Card-Y Global Accounts operate on a transparent, pay-as-you-go model with no hidden fees.
What You Pay
Receiving Money
3% with a $20 cap Fee on all incoming transactions
Applies to USD and EUR at the same rate
No additional fees regardless of the amount
Same rate for all payment sources
Examples of receiving costs:
Receive $1,000 → Pay $20 Fee → Keep $980
Receive €1,000 → Pay €20 Fee → Keep €980
Receive $500 → Pay $15 Fee → Keep $485
Receive €500 → Pay €15 Fee → Keep €485
Receive $100 → Pay $3 Fee → Keep $97
Receive €100 → Pay €3 Fee → Keep €97
What's Free
No fees on :
Account setup and activation
Monthly maintenance
Withdraw funds to your wallet
Withdraw funds to a virtual card
Transfer between accounts
Issuance of a virtual card after receiving the first $1,000 USD
Statements Account
Customer Support
No Annual or Monthly Fees
Detailed Fee Breakdown
Transaction Type | Fees | Notes |
Receive USD ACH | 3% with a $20 cap | of the total amount received |
Receive USD Wire | 3% (capped at $20) + $10 | International Wire Handling Fee applies |
Receive EUR | 3% with a $20 cap | of the total amount received |
Withdraw to Card-Y Wallet | $0 | Instant and Free |
Transfer Between Accounts | $0 | USD ↔ EUR Transfers |
Virtual Card Top-up | $0 | Regular card transaction fees apply |
Account Maintenance | $0 | No Monthly Fees |
Understanding the 3% Fee:
You receive the Total Amount Received
Automatically deducted upon receipt
Covers all processing, banking, and regulatory costs
No additional surprise fees
Note: The above examples apply to ACH transfers.
Wire transfers carry an additional $10 International Wire Handling Fee on top of the 3% (capped at $20) standard fee. Example - Wire Transfer: Receive $1,000 via Wire → Pay $20 (cap) + $10 Wire Fee = $30 total → Keep $970
Business Account Fees
Regular Business Features:
Same 3% receiving fee structure
No monthly setup or maintenance fees
FDIC insurance up to $250,000
Premium Business Features:
For high-volume businesses, we offer:
Reduced fee structures
Dedicated account management
Higher transaction limits
Custom reporting
Contact us at Contact Us for business pricing.
Fee Transparency
What's Included in the 3%:
Payment Processing
Banking Partner Fees
Regulatory Compliance Costs
Currency Conversion (if applicable)
Customer Support
Platform Maintenance
Security and Fraud Protection
Note: The $10 International Wire Handling Fee for wire transfers is separate from the 3% fee above and reflects a direct cost charged by the receiving bank for wire transfers.
No Hidden Fees for:
Account Inactivity
Statement Generation
Customer Service Calls
Technical Support
Account Closure
Frequently Asked Questions
Q: Are there hidden fees?
A: No. The 3% receiving fee covers everything. No surprises.
Q: Does the fee change depending on the amount?
A: No. It's always 3% with a $20 cap, regardless of whether you're receiving $10 or $10,000.
Q: Is there a difference between ACH and Wire transfer fees?
A: Yes. ACH transfers follow the standard 3% fee (capped at $20) with no additional charges - making it the faster and most cost-effective option. Wire transfers carry an additional $10 International Wire Handling Fee on top of the standard 3% fee (capped at $20).
Q: What if I don't use my account for months?
A: There are no inactivity fees. Your account remains active at no cost.
Q: Are there fees for closing an account?
A: No. Closing an account is completely free.
Q: Do I pay more for fast transfers?
A: ACH transfers follow the standard 3% fee (capped at $20). Wire transfers carry an additional $10 International Wire Handling Fee on top of the standard fee.
Q: What about currency conversion fees?
A: It's included in the 3% reception fee. There are no additional charges.
Questions about fees?
Contact our support team for personalized assistance with fee calculations and optimization strategies.