Fees & limits
The fee schedule.
Every charge on a personal Velorin account, in one document. Figures apply from 1 October 2026. We give 60 days’ notice before any fee goes up or a new fee is introduced.
Jump to: Conversion Top-ups ATM Limits Other
Conversion when you pay
| What you spend | Essential | Plus | Metal |
|---|---|---|---|
| Local currency balanceEUR, GBP, USD, MXN or COP held in the account | 0.00% | 0.00% | 0.00% |
| StablecoinsUSDC, USDT, EURC, DAI | 0.50% | 0.25% | 0.00% |
| Other cryptoBTC, ETH, SOL, POL, LTC | 1.49% | 0.99% | 0.49% |
| Weekend surcharge on other cryptoFriday 22:00 to Sunday 22:00 UTC | +0.30% | +0.30% | +0.30% |
| Foreign currency markupShop charges in a currency other than your billing currency | 0.75% | 0.35% | 0.00% |
Worked example on Plus: a €40.00 lunch in Lisbon, paid with Bitcoin on a Tuesday by a cardholder billed in euro, costs €40.40 worth of BTC (spread 0.99%). The same lunch paid with EURC costs €40.10.
Top-ups
| Method | Essential | Plus | Metal |
|---|---|---|---|
| Crypto depositNetwork fee is paid by the sender | Free | Free | Free |
| EUR bank transfer | Free | Free | Free |
| GBP bank transfer | Free | Free | Free |
| MXN bank transfer | Free | Free | Free |
| COP bank transferMinimum fee COP 2,000 | 0.40% | 0.40% | 0.20% |
| Debit card top-up | 1.80% | 1.50% | 1.20% |
| Converting between balances in the app | same as spending | same as spending | same as spending |
Cash at ATMs
| Essential | Plus | Metal | |
|---|---|---|---|
| Free withdrawals each calendar month | n/a | $400 | $1,000 |
| Above the free amount | n/a | 2.00%, min $1.50 | 2.00%, min $1.50 |
| Balance enquiry at an ATM | n/a | $0.50 | Free |
Cash withdrawals need a metal card, so they are not available on Essential. Free amounts reset at 00:00 UTC on the first day of each month. The ATM operator may add its own charge, which is shown on the ATM screen before you accept it; we do not refund operator charges.
Limits
| Limit | Essential | Plus | Metal |
|---|---|---|---|
| Card spending | |||
| Single payment | $3,000 | $10,000 | $30,000 |
| Per day | $4,000 | $15,000 | $50,000 |
| Per month | $8,000 | $25,000 | $100,000 |
| Cash | |||
| ATM per day | n/a | $800 | $2,000 |
| ATM per month | n/a | $2,500 | $6,000 |
| Moving money | |||
| Bank transfer top-ups per month | $15,000 | $50,000 | $200,000 |
| Debit card top-ups per month | $2,000 | $5,000 | $10,000 |
| Crypto withdrawals to external wallets per month | $20,000 | $60,000 | $250,000 |
Monthly limits run from the first to the last day of the calendar month. Until you complete address verification, every plan is capped at $2,500 of card spending per month; see verification documents. In Argentina, limits are lower; see country availability.
Other charges
| Item | Charge |
|---|---|
| New virtual card or replacement virtual card | Free |
| Metal card on Plus | $99 one-off |
| Metal card replacementFirst replacement each year free on Metal | $45 |
| Express delivery of a metal card | $25 |
| Withdrawal of crypto to an external wallet | network fee only |
| Recovery of a deposit sent on the wrong EVM network | $35 |
| Disputing a card payment | Free |
| Inactivity | None |
| Closing your account | Free |
Business accounts have their own schedule, shown on business accounts.