic0.75% + $9.90 (min $10)
Pro0.65% + $9.90 (min $5)
Settlement1–3 business days
Internal
Free
always
Moving funds between your own wallets — including savings — costs nothing.
🔄 Wallet ↔ Savings
💰 Spend → Savings
💰 Savings → Spend
Fee$0.00
SettlementInstant
LimitsNone
Savings Rewards
Your savings earn rewards while they sit.
Your savings earn rewards backed by US Treasuries. You earn automatically — no lock-up, no staking.
Goal Savings
2% rewards
Personal savings goals. Rewards accrue daily to your balance. No lock-up — withdraw anytime.
SourceUS Treasury-backed
Lock-upNone
MinimumNo minimum
AccrualDaily
Club Savings
3% rewards
Savings club pools. Rewards accrue daily. No lock-up — withdraw per club rules.
SourceUS Treasury-backed
Lock-upClub rules apply
MinimumNo minimum
AccrualDaily
How We Compare
Send $500 home. Here's what it costs.
Traditional Bank
$42+
Wire fee$25–$50
FX markup2–4%
Receiving fee$5–$20
Speed3–5 days
Money Transfer App
$8–$15
Transfer fee$3–$7
FX markup0.5–1.5%
Receiving fee$0
Speed1–2 days
CitizenWealth
~$4.25
Total fee0.60–0.90%
FX spreadNear mid-market
Receiving fee$0
SpeedInstant – 3 days*
Comparison based on a $500 deposit at Pro rates (0.85% = $4.25). African corridor fees vary by country.
*Settlement depends on payment rail: GBP Faster Payments (instant), SEPA (same/next day), ACH (1–3 business days). Internal wallet transfers are always instant.
FAQ
Common pricing questions
What are the total fees I pay?+
Deposits are 0.85–0.90% depending on plan. Withdrawals are 0.60–0.65%. SWIFT withdrawals are 0.65–0.75% plus $9.90. African corridor fees via Yellowcard vary by country, method, and direction. Internal transfers and savings moves are free.
Is there really no FX markup?+
We use near mid-market exchange rates. Cross-currency transfers include a small FX spread built into the rate — not a separate line-item charge. Our revenue comes from the transparent percentage fee you see before confirming. The rate you see at confirmation is locked while the transaction processes.
Why are African corridor fees higher?+
African corridors are settled through mobile money (M-Pesa, MTN, Airtel) and local bank integrations across 18+ countries. The infrastructure costs for these last-mile payment rails are higher than traditional banking rails like ACH or SEPA. We're working to bring these costs down as volumes grow.
What's the difference between Basic and Pro?+
Basic is free to open with no monthly fees. Pro costs $9.99/month and reduces your fees: deposits drop from 0.90% to 0.85%, withdrawals from 0.65% to 0.60%, SWIFT fees from 0.75% to 0.65%, and virtual account setup from $3 to $2. Pro also unlocks external blockchain sends at 0.50%.
Are there any transfer limits?+
There are no monthly transfer limits on either plan. Individual transactions have a maximum of $50,000. There are no balance caps — you can hold unlimited amounts in any currency. Enterprise plans are available for larger volumes.
How do savings rewards work?+
When you move funds to savings, they start earning rewards automatically, backed by US Treasuries. Rewards accrue daily to your balance — no staking, no lock-up period. Goal savings earn up to 2% in rewards; savings club pools earn up to 3% in rewards.
How are savings rewards calculated?+
When you move funds to savings, they start earning rewards backed by US Treasuries. Goal savings earn up to 2% in rewards and club savings earn up to 3% in rewards. Rewards accrue daily with no lock-up.
Get Started
Transparent pricing.
No fine print.
Your money, your terms.
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