Card-Y Global Accounts operate on a transparent, pay-as-you-go model with no hidden fees.
What You Pay
Receiving Money
5% 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 $50 Fee → Keep $950
Receive €1,000 → Pay €50 Fee → Keep €950
Receive $500 → Pay $25 Fee → Keep $475
Receive €500 → Pay €25 Fee → Keep €475
Receive $100 → Pay $5 Fee → Keep $95
Receive €100 → Pay €5 Fee → Keep €95
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
Pay $0 per month if transaction fees exceed $10
If fees are less than $10, pay only the difference
Most users pay nothing in monthly fees
Detailed Fee Breakdown
Transaction Type | Fees | Notes |
Receive USD | 5% | of the total amount received |
Receive EUR | 5% | 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 5% Fee:
You receive the Total Amount Received
Automatically deducted upon receipt
Covers all processing, banking, and regulatory costs
No additional surprise fees
Business Account Fees
Regular Business Features:
Same 5% 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 5%:
Payment Processing
Banking Partner Fees
Regulatory Compliance Costs
Currency Conversion (if applicable)
Customer Support
Platform Maintenance
Security and Fraud Protection
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 5% receiving fee covers everything. No surprises.
Q: Does the fee change depending on the amount?
A: No. It's always 5%, regardless of whether you're receiving $10 or $10,000.
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: No. All transfers operate at the same speed and cost.
Q: What about currency conversion fees?
A: It's included in the 5% reception fee. There are no additional charges.
Questions about fees?
Contact our support team for personalized assistance with fee calculations and optimization strategies.