FX that falls
as the plan rises.[pricing]Nothing charged
before verification
Start free. Upgrade when you need EUR and GBP details, physical cards, more of the team, and lower FX.
Plans
Starter
$0/mo.Receive in USD, spend on digital cards, keep the lights on.
- USD virtual account in your company name
- Unlimited digital cards
- Hold and convert USD
- Stablecoin deposits and withdrawals (USDC, USDT)
- Up to 2 team members
- FX from 0.80% · $2.00 per payout
Growth
$200/mo.USD, EUR and GBP accounts. Physical cards. Lower fees.
- Virtual accounts in USD, EUR and GBP
- Physical cards, shipped to your team
- Hold and convert USD, EUR and GBP
- Local payouts and collections across African corridors
- Up to 10 team members with roles and approvals
- FX from 0.50% · $1.00 per payout
Scale
$500/mo.CAD, HKD and 25 more currencies. Lowest published fees.
- Everything in Growth, plus CAD and HKD virtual accounts
- Hold and convert CAD, HKD and 25 more currencies
- Visa Direct push-to-card payouts
- Agent cards with per-card programmatic limits
- Unlimited team members and custom roles
- FX from 0.30% · $0.50 per payout
Enterprise
CustomYour corridors, your limits, your pricing.
- Everything in Scale, on negotiated pricing
- Virtual accounts in any currency we can open
- Custom payout and card limits
- Dedicated compliance and treasury review
- FX from 0.15% · custom per-payout
You pick a plan after the business is verified. Nothing is charged before that.
Swift, US wires, SEPA and Faster Payments have a published fee that falls on Scale. ACH, local payouts, Visa Direct and on-chain are quoted when you onboard.
SWIFTInternational USD wire over SWIFT. Correspondent banks may take fees in transit, so what arrives can be less than what you sent.Starter$25.00Growth$25.00Scale$20.00EnterpriseNegotiated- US domesticUS wireDomestic USD wire to a US bank account. Same-day on business days. Not the same product as a SWIFT international wire.Starter$25.00Growth$25.00Scale$20.00EnterpriseNegotiated
- US domesticACHUS bank transfers over ACH. Quoted at onboarding, not the wire fee.StarterQuoted at onboardingGrowthQuoted at onboardingScaleQuoted at onboardingEnterpriseNegotiated
Faster PaymentsUK sterling to any sort code and account number. Near-instant, including weekends. Needs a GBP account (Growth and above).Starter—Growth£3.00Scale£2.00EnterpriseNegotiated
SEPA & SEPA InstantEuro to any IBAN in the SEPA zone. Instant or standard settlement. Needs a EUR account (Growth and above).Starter—Growth€5.00Scale€3.00EnterpriseNegotiated- Local railLocal payoutsPayouts on local rails in the recipient currency. Quoted at onboarding.Starter—GrowthQuoted at onboardingScaleQuoted at onboardingEnterpriseNegotiated
Visa DirectPush to an eligible Visa debit card. For recipients who have a card but no bank details on file.Starter—Growth—ScaleQuoted at onboardingEnterpriseNegotiated
On-chainUSDC and USDT on Ethereum, Base, Solana, Polygon, Optimism and Avalanche. Settles in seconds, including weekends.plus network feeStarterQuoted at onboardingGrowthQuoted at onboardingScaleQuoted at onboardingEnterpriseNegotiated- FXConversionOnly when a payment changes currency. Margin over mid-market, confirmed at onboarding; the rate and fee are shown before you confirm. A bank typically takes around 2.6%.Starterfrom 0.80%Growthfrom 0.50%Scalefrom 0.30%Enterprisefrom 0.15%
Scale also holds and converts these, besides USD, EUR and GBP
- CAD
- HKD
- AUD
- NZD
- JPY
- CNY
- SGD
- CHF
- SEK
- NOK
- DKK
- PLN
- CZK
- HUF
- MXN
- BRL
- ZAR
- INR
- KRW
- AED
- SAR
- NGN
- KES
- GHS
- XAF
- XOF
- TRY
Set monthly volume and how much of it converts. The cheapest plan is marked. Transfer fees sit in the table above, not in this estimate.
Across every currency
FX is charged only when a payment changes currency
Starter
$0/mo · FX 0.80%$560
Estimated per month
- Plan
- $0
- FX margin
- $560
0.56% of volume
Growth
Cheapest at this volume$550
Estimated per month
- Plan
- $200
- FX margin
- $350
0.55% of volume
Scale
$500/mo · FX 0.30%$710
Estimated per month
- Plan
- $500
- FX margin
- $210
0.71% of volume
An estimate, not a quote. It covers the monthly plan fee and the FX margin on the share you convert. A Swift wire, SEPA or Faster Payments transfer has its own published fee, shown per leg before you confirm. Your actual margin is agreed during onboarding, before you move anything.
A monthly plan fee: Starter is free, Growth is $200, Scale is $500, billed in USD. Enterprise is quoted on your flows. FX applies only when a payment changes currency, and the margin falls as the plan rises. Transfer fees are on the rail table. Physical card production and on-chain network fees are passed through as they happen, and shown before you confirm.
Monthly volume, which corridors you use, and how much of that volume converts. High volume in a few corridors prices differently from the same volume spread across many small transfers.
A Swift wire goes through correspondent banks that each take a cut and add a day. SEPA and Faster Payments settle on domestic rails, in seconds or the same day. We price them differently because they cost differently. It is usually cheaper to give a client local details than to have them wire you.
After your business is verified. You pick a plan at the end of onboarding. Nothing is charged before that, including if we cannot verify the business. After that, billing renews monthly on the same date.
Any time. Cancelling stops the next renewal. Access stays open through the month you already paid for.
During onboarding, before you move anything. The plan fee is public. The margin depends on volume and currency mix, so we do not put a rate on the website that we would have to change once we see your flows.
Your FX rate is confirmed during onboarding,
before you move anything.