WorldFirst fees explained: World Account, transfers, FX and card
WorldFirst's account is free and its transfer fees are small fixed amounts. The cost that matters is the FX rate. Here is the full UK schedule with worked examples.
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WorldFirst's UK fee page fits on one screen. The account costs nothing to open or keep. Sending USD to a US account costs £0.77. A SEPA payment costs £0.27. The fee most companies actually feel is the FX margin: up to 0.50% on major currencies.
All figures are from WorldFirst's UK business pricing page, read in November 2026. WorldFirst UK is authorised by the FCA as an electronic money institution, reference 900508.
Account fees
| Fee | |
|---|---|
| Opening the World Account | Free |
| Collection accounts in 20+ currencies | Free |
| Monthly or maintenance fee | None |
| Receiving marketplace and gateway payouts | Free |
| Holding funds in 20+ currencies | Free |
Payment fees
| Fee | |
|---|---|
| USD to the United States | £0.77 |
| USD to mainland China (within 4 business hours) | £11.55 |
| USD elsewhere | £7.69 |
| EUR in Europe by SEPA | £0.27 |
| EUR elsewhere | £5.38 |
| GBP in the UK (Faster Payments or CHAPS) | £0.31 |
| GBP elsewhere | £4.62 |
| Other currencies, 210+ countries | £4.62 to £23.00 |
| To another World Account | Free |
FX and card
Conversion is up to 0.50% on major currencies, or 0.30% for six months for new customers. The World Card is free with up to 1.2% cashback, 25 virtual and 5 physical cards (£5 shipping each), no FX fee in 15 currencies and 2% on ATM withdrawals, minimum £1.
Worked example
A seller converts 50,000 USD of marketplace income to GBP and pays 10 suppliers in China. FX at 0.50% is 250 USD, and supplier payments cost £115.50. With no subscription, that is the month's total.
When the costs move elsewhere
WorldFirst is cheap for its core use. The costs appear when you need what it does not offer: a US-based company, stablecoins, or a business account for service income with approvals. Rivet's Growth plan converts from 0.50%, the same as WorldFirst's standard rate, and adds USDC and USDT, USD, EUR and GBP details in your company's name, and roles and approvals, for $200 a month. Compare with WorldFirst vs Wise or WorldFirst alternatives. Rivet is not a bank; regulated partner institutions hold client funds.
Questions people ask
Does WorldFirst charge a monthly fee?
No. The UK pricing page says WorldFirst does not charge subscriptions or account maintenance fees.
What exchange rate does WorldFirst use?
Its own rate, with a margin of up to 0.50% for major currencies on the standard rate and 0.30% for new customers in their first six months. Companies turning over £100,000 a month or more can ask for custom pricing.
Are payments between WorldFirst accounts free?
Yes. Payments to other World Accounts are free and instant.
Sources
Rashidatou writes Rivet's guides to how money moves between countries: the payment rails, what each one costs, and the account details a company needs to get paid in another currency. Every figure in Rashidatou's articles is traced to the scheme rulebook, the regulator or the provider's published price list, and those sources are listed at the end.
More from Rashidatou K. →This article is general information, not legal, tax or financial advice. Rules and fees change; check the sources above and the provider’s current terms before you act on them.
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